Domestic Package Insurance Kenya – What Does It Covers?Home Insurance-
A number of insurance companies are providing domestic package cover for the customers who own the house or rent the house they live in. But do you really think of domestic package insurance as a necessity? If no, then you should read this post and know why should you opt to purchase it.
Here is everything you must know about Domestic Insurance Package Kenya before you buy it:
What is a Domestic Insurance Package or home insurance kenya?
This type of policy generally offers you coverage against damage to residential homes, as well as loss or damage to the contents of a dwelling house including your valuable items worn or carried. It is termed as “package” because it offers a variety of covers under one policy and caters to everything in your household.
What does it Covers?
In Kenya, domestic package insurance covers:
1.. ACCIDENTAL DAMAGE TO RESIDENTIAL HOUSE
Your domestic insurance package will protect you from liability in the event that your house is damaged as a result of internal explosions, fire, external activities such as a plane crashed and it hit your house.
Many insurance companies underwrite the policy with all the reasons that constitute accidental damage and generally exclude any activities against the house or the area resulting under legal proceedings, (such as a court order to demolish the house).
2..LOSS OR DAMAGE TO BELONGINGS OF A RESIDENTIAL HOUSE
Under this cover, you will be covered for the loss or damage to contents inside the house along with the includes the destruction of the property inside the house.
Items or Liability Covers under Domestic Insurance Package
- It incorporates your personal liability and that of your household members.
- It may include movable possessions such as furniture, radio system, fixtures, TV, household goods and other electrical appliances.
- Valuables such as cameras, watches, jewelry, laptops, mobiles etc.
- Domestic servants against work-related injuries/death arising out of and in the course of his or her employment as defined in the Work Injury Benefits Act.
- Accidental damage to breakable items like television sets, glass-top tables, wall clocks and glass cabinets
3.. DESTRUCTION OF YOUR HOUSE
Your house may become the victim of malicious damage and the reason can be civil attacks as riots, strikes, civil commotion etc. For instance, rioters or protestors may pelt your house with stones which may damage your house windows, interiors or even more. Your insurance cover will protect you from all liabilities arising from such activities.
4..PERSONAL LIABILITY (AND THAT OF HOUSEHOLD MEMBERS)
The domestic package also provides liability protection for members of your household against bodily injuries or even death which they may suffer while inside your house. But if there is any loss or damage to your house due to your own negligence or if your child accidentally set your house on fire, in such case, your insurance company will not settle your claim.
5..DOMESTIC WORKERS (DEATH, INJURY, OR ILLNESS)
You will find many insurance companies include additional benefits to your insurance policies. these days. The current policies in the market provide an advantage to your domestic workers if they got injured while at work.
owned, your home is the most important place on earth for you and your family. This is why you must get an effective domestic package cover for it.
6..LOSS OR DAMAGE DUE TO UNPREDICTABLE SITUATIONS
Your Domestic Insurance Package will cover you for the loss or damage to your home or content inside through lightning, earthquake, volcanic eruption, explosion, floods, the impact to the building from an external force, bursting or overflowing or escape of water from tanks or pipes, theft or attempted theft.
7..COST FOR ALL THE REPAIRS
If you choose to buy a domestic insurance package, you will be reimbursed with all the cost that you might be paying for all the loss or damage to your home due to various reasons. This may include:
Repairing cost of fixtures and fittings.
Costs incurred for the fire brigade, debris removal, emergency home repairs and even alternate accommodation.
If you haven’t purchased it yet, visit the leading insurance company in Kenya, Allianz, that offers domestic package insurance covers designed to protect you from the devastation of your house and your belongings that can arise from several causes. Allianz provides this insurance cover not only to house owners but also if you are a tenant it provides several options designed to meet your needs, at an affordable price.
Also Read: Tech Adoption Augurs Well For Business In Kenya
These benefits include compensation in the form of medical expenses or other needs in case your domestic workers are injured or die under circumstances while working at your home.
Whether rented or owned, your home is the most important place on earth for you and your family. This is why you must get an effective domestic package cover for it.
If you haven’t purchased it yet, visit the leading insurance company in Kenya, Allianz, that offers domestic package insurance covers designed to protect you from the devastation of your house and your belongings that can arise from several causes.
Allianz Kenya provides this insurance cover not only to house owners but also if you are a tenant it provides several options designed to meet your needs, at an affordable price. To learn in detail, what you will be covered for under Domestic Insurance Package, visit here.