Home Pack Insurance – Get a Quote
Geminia Insurance

Protect Your Home with
Home Pack Insurance

Comprehensive cover for your building, contents, and liability. Get your personalised quote in under 3 minutes.

1
Your Details
2
Property
3
Coverage
4
Your Quote

Your Personal Details

Tell us a bit about yourself so we can tailor your quote.

Property Information

Help us understand the property you'd like to insure.

Yes
No
No
Yes
No
Yes
Own Watchman
Security Guards
Alarm System
Electric Fence

Select Your Coverage

Choose the sections you need. Rates shown are annual.

Sections A and B are the most common starting point. Section C (All Risks) requires Section B. Select all sections relevant to your needs.

Core Sections

Section A – Buildings
0.12% of reinstatement value
Alt. accommodation, fire brigade, emergency medical included
Section B – Contents
0.75% (≤Kshs.1M) · 0.65% (>Kshs.1M)
Deep freezer, forced ATM withdrawal included
Section C – All Risks
1.25% (Kenya) · 0.75% (Worldwide)
Requires Section B
Section D – WIBA
Kshs.500 per additional employee
1st employee free · Benefits per WIBA Act 2007
Kenya Only (1.25%)
Worldwide (0.75%)

Liability Sections

Section E – Employer's Liability
Kshs.125 per employee · 1st free
Up to Kshs.20M per year
Section F – Owner's Liability
0.02% of sum insured
Up to Kshs.5M free
Section G – Occupier's Liability
0.02% of sum insured
Up to Kshs.5M free

Section H – Optional Benefits

Personal Accident
Kshs.1,500 per family member
Terrorism – Buildings
0.05% of buildings SI
Terrorism – Contents
0.05% of contents SI
Terrorism – All Risks
0.10% of all risks SI
Life Rider
0.35% of sum insured (max Kshs.3M)
Removal of Debris
0.12% of debris SI (max 10% of bldg SI)
Electrical Clause III (Power Surge)
0.35% of sum insured
Guest Effects
Free benefit — Kshs.20,000 SI

Your Indicative Quote

Based on your selections. Final premium subject to underwriter review.

Premium Breakdown

Section A – Buildings–
Section B – Contents–
Section C – All Risks–
Section D – WIBA–
Section E – Employer's Liability–
Section F – Owner's Liability–
Section G – Occupier's Liability–
Section H – Optional Benefits–
Basic PremiumKshs. 0
Levies (0.45%)–
Stamp DutyKshs. 40
Total Gross Premium Kshs. 0
* Quotation valid for 30 days. This is an indicative quote only and does not constitute an offer of cover.
Morning (8–12)
Afternoon (12–5)
Evening (5–7)

Quote Request Submitted!

Thank you. A Geminia Insurance specialist will contact you within 1 business day to confirm your quote and guide you through the next steps.

REF: GEM-2024-0001