Our comprehensive, tailor made and affordable Home Owners Insurance Solution enables you as a home owner or tenant to enjoy the benefits of several policies in a single package.
We offer this policy only on buildings that are occupied solely as a private dwelling houses. It is subject to terms and conditions.
Home Owner Insurance Benefits
The policy provides you insurance coverage for the building against loss resulting from the following:
- Escape of water from storage facilities
- Bursting or overflowing of water tanks
- Explosion from domestic gas cylinders
- Accidental impact to the building
- Impact from aircrafts or other aerial devices
Contents of all description
We will also provide insurance against loss or damage to furniture, electronics, cutlery, crockery and all other contents of all description against losses resulting from the perils in buildings.
Cover for personal items
We will also provide cover for loss or damage to the following specified personal effects against all risks, unless those personal effects are specifically excluded:
- Electrical installations e.g.DSTV, alarm systems e.t.c
|• Cost of accessing alternative accommodation following an insured event not exceeding 10% of the sum insured.|
• Mobilization (initial payment) at 10% of value of contents / building to the affected insured in the event of fire or theft
• Cost of debris removal following a fire up to Kshs 200,000/-
• Fire brigade charges up to Kshs 200,000/-
• Cost of replacing damaged grilles following a burglary Kshs 5,000/-
• Loss of personal money up to Kshs 5000/- following fire or burglary
• Damage to guest effects up to Kshs 20,000/- for any one event.
• Emergency medical expenses following
• 10% cash back for paid premiums after 3 years if the first three years are without a claim.
We will cover you against legal liability to you as the employer from accidental death
occurring to your domestic employees, including funeral expenses,while in there normal duties.
Third Party Liability
We will provide cover for legal liability that may arise from accidental bodily injury or
damage to property in connection with the ownership and / or occupation of the residence by the insured person or his household.
Ksh 1,000,000 to 3,000,000
Ksh 3,000,001 to 5,000,000
Ksh 5,000,001 to 7,000,000
Ksh 7,000,001 to 9,000,000
Ksh 9,000,001 to 11,000,000
Ksh 11,000,001 to 13,000,000
Ksh 13,500,001 to 15,000,000
Ksh 15,000,001 to 17,000,000
Ksh 17,000,001 to 19,000,000
Ksh 19,000,001 to 21,000,000
Ksh 21,000,001 to 23,000,000
Ksh 23,000,001 to 25,000,000
Ksh1,000,001 to 1,100,000
Ksh 1,100,001 to 1,200,000
Ksh 1,200,001 to 1,300,000
• Part C (All Risk) cannot be taken without part B (Contents)
• Please select rates from the three premium schedules below, A, B or C that corresponds to the value of your building, contents or all risk items.