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Building & Structure
The main structure, garages, outbuildings, swimming pools, walls, gates and fittings.
Solutions > Home Insurance (Domestic Cover)
Home, Sweet, Covered – Protect Your Castle with Joy
The Domestic Package is a combined home insurance policy that protects you against the risks present in your private dwelling, placing several covers under one policy. Standard sections are: (A) Building – the main structure including garag
One Combined Policy
Building, contents, valuables, staff & liability
Free Liability up to KSh 2m
Owner's & occupier's liability included
What is APA Home Insurance (Domestic Package)?
The Domestic Package is a combined home insurance policy that protects you against the risks present in your private dwelling, placing several covers under one policy. Standard sections are: (A) Building – the main structure including garages, outbuildings, swimming pools, walls, gates and fittings; (B) Contents – household goods and personal effects; (C) All Risks – specified portable items carried outside the home (cameras, jewellery, phones, laptops); (D) WIBA – domestic employees; and (E/F) Owner's and Occupier's Liability. It suits tenants, landlords and developers.
Highlights
- One combined policy for building, contents, valuables, domestic staff and liability.
- Up to KSh 2m owner's and occupier's liability included free of charge.
- All Risks cover for portable valuables (phones, laptops, jewellery) – extendable worldwide.
- Flexible, customisable sums insured for tenants, landlords and developers.
What is Covered and Not Covered Under Home Insurance (Domestic Cover)?
Toggle between the categories below to understand the comprehensive scope of our cover details.
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Household Contents
Your household goods and personal effects against theft and the insured building perils.
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All Risks (Portable Items)
Specified portable valuables – cameras, jewellery, phones, laptops – extendable worldwide.
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Domestic Employees (WIBA)
Cover for your domestic staff, including death/PTD, weekly benefits, medical and funeral.
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Owner's & Occupier's Liability
Legal liability up to KSh 2m each, included free of charge in the policy.
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Alternative Accommodation
Alternative accommodation / loss of rent up to 10% of the sum insured.
Eligibility & Documentation
Eligibility Criteria
Specifications
Who Qualifies
Tenants, landlords (owners of domestic dwellings) and developers of residential buildings.
Section Rule
You must take Section A (Building) or B (Contents), or both, to add C, D, E and F.
Documents
Completed proposal form and an itemised list of contents with their values.
High-Value Items
Valuation reports/pro-forma invoices for high-value All Risks items.
How to Buy the APA Domestic Package?
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Choose your sections – Building and/or Contents, then add All Risks, WIBA and liability.
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Complete the Domestic Package proposal form with an itemised contents list and valuations.
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Buy through an APA branch or intermediary with flexible payment options (call 0709 912 777).
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Your combined home policy is issued, keeping your castle protected from the unexpected.
Everything You Need, All in One Place
Access policy documents, claim forms, renewals, and important resources anytime.
Real Stories from Customers Who Trust Our Coverage
Learn why professionals trust our solutions to complete better customer journeys.
“Support became faster, clearer, and more consistent across every customer touchpoint. It changed how we interact with our clients.”
Nia Afolayan
Customer Expert
Chioma Nwosu
Customer Success
“The onboarding was smooth from day one, and our team saw measurable results quickly. It gave us a much faster customer journey.”
Jordan Mensah
Growth Manager
Daniel Okoro
Founder
“It helped us create a better customer journey without adding complexity for the team, keeping all departments aligned.”
Robert Hayes
Regional Partner
Frequently Asked Questions
A combined home insurance policy that covers your building, contents, portable valuables, domestic employees and legal liability under one policy.
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Enjoy every moment you live
“The easiest way to manage my cover.”
— Sarah K., Nairobi
APA, Insuring Happiness
Manage Your Insurance on the Go
Experience the future of insurance management. Our mobile app provides a seamless digital curator experience for your policies, claims, and peace of mind.
APA, Insuring Happiness
What would you like to protect?
+
Health Insurance
+
Motor Insurance
+
Life Insurance
“The easiest way to manage my cover.”
— Sarah K., Nairobi
