Imagine arriving home one day only to meet an army of firefighters battling flames from your burning house? Imagine the risk of finding your main door swaying lazily, with your entire house ransacked, despite having double checked the locks before you left? Imagine unlocking your main door and finding furniture floating around your sitting room after heavy rains.
Where would you start? Re-investing in what you have lost? 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.
We offer domestic package insurance covers designed to protect you from the devastation of your house and your belongings that can arise from several causes including Fire.
The great news is that whether you are a Tenant, a Landlord or a Homeowner we have several options designed to meet your needs, at price points that make sense. Simplicity, flexibility and affordability for your peace of mind!
We are keen to bring you peace of mind, so protect yourself by choosing one of the pre-packaged products below that best suits your needs.
Silver | Sapphire | Emerald | Ruby | Diamond | |
---|---|---|---|---|---|
Total Value of all Contents Our Home Insurance policy covers everything inside your house from loss as a result of fire, burglary/theft, and any sort of accidental damage. However, if there is a theft caused by a member of your household, this cover does not compensate you for such losses, or if the damage is intentional.
|
KES 750,000/- | KES 1,000,000/- | KES 1,250,000/- | KES 1,500,000/- | KES 2,000,000/- |
Maximum Compensation for any Single Item (Contents) The “all risk” benefit refers to the maximum amount you will receive as compensation for any one item normally used inside the house.
|
KES 150,000/- | KES 200,000/- | KES 250,000/- | KES 300,000/- | KES 400,000/- |
Total Value of All Items Insured for All Risks This is the total amount of compensation you can have for loss or damage of items used inside and outside the house. The cover includes both fixed and movable items and is valid worldwide.
|
KES 225,000/- | KES 300,000/- | KES 375,000/- | KES 450,000/- | KES 600,000/- |
Maximum Compensation for any Single Item Limit (All Risk) The “all risk” benefit refers to the maximum amount you will receive as compensation for any one item normally used inside and outside the house.
|
KES 33,750/- | KES 45,000/- | KES 56,250/- | KES 67,500/- | KES 90,000/- |
Number of Domestic Servants Covered (WIBA) This specifies the number of domestic workers that will be covered when you buy our home insurance policy. That means we will cover the cost of this domestic workers in case of an accidental injury.
|
1 | 1 | 1 | 1 | 2 |
Occupiers/Owners Liability When someone demands compensation as a result of accidental injury or damages arising from your occupation or ownership of a house, we will pay the compensation on your behalf.
|
KES 1,000,000/- | ||||
Personal Liability We will absorb any liabilities against you arising from accidental damage or injury to third parties.
|
KES 500,000/- | ||||
Policy Excesses (Contents) This is the portion of every loss that you will have to bear. Allianz will pay you the difference between the actual loss or maximum limit (whichever is lower) and the indicated policy excess.
|
5% of claim, minimum KES 5,000/- | ||||
Policy Excesses (All Risk) This is the portion of every loss that you will have to bear. Allianz will pay you the difference between the actual loss or maximum limit (whichever is lower) and the indicated policy excess.
|
10% of claim, minimum KES 5,000/- | ||||
Pine | Bamboo | Oak | Mahogany | Teak | |
---|---|---|---|---|---|
Building/Property The policy offers compensation for damage to your building/property upto the indicated maximum limit.
|
KES 5,000,000 | KES 7,500,000 | KES 10,000,000 | KES 12,500,000 | KES 15,000,000 |
Policy Excesses (Property/Building) This is the portion of every loss that you will have to bear. Allianz will pay you the difference between the actual loss or maximum limit (whichever is lower) and the indicated policy excess.
|
The first KES 10,000 for each and every claim | ||||
Earthquake Excess If you have insured your house with us and it is damaged by an earthquake, you will bear 2% of the loss, or Kshs 5,000,000 whichever is lower.
|
2% of claim, Maximum Kshs. 5,000,000 | ||||
Loss of Rent/ Alternative Accommodation Your policy will compensate you for any lost rent or the rent you will have to pay for alternative accommodation if your house becomes uninhabitable due to an insured event. The benefit is subject to the indicated limits.
