Home Insurance
Sit and relax with your family at home without too much worry
Your home and the assets in your home are some of the most important belongings to your family.
Cover your home and the contents you so love with the Co-op Bancasurrance Domestic Package.
This product allows you as the homeowner or the tenant to benefit from several policies that are comprehensively packed in one package.
Overview
1. Buildings
Covers building against loss resulting from fire lightning, earthquake, storm, flood, burglary, accidental impact to the building, bursting or overflowing of water tanks, escape of water from storage facilities, falling trees, riot and strike, explosionS from domestic gas cylinders, impact from aircraft or other aerial devices.
2. Household contents
The policy will provide insurance against loss or damage to furniture, electronics, cutlery, crockery and all other contents of all description against losses resulting from the perils in (buildings) above.
3. Cover for personal items
This part will provide cover for loss or damage to the following specified personal effects against all risks unless specifically excluded.
- Mobile phones
- Laptops
- Ipads
- Jewelry
- Spectacles
- LED and Plasma TVs
- Hearing aids
- Electrical installations e.g. DSTV, alarm systems etc
- Camera
4. Domestic employees
This will provide cover for legal liability to you as the employer under the Work Injury Benefits Act (WIBA) against:
- Accidental death or bodily injury in the course of duty.
- Medical expenses.
- Funeral expenses.
5. Third-party liabilities
This will provide cover for legal liability that may arise from accidental bodily injury or damage to property in connection with the ownership and /or occupation or the residence by the insured or his household.
There is an optional political, violence and terrorism extension to cover that covers against losses caused by terrorism or political violence.
This package offers the following unique benefits:
- Free first aid kit for every household
- One free nanny training covering safety, illness detection, bleeding control, fractures, burns, emergencies, child abuse awareness, resuscitation and CPR
- Emergency medical expenses following assault during burglary up to KES 20,000
- One emergency ambulance rescue service per family per year after fire or burglary
- 10% cashback on premiums after three claim-free years
- Loss of personal money up to KES 5,000 following fire or burglary
- Replacement of damaged grilles up to KES 5,000 after burglary
- Damage or loss of contents during house movement up to KES 20,000 (due to collision or overturning)
- Replacement of keys or locks up to KES 5,000 after attempted theft or fire
- Alternative accommodation costs up to 10% of sum insured
- Freezer contents damage up to KES 5,000 after power failure exceeding 12 hours
- Mobilization payment up to 10% of valid claim after fire or theft
- Debris removal costs up to KES 200,000 after fire
- Fire brigade charges up to KES 200,000
- Damage to guest effects up to KES 20,000 per event
- Work injury benefits for first two domestic workers up to KES 2,000,000
- Owner or occupier’s liability cover up to KES 2,000,000
You must be a property owner
The policy provides the following cover options:
- Buildings and attached electrical installations
- Loss of rental income
- Contents for fully furnished rental apartments or homes
- Mortgage monthly loan payments
The policy offers the following features and benefits:
- Comprehensive cover for building, income, contents, mortgage and employees
- Deposit refund for tenants if the building becomes uninhabitable due to an insured peril
- Fire brigade charges covered up to KES 200,000
- Debris removal costs covered up to KES 200,000 after fire
- Replacement of keys or locks up to KES 5,000 after burglary or attempted theft
- Legal liability cover to third parties up to KES 1,000,000
- Free work injury benefits insurance for one caretaker
- 10% discount on landlord’s personal home insurance
- 10% discount on contractor all risk or construction insurance for future developments
- 10% cashback on prepaid premiums after three claim-free years
When reporting a claim, ensure the following requirements are met:
- Report the claim immediately once notified
- Duly completed and signed claim form
- Police abstract report
- Receipts or invoices for contents or installations claimed
Consider the following tips to ensure proper cover and smooth claims:
- Ensure the property is registered under your name
- Keep proof of ownership documents secured in a safe place
