Domestic Package Insurance typically includes multiple sections, each designed to cover different aspects of risk related to a private residence. Here’s an overview of the common sections and their coverage:
1.Section A – Covers Damage to the private dwelling house or flat including domestic buildings, landlord fixtures and fittings, walls gates and fences all on the same premises caused by various perils e.g
1. Fire, lightning, thunderbolt, earthquake or Volcanic Eruption or Subterranean fire
2. Explosion
3. Riot & Strike
4. Aircraft or other aerial device
5. Bursting or overflowing of a water tank apparatus or pipe
6. Theft accompanied by actual forcible and violent breaking
7. Impact with the buildings by any road vehicle or animal not belonging to the insured
8. Storm or tempest e.t.c

2.Section B – This section covers the contents of a private dwelling, including furniture, household goods, personal effects, and fixtures or fittings owned by the insured or their family members residing with them. It excludes landlords’ fixtures and fittings.
3.Section C- All Risks typically provides coverage for personal belongings and specific items against loss or damage from various causes, regardless of location, unless explicitly excluded in the policy.
4. Section D – Owners’ Liability
Covers the insured’s legal liability as a property owner for injuries or damages to third parties arising from accidents on the property.
5. Section E – Occupiers’ Liability
Covers the insured’s liability as an occupier of the property for injuries or damages to third parties due to accidents occurring within the residence.
6. Section F – Workmen’s Compensation
Covers liability for injuries sustained by domestic workers while performing their duties in the insured residence.