What is Domestic Package Insurance?Provides protection to homeowners/renters against loss or damage to the private dwellings/buildings, household goods and personal belongings against fire, theft, riot and strike, malicious damage, floods, explosion, lighting, and thunderbolt. It also offers personal liability to third parties by the insured and workmen’s compensation to domestic servants. This Domestic Package cover is suitable for individuals.
Section A: Covers residential buildings including landlords’ fixtures, fittings, perimeter wall, gate, and fences, all on the same premises against fire, natural causes.
Section B: Covers the homeowners' contents including furniture, household goods and personal effects of every description, the property of the insured or that of any member of his family normally, residing with him/her, fixtures, and fittings of the insured’s or for which he is legally responsible.
**Learn more about the other sections part of this cover, further down.
- Step 1: Know what you need
- Step 2: Fell the proposal form
- Step 3: Ask for a quotation
- Step 4: Premium payment
- Step 5: Provide national ID
- Step 6: Sign the contract
Domestic package insurance is categorized into sections of cover as follows:
Section C: All risks, the section covers accidental damage and theft to specified portable items that are carried outside the house such as electronic items like mobile phones, laptops, tablets, and cameras…
Section D: WIBA, this covers domestic servants such as house helps, watchmen, gardeners, and drivers in respect of injury, death or disease arising out of and in the course of employment.
Section E: Owner’s liability, this section covers the homeowner against legal liability of third parties for accidental bodily injury and accidental loss of or damage to property.
Section F: Occupier’s liability. This section covers the home occupier against legal liability of third parties for accidental bodily injury and accidental loss of or damage to property.
Exclusions on the cover are as follows:
- War and related risks exclusion
- Theft by own employees
- Security warranty
- Political risks exclusion
- Terrorism exclusion
- Excluding bush fire
- Excluding riots & strike
- Electronic data recognition exclusion
- Nuclear or related risks/radioactive contamination