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.

  Human causes e.g. riot and strike, malicious damage, theft etc.

  Chemical 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 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.


  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

Claim Conditions

  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.

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