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Domestic Package Insurance Cover | Home Insurance in Kenya
Protect your entire home with comprehensive Domestic Package Insurance.
Get complete peace of mind knowing you're covered for a wide range of risks, from fire and theft to liability and even accidents involving domestic staff. Get the best Domestic insurance Quote from Midline today.
What is Domestic Package Insurance?
The policy has several sections based on the risks covered.
Building Section
Covers loss, damage or destruction to a private dwelling house or a private flat including domestic outbuildings, fixtures, walls, gates and fences on the same premises caused by fire and special perils. The cover can be extended to include loss of rent or alternative accommodation as a result of the perils.
Contents Section
Covers loss , damage or destruction to furniture, fixtures and fittings owned by the insured or which they are legally responsible, household goods and personal effects belonging to the insured or any member of the family normally residing with the family. It also has a theft insurance on insured’s contents.
Non-excluded Risks
Domestic Servants
Liability Section
Other Sections
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FAQS
This insurance typically covers four key areas:
- Building: Protection against fire, lightning, and other specified perils for your house or flat.
- Contents: Covers furniture, appliances, personal belongings, and valuables like electronics and jewelry against loss, damage, and theft.
- Domestic Staff: Provides coverage for your domestic staff (house help, gardeners, watchmen) in case of injury, death, or illness arising from their employment, as per the Work Injury Benefits Act (WIBA).
- Liability: Covers you financially if someone gets injured or their property is damaged while they are in your home.
Yes, as per the Work Injury Benefits Act (WIBA), any employer with one or more domestic staff is required to register them and contribute to a WIBA scheme. Domestic Package Insurance often includes WIBA coverage, simplifying the process for you.
Many insurers allow customization. You can choose the level of coverage for each section (building, contents, etc.) and add optional benefits like additional valuables protection or accidental damage cover for specific items.
The cost of Domestic Package Insurance depends on various factors like the value of your property, contents, chosen coverage level, and the specific insurance company. However, getting quotes from different providers through Midline can help you find an affordable and comprehensive package that fits your needs.
In case of a claim, contact your insurance company as soon as possible. The claims process typically involves submitting a claim form, supporting documentation (e.g., police report in case of theft), and cooperating with the insurer’s investigation. Midline Insurance Brokers can assist you in navigating the claims process and ensure you receive fair compensation.
Domestic Package Insurance
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Don’t leave your home’s security to chance. Get a free, no-obligation quote for comprehensive Domestic Package Insurance today !
