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.

Contents Section

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.

Liability Section

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.