|
Up to six months actual rent receivable/ paid provided that the total amount reimbursed over the period shall not exceed 10% of the sum insured | ||||
Earthquake Excesses Lorem ipsum dolor sit amet, consectetuer adipiscing elit. Aenean commodo ligula eget dolor. Aenean massa. Cum sociis natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Donec quam felis, ultricies nec, pellentesque eu, pretium quis,
|
KES 300,000 | ||||
Silver | Sapphire | Emerald | Ruby | Diamond | |
---|---|---|---|---|---|
Total Value of all Contents Our Home Insurance policy covers everything inside your house from loss as a result of fire, burglary/theft, and any sort of accidental damage. However, if there is a theft caused by a member of your household, this cover does not compensate you for such losses, or if the damage is intentional.
|
KES 750,000/- | KES 1,000,000/- | KES 1,250,000/- | KES 1,500,000/- | KES 2,000,000/- |
Maximum Compensation for any Single Item (Contents) The “all risk” benefit refers to the maximum amount you will receive as compensation for any one item normally used inside the house.
|
KES 150,000/- | KES 200,000/- | KES 250,000/- | KES 300,000/- | KES 400,000/- |
Total Value of All Items Insured for All Risks This is the total amount of compensation you can have for loss or damage of items used inside and outside the house. The cover includes both fixed and movable items and is valid worldwide.
|
KES 225,000/- | KES 300,000/- | KES 375,000/- | KES 450,000/- | KES 600,000/- |
Maximum Compensation for any Single Item Limit (All Risk) The “all risk” benefit refers to the maximum amount you will receive as compensation for any one item normally used inside and outside the house.
|
KES 33,750/- | KES 45,000/- | KES 56,250/- | KES 67,500/- | KES 90,000/- |
Number of Domestic Servants Covered (WIBA) This specifies the number of domestic workers that will be covered when you buy our home insurance policy. That means we will cover the cost of this domestic workers in case of an accidental injury.
|
1 | 1 | 1 | 1 | 2 |
Occupiers/Owners Liability When someone demands compensation as a result of accidental injury or damages arising from your occupation or ownership of a house, we will pay the compensation on your behalf.
|
KES 1,000,000/- | ||||
Personal Liability We will absorb any liabilities against you arising from accidental damage or injury to third parties.
|
KES 500,000/- | ||||
Policy Excesses (Contents) This is the portion of every loss that you will have to bear. Allianz will pay you the difference between the actual loss or maximum limit (whichever is lower) and the indicated policy excess.
|
5% of claim, minimum KES 5,000/- | ||||
Policy Excesses (All Risk) This is the portion of every loss that you will have to bear. Allianz will pay you the difference between the actual loss or maximum limit (whichever is lower) and the indicated policy excess.
|
10% of claim, minimum KES 5,000/- | ||||
Pine | Bamboo | Oak | Mahogany | Teak | |
---|---|---|---|---|---|
Building/Property The policy offers compensation for damage to your building/property upto the indicated maximum limit.
|
KES 5,000,000 | KES 7,500,000 | KES 10,000,000 | KES 12,500,000 | KES 15,000,000 |
Policy Excesses (Property/Building) This is the portion of every loss that you will have to bear. Allianz will pay you the difference between the actual loss or maximum limit (whichever is lower) and the indicated policy excess.
|
The first KES 10,000 for each and every claim | ||||
Earthquake Excess If you have insured your house with us and it is damaged by an earthquake, you will bear 2% of the loss, or Kshs 5,000,000 whichever is lower.
|
2% of claim, Maximum Kshs. 5,000,000 | ||||
Loss of Rent/ Alternative Accommodation Your policy will compensate you for any lost rent or the rent you will have to pay for alternative accommodation if your house becomes uninhabitable due to an insured event. The benefit is subject to the indicated limits.
|
Up to six months actual rent receivable/ paid provided that the total amount reimbursed over the period shall not exceed 10% of the sum insured | ||||
Earthquake Excesses Lorem ipsum dolor sit amet, consectetuer adipiscing elit. Aenean commodo ligula eget dolor. Aenean massa. Cum sociis natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Donec quam felis, ultricies nec, pellentesque eu, pretium quis,
|
KES 300,000 | ||||