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This is an insurance policy that provides cover to individuals against risks present in their private dwellings. It places a number of covers under one policy to cater for different insurable interests in their homes. These are listed in different sections:

  • Section A: Buildings (Private dwelling house / flat)
  • Section B: Contents (Household contents)
  • Section C: All Risks (Electronic and other portable items)
  • Section D: WIBA (Domestic workers)
  • Section E: Owner’s Liability (Owner’s legal liability to third parties)
  • Section F: Occupier’s Liability (Occupier’s legal and personal liability to third parties)


  • Property in open
  • Renovating landscaping and paving works damage


  • Excess applicable under some of the sections.
  • Political Violence and terrorism

For assistance, contact our Customer Care teams on 0711-030140 and/or 0711-030105, email customercare@directline.co.ke or visit us at our various branches.

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