Kenya Home Insurance Guide: Why Domestic Package Cover Matters
Your home is more than just a building—it’s your safe haven, the center of your family’s life, and one of your biggest financial investments. But unexpected risks such as fire, burglary, storms, or water damage can threaten everything you’ve worked hard to build.
That’s why Domestic Package Insurance is essential for every homeowner or occupier in Kenya. It provides a consolidated, stress-free protection solution that covers your building, belongings, and liability—all in one comprehensive policy.
At Step by Step Insurance Agency, our goal is simple: To guide you into a protection plan that fits your life, safeguards your assets, and gives you peace of mind every day.
🔑 Key Takeaways
- Domestic Package Insurance combines multiple coverages into one convenient policy
- It protects your building, contents, portable items, and provides liability coverage
- Policies can be tailored for homeowners, tenants, or comprehensive protection
- Step by Step Insurance offers expert guidance and customized solutions
📑 Table of Contents
- What is Domestic Package Insurance?
- The Six Key Sections of Domestic Package Insurance
- Section A: Buildings (Structure Protection)
- Section B: Contents (Household Belongings)
- Section C: All Risks (Portable Items)
- Section D: Domestic Employees Liability (WIBA)
- Section E: Third-Party Liability
- Tailored Domestic Package Insurance Options
- Why Choose Step by Step Insurance Agency?
- Application Requirements & Premium Details
- Claims Process: Step by Step Support
- Secure Your Peace of Mind Today
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Join Our WhatsApp GroupWhat is Domestic Package Insurance?
Domestic Package Insurance is a multi-section home protection policy that combines several cover types under one umbrella. Instead of buying multiple separate policies, this package brings together as many as six different protections to secure both your home and lifestyle.
What the Policy Covers
| Coverage Area | Description |
|---|---|
| Buildings | Protects the physical structure and attached features |
| Household Contents | Covers belongings inside your home |
| All Risks (Portable Items) | Protects valuable items carried outside the home |
| Domestic Employees Liability | Covers liabilities under WIBA |
| Owner’s Liability | Liability as the property owner |
| Occupier’s Liability | Liability arising from occupying the premises |
The Six Key Sections of Domestic Package Insurance
Section A: Buildings (Structure Protection)
This section covers the physical structure of your property, including the main home and additional structures.
What is Covered?
| Risk / Peril | Included |
|---|---|
| Fire & Lightning | ✔️ |
| Earthquake & Volcanic Activity | ✔️ |
| Storms, Tempest & Floods | ✔️ |
| Explosions | ✔️ |
| Riot, Strike & Civil Commotion | ✔️ |
| Malicious Damage | ✔️ |
| Impact Damage (aircraft, vehicles) | ✔️ |
| Bursting/Overflowing of Water Systems | ✔️ |
| Subsidence & Landslides | ✔️ |
This cover is especially crucial for homeowners who want to protect the structure from expensive disaster repairs.
Section B: Contents (Household Belongings)
This section protects everything inside your home.
Covers Loss or Damage Caused By:
- Fire
- Burglary
- Water damage
Examples of Covered Items
| Category | Examples |
|---|---|
| Electronics | TVs, laptops, sound systems |
| Furniture | Sofas, beds, tables |
| Appliances | Fridges, microwaves, cookers |
| Personal Items | Clothing, décor, utensils |
Section C: All Risks (Portable Items)
This section protects items that you regularly carry outside your home.
What is Covered?
- Mobile phones
- Laptops
- Cameras
- Specified jewelry
Important Exclusions
Unless specifically listed, the following are not covered:
| Unspecified Items | Coverage |
|---|---|
| Watches | ❌ |
| Jewelry (unspecified) | ❌ |
| Clothing | ❌ |
| Binoculars | ❌ |
| Silver/Gold Articles | ❌ |
| Luggage | ❌ |
To insure them, they must be listed in the All Risks Schedule.
Section D: Domestic Employees Liability (WIBA)
If you employ domestic staff, the law requires you to protect them through Work Injury Benefits Act (WIBA) coverage.
WIBA Coverage Includes:
| Benefit Type | Description |
|---|---|
| Death | Compensation to dependents |
| Permanent Total Disability | Full compensation for total disability |
| Temporary Total Disability | Weekly benefits |
| Medical Expenses | Treatment costs |
| Funeral Expenses | Support for burial arrangements |
Section E: Third-Party Liability
This section protects you if a visitor, neighbor, or member of the public suffers injury or property damage due to your negligence.
Coverage Includes
| Liability Type | Description |
|---|---|
| Bodily Injury / Death | ✔️ |
| Property Damage | ✔️ |
| Legal Costs & Compensation | ✔️ |
🎥 Learn More About Home Insurance
Tailored Domestic Package Insurance Options
Domestic Package Insurance is flexible and can be customized depending on your living situation.
1. Tenant’s Solution – Contents Only
Perfect for renters whose landlords manage the building structure.
Recommended Sections
| Section | Purpose |
|---|---|
| B – Contents | Protects household items |
| C – All Risks | Portable gadgets |
| D – Employee Liability | If you have a domestic worker |
| E – Third-party Liability | Visitor safety |
2. Homeowner’s Solution – Building Only
Designed for homeowners who want to protect the physical structure only.
Focus on:
| Section | Coverage |
|---|---|
| A – Buildings | Fire, floods, storms, malicious damage, etc. |
Ideal if contents are minimal or already covered separately.
3. Comprehensive Homeowners Package – Structure + Contents
This is the most popular choice for individuals who own and occupy their homes.
Includes:
| Section | Covers |
|---|---|
| A – Structure | Your building |
| B – Contents | Everything inside |
| C – All Risks | Portable valuables |
| D – Employee Liability | Domestic workers |
| E – Third-party Liability | Public protection |
This offers complete peace of mind for families and property owners.
📚 Related Articles
Learn more about protecting your home with these helpful resources:
Why Choose Step by Step Insurance Agency?
Step by Step Insurance Agency is committed to helping you secure a safer future with:
- ✔️ Tailored solutions
- ✔️ Expert support
- ✔️ Reliable partner underwriters
- ✔️ Fast, transparent claims handling
We understand every home and family is unique—and so should your insurance plan.
Application Requirements & Premium Details
Securing your policy is a simple and efficient process, designed to minimize unnecessary delays.
Getting Started:
- Minimum Premium: Coverage can begin affordably, with the minimum premium per policy depending on your type of coverage.
- Coverage Start: Coverage typically becomes effective as soon as your application is approved and the premium payment is received.
Documentation Required:
To initiate your tailored insurance solutions journey, you will generally need to provide the following documentation:
| Document | Purpose |
|---|---|
| Quotation | Initial calculation |
| Proposal Form | Risk details |
| All Risks Item Schedule (if applicable) | List of valuable items |
| KRA PIN | Compliance |
| Premium Payment | Activation |
Claims Process: Step by Step Support
We simplify your claims journey to get you back on your feet quickly.
How to File a Claim
- Notify Us Immediately – Contact us as soon as an incident occurs
- Fill Out the Claim Form – Provide details of the loss or damage
- Attach Supporting Documents – Include:
- Police abstract
- Invoices
- Photos
- Any relevant evidence
We walk with you through every stage.
Secure Your Peace of Mind Today
Your home deserves protection that grows with your needs. Get a tailored Domestic Package solution that safeguards what matters most.
Ready to Get Covered?
Contact us today for a personalized consultation and quote
