Domestic Package v2
DOM-PKG · Property line · Home contents, buildings and occupier liability.
Covers
| Cover | Code | Default limit | |
|---|---|---|---|
| Buildings | BLD | — | mandatory |
| Contents | CNT | — | mandatory |
| Occupier Liability | OCL | KES 1,000,000 | optional |
Eligibility rules
| Field | Rule | Reason |
|---|---|---|
| No eligibility gates configured. | ||
Pricing
| Base rate | 1.25% of sum insured |
| Minimum premium | KES 8,000 |
| Factor: construction | stone ×1 · timber ×1.6 |
| Levy: Insurance Training Levy | 0.25% |
| Levy: Stamp Duty | KES 40 |
Intelligence configuration
| Domain | Autonomy mode |
|---|---|
| Underwriting | RECOMMEND |
| Claims | RECOMMEND |
| Renewal | AUTO |
| Communication | AUTO |
| Payments | AUTO |
off → no intelligence · assist → prepare work · recommend → propose actions · auto → execute within authority.
Version history
| Version | Status | Effective |
|---|---|---|
| v2 current | active | 01 Oct 2025 → present |
| v1 | retired | 01 Oct 2024 → 01 Oct 2025 |
Policies stay bound to the version under which they were issued — history is never silently modified.
Underwriting rules
| Referral threshold | KES 20,000,000 |
| construction | stone +0 · timber +20 |