Domestic Home Insurance in Kenya

Our homes are safe havens where we retreat to after spending most hours of the day in the workplace. The home could be either the ancestral home, a rented place or a place you bought and bought a residential living place. This home is where you have invested in furnishing the house, where you store your valuables and belongings, and if you have a domestic worker it’s also their home with your family.

Despite the home being a safe haven from which you retreat, various risks face the home. This includes fire, natural disasters like floods, theft, and even legal liability from your domestic workers. In response to these potential risks, one can take up a domestic home insurance policy and transfer the risks to an insurance company.

What is Covered by Domestic Home Insurance

Domestic insurance coverage is generally categorised into two sections on what it covers; Building Section and Contents Section.

A Home Domestic insurance cover under the building section will cover the following things:

1. The House itself
2. Fixtures and fittings
3. Walls
4. Gates
5. Fences

All in the same premises.

On the other hand, the content section covers the following in a home insurance policy:

1. Household contents such as furniture, clothes and moveable personal items.

In a domestic insurance policy, All Risk items that are covered within the contacts section include movable items that you move with from the house including; Mobile Phones, laptops, Cameras, jewelry, watches, etc.

Home Owner’s Liability

Domestic home insurance also covers the owner of the house against liability risks where the owner or occupant may be held liable or responsible for an action of fault resulting in direct or indirect loss or damage.

An example of liability risk is associated with domestic workers such as a house manager, a gardener and a watchman. The actions of these domestic workers may pose a liability risk to the owner of the home where he/she is held liable for their actions.

Domestic insurance, therefore, extends to cover this liability, as well as WIBA. ( Work Injury Benefits Act)

Cost of Domestic Home Insurance

The cost of domestic insurance is based on a number of factors such as the value of the contracts and if you are the owner of the building.

Domestic insurance can be purchased even by a person who has rented a building to just cover the contents of the house.

Most underwriters have different packages for domestic insurance that one can purchase from.

An example of the package from one of our underwriters is shown below:

Frequently Asked Questions on Domestic Insurance

Does Domestic Insurance Cover Injury at Home?

Domestic insurance will cover domestic workers under WIBA for injuries during normal working hours.

You can get personal accident insurance coverage for yourself or your family to cover against accidents.

Does Domestic insurance cover events of natural calamities?

Domestic insurance will often cover this event and will depend on your insurance company. As an agency, we recommend and facilitate you as our client get home insurance cover that will cover these events.

Is domestic insurance sufficient to cover my valuables e.g. Expensive iPhone, MacBook, jewellery etc?

Domestic insurance will cover the expensive gadgets that are listed as all risks contents. The items must be included on the schedule and value attached at the point of taking up the insurance cover.

Get in touch with our team to get a domestic home insurance cover that will cover agents the risks of loss, damage or theft of your mobile phone , laptop or camera even when out of your house.

Does domestic insurance cover against theft and loss of my items while travelling?

Domestic insurance will compensate for the loss or theft of personal movable items while traveling. You can also purchase Travel Insurance to cover other risks that are eminent while on travel such as on a vacation or business travel whether local or international travel.

What risks are covered by Domestic Home insurance?

While this will depend on your underwriter insurance company the following risks are covered:

1. Fire
2. Natural Calamities such as Lightning, and thunderstorms. earthquake and volcanic eruptions.
3. Explosions
4. Riot, Strikes and Civil commotions
5. Malicious damage caused by other persons
6. Aircraft or aerial devices or articles dropped from the sky
7. Bursting, overflowing or escape of water from tanks and pipes
8. Theft of house belongings

Domestic home insurance is an important insurance cover that one should take up to protect their haven homes. By having domestic insurance you are well covered against risks of fire, explosions, and theft and as well your movable items from home are also covered.

This is an affordable insurance policy that you should take up to make your home a haven. It does not matter if it’s a rented home or a home you have constructed, all are covered by insurance companies.

Get in touch with our insurance professionals to get a home domestic insurance policy today and rest assured that your home is well-protected against risks.