The Essential Guide to Domestic Package Insurance in Kenya
Your home represents more than just walls and a roof; it is the center of your life, the repository of your memories, and often your single largest financial investment.
Recognizing this profound significance, Step by Step Insurance is committed to helping you protect what you have and own by ensuring you receive the best comprehensive solutions available. We partner with top providers to bring you protection designed to take the worry out of everyday life.
The complexity of protecting a home usually requires multiple policies, but through the Domestic Package Insurance plan, you gain the benefits of five distinct policies bundled into one powerful, unified package.
This comprehensive approach provides policyholders with the necessary confidence and security for the things that matter most.
Key Takeaways
- Domestic Package Insurance combines five essential coverages into one policy
- Protection extends beyond physical property to include liabilities and domestic staff
- Three tailored options available for homeowners, renters, and furnished rental owners
- Legal compliance with WIBA for domestic employees is included
- Portable items can be covered both inside and outside your home
Table of Contents
- Why Comprehensive Home Protection is Non-Negotiable
- The 5 Pillars of Security: Breakdown of Comprehensive Protection
- Tailored Solutions for Every Living Arrangement
- Beyond Property: Protecting People and Liabilities
- The Path to Security: Application, Claims, and Exclusions
- Partnering for Peace of Mind
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Join Our WhatsApp GroupWhy Comprehensive Home Protection is Non-Negotiable
Home insurance is not merely a formality; it is a fundamental financial safeguard against the unexpected.
When unforeseen calamities strike—be it a fire, a severe storm, or theft—the financial repercussions can be devastating. Domestic Package Insurance offers a robust solution, integrating six critical areas of coverage to address the wide spectrum of risks homeowners and occupiers face.
The policy is designed to cover not only the physical structure and contents but also the legal liabilities associated with home ownership and the welfare of domestic staff.
This holistic coverage means that in the event of a disaster, you can focus on recovery rather than ruin.
“The comprehensive nature of this policy provides the confidence and security you need for the things that matter most to you.”
The 5 Pillars of Security: Breakdown of Comprehensive Protection
The Domestic Package Insurance is structured into five distinct sections, plus the overarching benefit of combined coverage, offering specialized protection across your entire domestic environment.
Section A: Buildings Coverage (Protecting the Structure)
This section is the foundation of the policy, focusing on the immovable aspects of your property.
It provides coverage for the main building, as well as essential auxiliary structures like outbuildings, fences, and gates.
The coverage is robust, protecting the structure against a wide range of natural and human-related perils.
| Peril Type | Description of Coverage |
|---|---|
| Fire & Elemental | Fire, lightning, explosion, underground fire, and volcanic eruptions (including flash floods). |
| Water Damage | Bursting or overflowing or escape of water from tanks, pipes, and apparatus. |
| Natural Hazards | Wind, storms, tempest, floods, overflow of sea water, earthquakes, subsidence, or landslides. |
| Civil Disturbances | Riot, strike, and civil commotion. |
| Malicious Damage | Intentional damage caused by persons other than those from your household. |
| Impact | Impact from aircraft or other aerial devices that may land on your house. |
The inclusion of perils like subsidence and landslides is particularly crucial for property owners, as geological shifts, often triggered by severe weather or local construction, can lead to extremely costly structural damage.
Moreover, protection against malicious damage and civil commotion ensures that even deliberate acts causing harm to your property are covered.
Section B: Contents Coverage (Safeguarding Your Possessions)
While Section A protects the walls, Section B protects everything inside them.
This coverage focuses on the loss or damage to your household contents—furniture, appliances, clothing, decorations, and more.
Protecting these items is vital for the quick restoration of your lifestyle following an incident.
Contents coverage primarily safeguards against the three most common domestic threats:
- Fire
- Burglary
- Water Damage (such as leaks or flooding within the house)
Section C: All Risks Coverage (Protecting Portability)
This section is designed for the modern lifestyle, where valuable items often leave the confines of the home.
All Risks coverage protects specified portable items from loss or damage caused by any cause, except those specifically excluded.
This means items that travel with you—such as jewelry, mobile phones, and laptops—are protected whether they are lost, stolen, or damaged outside the home.
Critical Fact on Specifying Valuables:
For highly valuable portable items, the policy stipulates that they must be specified to receive coverage.
