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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.

This covers your movable possessions that are normally used within and outside the home including furniture, household goods, appliances, cameras, phones, laptops and other personal effects. The solution offers financial compensation for:

Loss or damage to the contents through Fire, Lightning, Thunderstorm, Earthquake, Volcanic Eruption, explosion, impact to the building from external force, bursting or overflowing or escape of water from tanks or pipes, theft or attempted theft
Loss or damages to the contents caused by riots, strikes, civil commotion or malicious damage
Loss or damage to the landlord fixtures and fittings
Loss or damage to your contents whilst temporarily removed from your normal residence
Costs incurred for fire brigade, debris removal, emergency home repairs and alternate accommodation
Accidental damage to breakable items like television sets, glass-top tables, wall clocks and glass cabinets

Products That Cover Your Belongings

	Silver	Sapphire	Emerald	Ruby	Diamond
Total Value of all Contents	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)	KES 150,000/-	KES 200,000/-	KES 250,000/-	KES 300,000/-	KES 400,000/-
Total Value of All Items Insured for All Risks	KES 225,000/-	KES 300,000/-	KES 375,000/-	KES 450,000/-	KES 600,000/-
Maximum Compensation for any Single Item Limit (All Risk)	KES 33,750/-	KES 45,000/-	KES 56,250/-	KES 67,500/-	KES 90,000/-
Number of Domestic Servants Covered (WIBA)	1	1	1	1	2
Occupiers/Owners Liability	KES 1,000,000/-
Personal Liability	KES 500,000/-
Policy Excesses (Contents)	5% of claim, minimum KES 5,000/-
Policy Excesses (All Risk)	10% of claim, minimum KES 5,000/-
	KES 9,619 BUY NOW	KES 12,812 BUY NOW	KES 16,005 BUY NOW	KES 19,198 BUY NOW	KES 25,585 BUY NOW

This covers the main building together with your fixtures and fittings and any walls, gates, fences, terraces, patios, drives, paths, garages and servant quarters. The solution offers financial compensation for:

Damage to the building through Fire, Lightning, Thunderstorm, Earthquake, Volcanic Eruption, explosion, impact to the building from external force, bursting or over owing or escape of water from tanks or pipes, theft or attempted theft.
Damages caused by riots, strikes, civil commotion or malicious damage.
Costs incurred for fire brigade, alternative accommodation and debris removal.

Products That Cover Your House

	Pine	Bamboo	Oak	Mahogany	Teak
Building/Property	KES 5,000,000	KES 7,500,000	KES 10,000,000	KES 12,500,000	KES 15,000,000
Policy Excesses (Property/Building)	The first KES 10,000 for each and every claim
Earthquake Excess	2% of claim, Maximum Kshs. 5,000,000
Loss of Rent/ Alternative Accommodation	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	KES 300,000
	KES 6,319 BUY NOW	KES 9,457 BUY NOW	KES 12,596 BUY NOW	KES 15,735 BUY NOW	KES 18,875 BUY NOW

You want to protect your building and your belongings. We cover your building, together with your fixtures and fittings, as well as gates, fences, terraces, patios, drives, paths, garages and servant quarters; we also cover your movable possessions that are normally used within or outside the home including furniture, household goods, appliances, cameras, phones, laptops and other personal effects. You will be compensated for:

Loss or damage through Fire, Lightning, Thunderstorm, Earthquake, Volcanic Eruption, explosion, impact to the building from external force, Bursting or over owing or escape of water from tanks or pipes, theft or attempted theft
Loss or damages caused by riots, strikes, civil commotion or malicious damage
Loss or damage to your contents whilst temporarily removed from your normal residence
Costs incurred for fire brigade, debris removal, emergency home repairs and alternate accommodation
Accidental damage to breakable items like television sets, glass-top tables, and wall clocks

