What does DP insurance cover?

This policy insures the home. It combines coverage for the home that is, the building and household contents as well as domestic workers against death or injury while in the course of employment. The policy also covers the homeowners or occupiers against lawsuits for injury or property damage caused to other people (third parties).

What does DP insurance cover? 

Domestic package insurance covers the following risks: 

 Domestic package insurance policy has five (5) sections, A to E, as broken down below; 

Section A - Cover for the structure (building) of your home 

Section B - Cover for your personal belongings or contents of the building 

Section C - Cover for items you move with outside the house such as mobilephones, watches, IPads, laptops, rings, cameras, spectacles. This section is also referred to as All Risks 

Section D - Liability protection, this covers domestic workers for injury or death while undertaking domestic work. 

Sections E and F - Coverage of owners and occupiers against lawsuits forinjury or property damage caused to other people. 

Can I purchase DP insurance if I am renting a house? 

Yes. You can purchase Domestic Package insurance if you are renting a house, a flat or an apartment. 

Why is it important to take a home inventory before purchasing DP Insurance? 

Before you purchase domestic package insurance, you will be required to provide a home inventory. A home inventory is a list of all the things in your house including electronics, furniture, kitchen equipment and jewelry. It is important to record the serial numbers of the major appliances, keep the receipts and user manuals safely. Having an up-to-date home inventory will help you insure the correct value of property and get your insurance claim settled faster. 

How often should I review my policy? 

Domestic Package insurance is an annual cover. However, if in the course of the year you make improvements to your home such as fire and burglar alarm systems, upgraded plumbing or electrical system or if you make a major purchase. Inform your insurance company about the improvements or changes. 

 You may need additional cover if there is a change in the value of your home or its contents. 

What should I do if I am leaving the house unoccupied for some time?

If you are leaving your house without an occupant for eight (8) or more consecutive days, you will need to inform your insurance company. Cover may be suspended for the period, or extended to cover the period of un-occupancy on payment of an additional premium.