Home Owners

House Owners/House Holders

This package policy is designed to afford protection to;

  • Home owners
  • Tenants.

The scope of cover

Section A

Items Covered

  • Building (If it belongs to the proposer)

Perils Covered

  • Fires, lightning, explosions
  • Riots/strikes (With the exception of political riots)
  • Floods, storms, cyclones, hurricanes, tempest and such weather perils
  • Earthquakes, volcanic eruptions, landslides and subsidence due to earthquakes
  • Impact damage by animals and road vehicles belonging to third parties
  • Damage by anything falling from aircraft/aerial device
  • Aircraft damage (Other than war related)
  • Burglary (Forcible break-in or out of the building)

Section B

Items Covered

  • Household goods
  • Furniture and fixtures
  • Computers
  • Jewelery
  • Personal belongings
  • Crockery

Perils Covered

  • Fires, lightning, explosions
  • Riots/strikes (With the exception of political riots)
  • Floods, storms, cyclones, hurricanes, tempest and such weather perils
  • Earthquakes, volcanic eruptions, landslides and subsidence due to earthquakes
  • Impact damage by animals and road vehicles belonging to third parties
  • Damage by anything falling from aircraft/aerial device
  • Aircraft damage (Other than war related)
  • Burglary (Forcible break-in or out of the building)

Section C

Items Covered

Portable items that can be taken out of the house such as;

  • Laptops
  • Cameras
  • Personal Jewelery
  • Handycam

Perils Covered

  • Fires, lightning, explosions
  • Riots/strikes (With the exception of political riots)
  • Floods, storms, cyclones, hurricanes, tempest and such weather perils
  • Earthquakes, volcanic eruptions, landslides and subsidence due to earthquakes
  • Impact damage by animals and road vehicles belonging to third parties
  • Damage by anything falling from aircraft/aerial device
  • Aircraft damage (Other than war related)
  • Burglary (Forcible break-in or out of the building)
  • Hijacking/robbery by thieves

Section D

Covers all occupational injuries to the workers (domestic maid, shamba boys, gardeners) during the course of employment as per the provisions of Worker's Compensation Act.

Section E

Provides cover against legal liability of the landlord or tenant (as the case may be) towards general public arising out of acts or omission of the insured/insured's family members and his employees in the course of their duty.