Domestic Package Insurance In Kenya – Coverage & More

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In This Article:

🏑 An Intro – Domestic Package Insurance Cover Kenya
🏑 What is a domestic package policy / home insurance in Kenya?
🏑 Is Domestic Package Insurance in Kenya, mandatory?
🏑 A standard domestic package covers:
🏑 Types Under Domestic Package Insurance Policy
🏑 Factors Which Determine The Cost Of Home Insurance In Kenya
🏑 Domestic Package Insurance Policy For Tenants
🏑 What does domestic package insurance in Kenya covers?

domestic package insurance cover quotes kenyaAn Intro – Domestic Package Insurance Cover Kenya

Whether you are a new owner or a long-time owner, it’s important to understand what Domestic Package Insurance policy in Kenya covers.

Domestic Package Insurance 🏑 is much more than fire or theft insurance. Depending on the features of the insurance contract you choose and the additions you include, you can insure many types of assets against a variety of risks.

According to the Domestic Package Kenya 🏑, this is a policy that covers your property and its contents. It also provides personal liability insurance. The law does not usually require you to have home insurance, unlike car insurance, but most banks and mortgage lenders will ask for proof before lending you the money that your home insurance is sufficient to cover your mortgage.

Domestic Package Insurance Kenya also covers living expenses. Basically it covers household dwellings on an All Risks basis. It primarily covers the insured against loss or damage to buildings, household items and personal effects by fire, lighting, explosion, storm, riot, strike, burglary, theft, malicious damage and various risks.

If you have to leave your home due to a covered risk, such as a fire, your home insurance Kenya will cover the difference between what it costs you to live where you settle down temporarily and what it normally costs you to live at home (up to a fixed protection). Do not forget to keep all receipts and invoices.

Home Insurance Kenya – Coverage, Tips & FAQ’s

domestic insurance policyAre you civilly responsible?

Whether you rent or own your home, you may be held civilly liable for any injury you involuntarily cause to others or for any damage to their property. This is where personal liability insurance comes in.

If a visitor gets hurt on your property by sliding down a slippery staircase, you could be held responsible. If your negligence is proven, the personal liability portion of your homeowner’s insurance would cover the damages claimed up to the prescribed limit. No deductible applies.

However, this insurance does not cover such injuries to you or another member of your household.

Home Insurance Quotes kenyaWhat is a domestic package policy / home insurance in Kenya?

What is a domestic package insurance / home insurance in Kenya

Domestic Package Insurance 🏑 or home insurance Kenya is a policy for home owners which generally provides you with housing damage coverage, as well as loss or damage to the contents of a dwelling house, including your valuables worn or carried. It is called a “package” because it offers a variety of covers as part of the same policy and protects everything in your household.

It covers the building itself, contents whilst in the house and outside the house, House servants against death or injury whilst in the course of employment and personal legal liability to third parties.

Home Insurance CoverageIs Domestic Package Insurance in Kenya, mandatory?

Although essential, home insurance is only mandatory in certain cases. Thus, if you are a tenant, you must be insured for any damage caused to the owner during the rental period.

On the other hand, it is not an obligation:

  • If you rent a furnished apartment.
  • If you occupy a staff accommodation.
  • If you are an owner occupant or not occupying.

A standard domestic package covers:

  • Covers the structure of your home
  • Covers personal belongings
  • Liability
  • The buildings,
  • The contents (furniture, clothing, kitchen equipment cutlery etc)
  • The electronics (TVs, Videos, Cameras, Watches, Music systems etc)
  • Domestic servants (in door and out door)
  • Sports equipment (Golf, squash, riding etc)

It covers your home (or that of the owner in the case of a rental), as well as your property.

It includes at least aΒ  “rental risks” which covers the damage caused to the owner.

But it usually also includes:

  • A civil liability that covers damage to a third party, including sometimes an individual accident that provides for the payment of capital in case of permanent disability and the reimbursement of social plans.
  • Covers against the risks of natural disasters, storms, terrorist attacks and acts of terrorism.

🏑 If you are the owner of your apartment, you can also subscribe:

  • Damage insurance. It will cover the dwelling, as well as your movable property and valuables in the event of fire, explosion, theft or water damage.
  • Β “Recourse of neighbors and third parties” which compensates your neighbors in case of disasters and in the cases mentioned above.
  • If you work at home, you can also take out certain additional guarantees Β such as:
  • The loss of workplace that reimburses you with a similar place for the duration of the work.
  • The cost of clearing that reimburses the expenses of removal and replacement of furniture.

Additional living expenses in the event that you are temporarily unable to live in your home because of a fire or other insured event is covered. This cover ensures that an individual (owner of the house) is indemnified against under the work injury benefit Act (WIBA) and Workmen’s Compensation Act (WCA).

domestic package insurance kenya - home insurance - tenant - landlord

We will talk about what does it cover in more detail & how to get domestic package insurance quotes further down the article below.

Domestic Package CoverageTypes Under Domestic Package Insurance Policy

Under 🏑 Domestic Package Insurance Kenya, you generally have a choice between these two types of contract for your home insurance:

The specified risks formula covers your assets against certain risks specified in the contract as well as your civil liability.

