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Protect your home and your family from the unexpected

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home insurance

Protect your home and your family from the unexpected

It takes a lot to build a home, but little to protect it

When you’ve worked hard to create a home that’s just the way you like it, you want to make sure it stays that way. Simply sign up for home insurance on the SC mobile app to enjoy peace of mind and a host of free benefits.

Excluded items and excess amounts:

Free additional benefits
Alternative accomodation up to 10% of building’s sum insured
Breakage of glass up to contents sum insured up to contents sum insured
Damage to contents of freezer up to KES 10,000
Excess amounts:
Buildings excess – nil (other than earthquake excess)
Contents / all risks excess – KES 1,000
Mobile phone excess – Kes 2,500
Earthquake excess – 2% of sum insured, up to KES 5 Million
Note:
• Cover on jewellery items of value of Ksh 50,000 and more would be  subject to a valuation report
• Declaration of the All Risks Items(With Individual values Above Ksh50,000) and Contents(with individual values above Ksh 150,000) should be done within a period of 30 days from cover inception otherwise single article limit would apply.
Limits of liability:
Description Limit
Domestic employees protection
Death and Permanent Total Disablement Up to 8 years earnings
Physical Disability (Temporary Total Disablement) weekly earnings up to 52 weeks
Medical expenses up to KES 100,000
Funeral expenses up to KES 30,000
Personal effects up to KES 5,000
Occupational illness up to KES 4,000,000
Breakage of glass up to contents sum insured up to contents sum insured
Damage to contents of freezer up to KES 10,000
Excluded items:
Mechanical and electrical breakdowns
Wear and tear, depreciation, atmospheric conditions
Unexplained losses

FAQs

  • • Buildings(Excluding Land value)
    • Contents
    • All Risks
    • Work Injury Benefit Cover
    • Legal Liability to Third Parties within your premises
    • Golfers Cover

  • Any Standard Chartered Bank Current Account holder

    • Negotiated products with competitive ratings and price
    • Competitive product benefit offering and pricing
    • Assurance of support from the Insurance Service Provider

  • We are currently partnering with Sanlam General on this product.

  • The acceptable modes of payment are online transfers from your current account or credit card payment

  • Get in touch with Sanlam General Insurance Company or walk into your nearest Standard Chartered Branch

  • • Convenience
    • One-stop shop for your insurance solutions
    • Follow up for speedy facilitation/feedback/settlement of claims by the provider

  • Yes you can under our optional benefits but the political violence extension is limited to the Building and Contents Sections.

  • This section covers your domestic employees against accidental injury during the course of work as stipulated in the Work Injury Benefit Act of Kenya.

  • • Buildings – Covers the buildings and outbuildings (Excluding land value)
    • Contents-Covers furniture, fixtures, fittings and all other household contents
    • All Risks- Cover for portable items including laptops, mobile phones , jewellery(subject to valuation report) and personal effects.
    • Work Injury Benefit Act- Cover for accidental injury to domestic employees during the course of work as per the WIBA act.
    • Golfers Cover- Cover for damage or loss of golf equipment with optional cover extensions.

  • The Building section covers only buildings of first and second class construction(Walls made of Stone, Concrete or Bricks with roofing made of Tiles or Concrete or Iron Sheets)

  • Yes you can insure your contents alone. You however cannot take up cover for All Risks, WIBA or Golfers sections without at least having a building or Contents cover as accommodating covers.

  • • Cover on jewellery items of value of Ksh 50,000 and more would be subject to a valuation report
    • Declaration of the All Risks Items(With Individual values Above Ksh50,000) and Contents(with individual values above Ksh 150,000) should be done within a period of 30 days from cover inception otherwise single article limit would apply

  • In case of inquiries kindly contact your insurance specialist or Kenya.Bancaheadoffice@sc.com

Terms & Conditions

Disclaimer

This solution is underwritten by Sanlam General Insurance Company Limited, who are liable for any loss arising out of the insurance products including payment of claims on this product. Insurance products are distributed through Standard Chartered Bancassurance Intermediary Limited (SCBIL), a wholly owned subsidiary of Standard Chartered Bank, and is regulated by the Insurance Regulatory Authority. Standard Chartered Bank Kenya Limited is regulated by the Central Bank of Kenya. Terms and conditions apply.

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