Home Product Domestic Package

Combined Coverage for Better Benefits.

Our Domestic package policy covers a private dwelling house or private flat and its contents, owners and tenants’ legal liability and domestic servants.
It provides cover for the following:

Section A-Buildings

Under this section we cover loss of or damage to a private dwelling house or a private flat including domestic buildings, landlord’s fixtures and fittings, walls, gates and fences on the same premises caused by:

  • Fire and natural causes such as earthquakes, storms and tempests, lightning, and floods;
  • Human causes such as riots and strikes, malicious damage, and theft;
  • Chemical related, that is exposure e.g of domestic gas cylinders and
  • Miscellaneous causes, including bursting and overflowing of water tanks, apparatus, pipes, impact by road vehicles and animals not belonging to or under control of the insured or their agents.

    • Section B-Contents

    Under this section we cover loss of or damage to 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, which the insured's owns or for which he is legally responsible not being landlord’s fixtures and fittings.

    Section C-All risks

    Under this section we cover loss of or damage to property (portable items such as cameras, radios, jewellery, and sports kits) insured by any cause/peril not specifically excluded in the policy.

    This is a very wide cover and insures will often want the items listed with a value indicated for each. Whenever wherever you are we shall cover your All risks Items worldwide.

    Section D-Workmen compensation

    Under this section we shall cover your employees for injuries or death or disease that arises out and in the course of employment.

    We shall cover your domestic servants like house-help, watchman, ground men, gardeners and drivers.

    Section E-Owners’ liability

    Under this section we shall pay liabilities at law or compensate you in respect of:

  • Accidental bodily injury (including illness) to any person other than a member of your family or household or a person in his service at the time of the occurrence giving rise to the injury.
  • Accidental loss or damage to property Accidental loss or damage to property belonging to third parties and not those in your custody or of a member or your family or household or a person in your service.

    • Section F-Personal/occupier’s liability

    Under this section we shall compensate you against liability at law in respect of:

  • Accidental bodily injury (including illness) to any person other than a member of your family or household or a person in your service at the time of the occurrence giving rise to the injury.
  • Accidental loss or damage to property belonging to third parties and not those in your custody as the insured or of a member or your family or household or a person in his service.

    • Why have a domestic package insurance?

    If you’re a homeowner, most mortgage lenders insist you have buildings cover in place to protect their investment. You don’t usually need buildings cover if you’re renting, but you may want contents insurance to help cover the cost of replacing your items if you suffer a loss.

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