Unspecified high-value items—such as jewelry, watches, gold/silver articles, binoculars, photographic equipment, luggage, clothing, and personal effects—will not be covered.
It is essential for policyholders to detail these items at the time of application to ensure full protection.
Section D: Domestic Employees Protection (WIBA Compliance)
If you employ domestic servants, you have a legal liability to compensate them in the event of an accident or illness arising out of and in the course of their employment.
This section provides coverage for your obligations under the Work Injury Benefits Act (WIBA).
Benefits Covered:
- Compensation for Death
- Compensation for Permanent Total Disability (PTD)
- Compensation for Temporary Total Disability (TTD)
- Medical expenses from injury or disease
- Funeral expenses
This ensures both employer protection and fair compensation for domestic workers.
Section E: Third-Party Liability Protection
Homeownership comes with the risk that someone not in your household (a third party) may suffer injury or property damage while on your premises.
Third-Party Liability protects you against legal liability arising from accidental bodily injury or death to third parties, or damage to property, caused by your negligence.
This coverage applies to both owners and occupants.
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Tailored Solutions for Every Living Arrangement
Recognizing that not all clients are traditional homeowners, the Domestic Package Policy is structured to offer three specialized options, ensuring that protection is perfectly matched to your status—whether you own, rent, or manage furnished properties.
Homeowners Package
Ideal for individuals who own their primary residence (house or condo).
Covers both Buildings (Section A) and Contents (Section B), providing total security for the structure and everything inside it.
Renters Package
Tailored for those occupying a rented property.
A renter does not need structural coverage, but their personal belongings remain highly valuable.
This package focuses on protecting personal belongings against primary risks like theft, fire, and water damage.
Furnished Rental-Apartment Owners Package (BnB Owners)
Designed for individuals who manage furnished apartments for rental (short or long-term).
It covers the property/furnishings used for business and provides liability protection regarding domestic employees hired to maintain the unit — perfect for hospitality operators.
| Package Type | Target Client | Key Coverage Focus | Unique Feature |
|---|---|---|---|
| Homeowners | Primary Residence Owners (House/Condo) | Building Structure & Personal Contents | Full structural and contents protection. |
| Renters | Individuals Renting a Property | Personal Belongings/Contents | Essential protection against theft, fire, and water damage for possessions. |
| Furnished Rental Owners | Landlords/BnB Operators | Furnishings, Property, and Employee Liability | Crucial protection for assets used in a rental business. |
Beyond Property: Protecting People and Liabilities
A truly comprehensive home insurance policy extends its protection beyond physical assets to cover legal responsibilities and the welfare of individuals associated with the property.
The Domestic Package fulfills this need through two crucial sections — Domestic Employees Protection and Third-Party Liability — ensuring both human welfare and legal peace of mind.
The Path to Security: Application, Claims, and Exclusions
Choosing the right Domestic Package Insurance is a critical decision, and Step by Step Insurance is focused on making the process as straightforward as possible.
Streamlined Application and Service
Our application process is designed to be simple and efficient.
Coverage typically begins immediately once your application is approved and the premium payment received.
Key Facts:
- Customization: Packages tailored to your homeowner requirements
- Expert Guidance: Agents help you select the right options
- Convenience: Competitive rates and a single renewal date
Navigating the Claims Process
Should the unexpected occur, filing a claim is structured for prompt resolution.
Steps to Making a Claim:
- Immediate Notification – Notify the insurer right away.
- Complete the Form – Fill in all details accurately.
- Attach Documentation – Include police abstracts, invoices, or other proof as required.
Critical Exclusions: What is Not Covered
While the coverage is extensive, certain exclusions apply:
- Political risks and terrorism
- Government action or orders
- Unspecified high-value items (as outlined in Section II.C)
These exclusions are standard and highlight the importance of reading your full policy document.
Partnering for Peace of Mind
Investing in Domestic Package Insurance is a proactive step toward protecting your assets and securing your financial future.
By consolidating five key coverages—buildings, contents, portable items, domestic staff, and third-party liabilities—this package delivers unparalleled security.
Step by Step Insurance serves as your trusted partner, leveraging relationships with top providers to ensure you receive robust, competitive, and tailored solutions.
We guide you from selection to claim processing, ensuring peace of mind at every step.
Don’t wait for the unexpected to happen. Take the worry out of everyday life—secure your comprehensive home protection today.
