Scope of Coverage

Home Building Coverage

This aspect of the policy protects the structural integrity of your home against risks such as fire, storms, earthquakes, floods, and accidental damage. It ensures that if the worst happens, the cost of repairing or rebuilding the structure is covered. This is essential for homeowners seeking to safeguard one of their most significant investments.

Home Contents Coverage

Home contents coverage extends to the items inside your house, including furniture, electronics, and personal belongings. In the event of theft, fire, or accidental damage, this coverage reimburses you for the cost of replacing or repairing these items. It’s an indispensable feature for ensuring that the comfort and functionality of your home are restored quickly.

All-Risks Coverage

All-risks insurance offers broader protection for personal valuables like jewelry, watches, electronics, and portable gadgets. This coverage ensures that these high-value items are safeguarded against theft, accidental loss, or damage, whether at home or while traveling. It provides the flexibility and reassurance that your prized possessions are protected wherever you are.

Domestic Employees Coverage

This feature caters to the welfare of domestic staff employed in your home, providing them with essential insurance coverage. It often includes medical expenses, work-related injury compensation, and liability cover, ensuring compliance with labor laws and fostering a safe working environment.

Personal Liability Coverage

Personal liability coverage protects you from financial and legal liabilities arising from accidents that occur on your property. For example, if a visitor is injured while on your premises or if you unintentionally cause damage to someone else’s property, this coverage ensures you are not burdened by unexpected costs or legal claims.

Golfers Package

For golf enthusiasts, some policies include a golfer’s package. This specialized coverage protects golfing equipment against theft or damage and provides personal liability coverage while you’re on the course. It also covers accidental injuries or third-party claims that might arise during your golfing activities.

AAR Road Ambulance Rescue

This unique feature offers access to emergency medical assistance in case of accidents or health emergencies. The AAR Road Ambulance Rescue ensures that policyholders and their families can receive prompt medical attention, with transportation to the nearest healthcare facility covered under the policy.

Conclusion

Home insurance in Kenya is not just about protecting the physical structure of your property; it encompasses a wide range of benefits designed to provide holistic security for homeowners and tenants. From covering home contents and personal valuables to ensuring the safety of domestic employees and providing emergency medical assistance, the scope of coverage is comprehensive. Whether you’re seeking basic protection or additional benefits like a golfer’s package or ambulance rescue services, home insurance is a worthwhile investment for safeguarding your home, family, and lifestyle.