As the name suggests, provides cover to residential buildings against fire and allied
perils, the contents in the building, all risks cover to valuables, workmen compensation
for domestic workers, owner’s liability and tenant’s liability.
The building is covered against the following risks
Natural causes e.g. earthquake, storm and tempest, lightning etc.
causes e.g. riot and strike, malicious damage, theft etc.
related causes e.g. explosion of domestic gas cylinders etc
Miscellaneous caused e.g. bursting and overflowing of water tanks,
apparatus, pipes and impact by road vehicles and animals
Contents are defined as consisting of furniture, household goods and personal effects
of every description, the property of the insured or any member of his family normally
residing with him, and fixtures and fittings, the insured’s own or for which he is legally
responsible, not being landlord’s fixtures and fittings.
Additional Sections (Extensions)
All Risks section
This section provides very wide cover in respect of specified portable items, which are,
carried outside the house e.g. cameras, radio, jewellery etc. This section covers risks
like accidental damage and theft that’s not forceful. Workmen’s’ Compensation
Section(recently amended Oct 07). This covers domestic servants e.g. house helps,
watchmen, shamba boys and chauffeurs. The cover provided is in respect of injury,
death or disease arising out of and in the course of employment.The Workmen’s’
Compensation Act 1987 requires all employers to compensate employees who are
injured or die or contract diseases arising out of and in the course of employment.
This section covers third parties who sustain injury or die whilst at the private dwelling
house due to the negligence of the owner or occupier.
Homes located in and around slum areas
Temporary and semi-permanent houses e.g. timber and mabati houses
Loss or damage caused by a member of the household
Loss or damage caused when the home is left unfurnished or unoccupied for
more than 30 consecutive days
Damage to electronic and electrical items caused by power fluctuations
To notify Insurer immediately in case of a loss
To report the occurrence to police
To take reasonable precautions to avoid loss
If fraud is suspected, all benefits under the policy are forfeited
Claims are subject to contribution, average and subrogation.