Home Insurance in Kenya: What Does HomePack Insurance Cover?
Your home is more than walls and furniture. Discover how HomePack Insurance can protect your building, household belongings, valuables, domestic employees and more against unexpected losses.
Geminia Property & Home Desk
Underwriting & Claims Division
A home represents years of investment, memories and the things that matter most to you. But unexpected events such as fire, theft, accidental damage or other risks can disrupt your life and leave you facing significant costs.
Geminia HomePack Insurance is designed to provide comprehensive protection for your residence, combining several areas of cover under one package.
From the building itself to your household contents, portable valuables and domestic employees, HomePack gives you a way to protect the things that make your house a home.
What Does HomePack Insurance Cover?
HomePack consists of several sections, allowing you to protect different aspects of your home and household.
1 — Your Home and Building
If you own the residential building, HomePack can cover the building itself, including:
- •Landlord's fixtures and fittings
- •Boundary walls
- •Gates and fences
- •Terraces and patios
- •Drives and paths
- •Carports and garages
- •Outbuildings
The brochure also includes benefits such as fire brigade services up to KSh 50,000, alternative accommodation subject to the applicable limits, emergency medical expenses following an attack or fire, counselling services following loss or damage, and damage to property in the open following fire or theft.
2 — Household Contents
Your home isn't just the structure. It is also everything inside it.
The Contents section covers household goods and personal effects belonging to you, your permanently residing family members and resident domestic servants, including items such as:
- •Furniture
- •Clothing
- •Bedding
- •Fixtures and fittings
- •Other household goods and personal effects
Additional benefits include alternative accommodation, emergency medical expenses following an attack or fire, counselling services, deep-freezer contents following a fire, damage to property in the open and forced ATM withdrawal following theft at the premises.
What About Phones, Laptops and Jewellery?
Some of your most valuable possessions leave the house with you.
HomePack's All Risks section is designed for movable items that are carried in and out of the building. Examples listed in the brochure include:
- •Mobile phones
- •Laptops
- •Jewellery
- •Watches
- •Cameras
- •Gas cylinders
- •Golf equipment
Important: the All Risks section cannot be taken on its own without the Contents section.
This makes it particularly relevant for people who want protection for valuable personal belongings beyond the walls of their home.
What Happens If Your Domestic Employee Is Injured?
HomePack also considers the people who work in your home.
The Work Injury Benefits section provides cover for domestic employees who suffer accidental injuries in the course of their employment. Depending on the policy limits, benefits can include compensation relating to:
- •Fatal injuries
- •Permanent total disablement
- •Temporary total disability
- •Emergency medical expenses
- •Funeral expenses
The brochure identifies domestic employees as people working at the insured residence, including nannies, watchmen, gardeners, drivers, house-helps and caregivers.
What Is Employer's Liability Cover?
HomePack also provides Employer's Liability protection.
This applies where a domestic employee takes legal action against the insured for a work-related injury or illness. The policy can respond to compensation for damages as determined by the courts, subject to the applicable policy limit.
What If Someone Is Injured on Your Property?
HomePack also includes liability protection for homeowners and occupiers.
Owner's Liability
This covers your legal liability as the owner of a building for death, injury or property damage suffered by third parties.
Occupier's Personal Liability
This covers your legal liability as the occupier of a building for death, injury or property damage to third parties.
This can be particularly important because an incident involving another person on your property could result in financial and legal consequences.
You Can Add More Protection
One of the notable features of Geminia HomePack is the availability of optional extensions.
Personal Accident & Critical Illness
The Personal Accident extension provides compensation for death or permanent disablement resulting from qualifying accidental events. It also includes critical illness and funeral expenses.
The brochure lists benefits of:
| Benefit | Limit |
|---|---|
| Death | KSh 500,000 |
| Funeral Expenses | KSh 50,000 |
| Permanent Total Disability | KSh 500,000 |
| Critical Illness | KSh 150,000 |
The personal accident cover has a maximum age limit of 70 years, while the critical illness benefit has a maximum age limit of 60 years. Critical illness cover has a six-month waiting period and is subject to the policy terms and exclusions.
Terrorism & Political Violence
This optional extension covers physical loss or damage to property resulting from qualifying terrorist acts or political violence, including events such as riot, strike, civil commotion, rebellion, insurrection, sabotage and malicious damage, subject to the policy terms.
Life Rider
The Life Rider provides life cover for the insured or permanent household occupants. The benefit is based on the value of the building or contents, up to KSh 3 million, subject to the applicable terms and age limit.
Guest Effects
Have a long-term guest staying with you? The Guest Effects extension covers loss or damage to their effects, provided they have stayed at the residence for at least one month. The maximum benefit is KSh 20,000.
A single incident can affect your property, belongings, finances and even your responsibilities towards other people.
Why Consider HomePack Insurance?
Home insurance isn't simply about protecting a building.
HomePack brings multiple areas of protection together, including:
That makes it a practical package for homeowners who want broader protection for their residence.
Frequently Asked Questions
Does HomePack only cover the building?
No. The package includes separate sections for buildings, contents, All Risks, domestic employees and liabilities, with additional optional benefits available.
Can I insure my phone and laptop?
Yes. Mobile phones and laptops are among the examples of movable items covered under the All Risks section, subject to the policy terms and conditions.
Can I take All Risks cover without Contents cover?
No. The brochure specifically states that Section C All Risks cannot be taken without Section B Contents.
Does HomePack cover domestic workers?
Yes. The Work Injury Benefits section covers qualifying accidental injuries sustained by domestic employees in the course of their employment, subject to the policy limits.
Does HomePack cover liability to other people?
Yes. The package includes Owner's Liability and Occupier's Personal Liability sections for qualifying third-party death, injury or property damage.
Can I add personal accident or critical illness protection?
Yes. These are available as optional benefits, subject to the applicable terms, limits, waiting periods and eligibility requirements.