Products That Cover Your Belongings

	Silver	Sapphire	Emerald	Ruby	Diamond
Total Value of all Contents	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)	KES 150,000/-	KES 200,000/-	KES 250,000/-	KES 300,000/-	KES 400,000/-
Total Value of All Items Insured for All Risks	KES 225,000/-	KES 300,000/-	KES 375,000/-	KES 450,000/-	KES 600,000/-
Maximum Compensation for any Single Item Limit (All Risk)	KES 33,750/-	KES 45,000/-	KES 56,250/-	KES 67,500/-	KES 90,000/-
Number of Domestic Servants Covered (WIBA)	1	1	1	1	2
Occupiers/Owners Liability	KES 1,000,000/-
Personal Liability	KES 500,000/-
Policy Excesses (Contents)	5% of claim, minimum KES 5,000/-
Policy Excesses (All Risk)	10% of claim, minimum KES 5,000/-
	KES 9,619 BUY NOW	KES 12,812 BUY NOW	KES 16,005 BUY NOW	KES 19,198 BUY NOW	KES 25,585 BUY NOW

Products That Cover Your House

	Pine	Bamboo	Oak	Mahogany	Teak
Building/Property	KES 5,000,000	KES 7,500,000	KES 10,000,000	KES 12,500,000	KES 15,000,000
Policy Excesses (Property/Building)	The first KES 10,000 for each and every claim
Earthquake Excess	2% of claim, Maximum Kshs. 5,000,000
Loss of Rent/ Alternative Accommodation	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	KES 300,000
	KES 6,319 BUY NOW	KES 9,457 BUY NOW	KES 12,596 BUY NOW	KES 15,735 BUY NOW	KES 18,875 BUY NOW

Is the value of your belongings/property higher than the ones mentioned above?

What you are covered for

Building/Property

The policy offers compensation for damage to your building/property upto the indicated maximum limit.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Personal Liability

We will absorb any liabilities against you arising from accidental damage or injury to third parties.

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.

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.

Sportsman's Cover

The sportsman cover is a benefit that shields you from sporting risks including loss or accidental damage to your equipment, hole-in-one, third party injuries, or damage to third party property, and medical expenses for golf caddy.

Garden Furniture

This benefit is available to cover any accidental loss or damage to both fixed and movable furniture used outdoors.

Contents of Deep Freezer

This benefit applies when there is accidental loss or damage to contents of your deep freezer up to the stated limit.

Guest Effects

This benefit offers compensation for property belonging to your domestic workers if lost or damaged accidentally whilst in your premises

Property Belonging to Domestic Servants

This benefit offers compensation for the loss or accidental damage to property belonging to your domestic workers.

Contact Lenses

If you accidentally lose or damage your contact lenses, you will be eligible for compensation up to the stated limit

Loss of Documents

This benefit ensures you are compensated if you accidentally lose physical documents up to the stated limit.

Pedal Cycle

This benefit ensures that you are compensated for the loss or damage of your child’s pedal cycle up to the stated limit.

Medical/Veterinary Expenses for Pets (Accidents Only)

The domestic policy covers medical/veterinary expenses that you may incur in the event that your pets are injured accidentally, up to the stated limit.

Loss of Credit Card

If you lose your credit card, this benefit covers the actual replacement costs for the card, with a limit of Kshs. 3,000/- for any one card. We will require you to report the loss within 24 hrs.

Property Temporarily Removed

You will be eligible for compensation for losses incurred when your property is temporarily removed from your house.

Loss of Keys

If you lose your keys, this benefit covers the actual replacement costs for the keys subject to stated limit.

Emergency Home Repairs Reimbursement

If your house requires emergency repairs following accidental damage, you are eligible for compensation to cover the costs, subject to stated limits.

Wedding Gifts

We will offer you compensation amounting to an additional 10% of the sum assured for the value of the contents in the house one month before and after the wedding.

Trauma Counseling

This benefit compensates you for counseling costs for you and your family arising from an incident of theft, up to the stated limit.

Business Property while at Private Dwelling House

When you have business property at your house then property is lost or is accidentally damaged, this benefit will make you eligible for compensation.

Electrical Clause III

This benefit covers you from liabilities associated with loss, destruction or damage by fire to the property insure. The liabilities may arise from over-running, excessive pressure, short circuiting, arcing, self-heating, leakage of electricity, including all loss or damage by lightning.