In general, personal property such as furniture, appliances and clothing is covered up to the limit of the contract, but the coverage is usually restricted for certain types of property, such as:

  1. Computer hardware and software
  2. Jewelry and watches
  3. Burs
  4. Bicycles
  5. Collections of coins, stamps or cards
  6. Sports equipment

Check the protection provided in your contract; if they are insufficient to cover your property, you might consider buying additional protection.

Your home insurance may also allow you to add protection for high-value property such as a boat, rental property or cottage and for home-based business equipment.

Is it worth the cost?

If you must provide housing in a apartment, your trustee will take out group insurance to protect the co-owners and the common elements against damage caused by losses resulting from a lack of maintenance or due to the dilapidation of the building.

As is the case for a house, any purchase of a new condominium or on the resale market should be accompanied by the purchase of a co-owner insurance. Apartment syndicates must have insurance that generally covers the common areas and common property of the building, but if you own, you should also be covered by your own insurance policy.

Thus, the interior structure of your apartment, your belongings kept in your apartment and the contents of your locker, if you have one, will be protected. Home insurance policy will also protect you against the costs of damage caused unintentionally to the property of others, for example, the rupture of a pipe in your apartment causes water damage in another apartment.

Cost Of Home Insurance In KenyaFactors Which Determine The Cost Of Home Insurance In Kenya

Typically, the cost of domestic package insurance cover in Kenya depends on the following factors:

1. Where You Live: City, Countryside or town
2. Value of Your Personal Belongings
3. Property Structure & Size
4. Security
5. Proximity to floods
6. Your Lifestyle
7. Claims History

Domestic Package Insurance Policy For Tenants

If you are a renter, the landlord will have insurance, but you are responsible for any damage you cause to your apartment or the building in which you live. Insurance against unforeseen events is therefore essential. You are also responsible for any damage that any of your guests could cause.

What does domestic package insurance in Kenya covers

domestic package insurance coverWhat does domestic package insurance in Kenya covers?

What is not covered?

The following risks are among those not covered by home insurance:

  1. Damage caused by predictable events (such as flooding a house built on a floodplain).
  2. Damage caused by freezing of interior plumbing.
  3. Damage caused by insects or rodents.
  4. Landslide or earthquake damage (unless additional cover has been purchased).
  5. Damage caused by freezing outdoors (such as frost heave).
  6. Damage caused by storm surges or inland floods (overflowing rivers, streams or lakes).

What is covered?


Thus under this following are covered: fire, water damage, theft, vandalism, breakage of ice, natural disasters, technological disasters, storms-hurricanes-cyclones, acts of terrorism or attacks, civil liability occupying, civil liability private life.

The features of domestic package insurance vary from one contract to another. You must carefully read the terms and conditions of your own contract in order to know the extent and limits, as additional guarantees, assistance, legal protection may be included, etc.


As covered under this – the material damage or loss directly related to the event of theft or natural disaster.

For example, the loss of contents of a freezer following a power failure is not compensable even if the cut is the consequence of the disaster. On the other hand, if the freezer has been submerged following a flood, its contents are compensable.

Indirect costs (relocation expenses, rental of a vehicle, etc.) are not compensable unless they are listed in the contract. In addition, the law does not provide anything for bodily injury.

  1. This may include items such as furniture, radio system, television, household items, lighting fixtures and other electrical appliances.
  2. Valuables such as cameras, watches, jewelry, laptops, mobiles, etc.
  3. Domestic workers against work-related accidents/work-related deaths occurring during employment within the Work Injury Benefits Act.
  4. Accidental damage to fragile objects such as televisions, wall clocks,glass top tables and showcases.

Covers property damage from vandalism, riots by protestant. When it is granted in addition to the theft , it usually only plays within the premises and to the extent that the criminals have entered by one of the means listed in the contract under the cover. theft (burglary, escalation, use of false keys, etc.). Your insurance coverage will protect you from all liabilities arising from such activities.


The domestic package also protects members of your household from bodily injury or death that may occur inside your home. Covers the furniture and personal belongings and the members of the family, the employees and workers or any other person residing or temporarily in the insured places.


You will find that many insurance companies include additional benefits to your insurance policies. These days current market policies provide an advantage to your domestic workers if they get injured on the job.

Your home is the most important place in the world for you and your family. That’s why you need to get an effective domestic package insurance.


This cover is peculiar since it stems from the fact, that having insured the property against claims such as fire, water damage and broken glass, the logic is that these same goods are automatically protected against damage from natural disasters or attempt of theft.

Thus, by subscribing to home insurance your wealth is insured against natural disasters. These events are usually exceptional and are mostly floods, droughts, mudslides, avalanches, earthquakes, tsunamis, typhoons and landslides and subsidence.


If you choose to get domestic package insurance quotes Kenya, this cover takes care of the replacement or the repair of your external goods (pipes, pergola, gantry, masonry barbecue, greenhouses, shelter of swimming pool, vegetation, electric gate, walls etc.) in case of theft, shock of a vehicle, natural disaster or climatic events like the storm.

If you have not bought it yet, head over to Next Insurance, the largest insurance company in Kenya, which offers domestic package insurance designed to protect you from damage to your home and your belongings, which can result from various causes.

Next Insurance provides this insurance coverage not only to homeowners but also to tenants and offers several options designed to meet your needs at an affordable price.

Get Home Insurance Quotes in Kenya



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