NEWS

Your home and everything inside it represent some of the most important investments you will ever make. Beyond financial value, they provide security, comfort, and stability for your family. Yet many homeowners realize the importance of protection after suffering a loss, when recovery becomes expensive and emotionally draining.

The Mayfair Insurance domestic package is designed to protect individuals against risks within their private dwellings. It brings together different forms of cover into one structured policy that responds to real-life risks affecting homes, contents, and legal responsibility.

How the Domestic Package is structured

The Domestic Package is divided into distinct sections that allow you to build cover based on your specific needs. Each section addresses a different type of risk, and some sections must be combined to ensure complete protection.

The policy includes cover for buildings, household contents, all risks, work injury benefits, and occupier or owner liability. Sections relating to liability and domestic staff cannot be taken on their own and must be combined with building or contents cover. In the same way, all risks cover applies only when taken together with contents insurance.

This structure ensures that protection remains practical, balanced, and aligned to how homes actually function.

Protection for your building

The building section covers your residential property against a wide range of risks. These include fire, lightning, explosion, earthquake, floods, storms, riots, strikes, and impact from vehicles or animals. It also protects against bursting or overflowing water systems, as well as theft involving forced entry or exit.

If your home becomes uninhabitable due to an insured event, the policy may also support alternative accommodation or loss of rent, up to defined limits. This ensures financial stability even during major disruptions.

Protection for household contents

The contents section covers furniture, electronics, appliances, clothing, and other personal belongings inside your home. It responds to losses caused by fire, theft, water damage, and other insured events affecting the building.

The policy also extends to tenant liability for damage to landlord fixtures caused by covered events such as storms or water leaks. However, it excludes items like cash, documents, motor vehicles, livestock, and property already insured elsewhere unless specifically declared.

A key requirement is accurate valuation. Each item should reflect replacement value, and no single item is assumed to exceed a defined percentage of the total sum insured unless separately listed.

Protection for valuables under All Risks

The All Risks section covers specified valuables such as jewellery, gold, and other portable items. It protects them against theft, burglary, accidental loss, and damage even outside the home, including while travelling or in transit.

This cover excludes risks such as wear and tear, depreciation, repairs, or damage caused during restoration processes.

Domestic staff protection and liability cover

The Domestic Package also includes Work Injury Benefits cover for domestic employees, ensuring compensation and medical support in case of work-related injury. In addition, it provides liability protection for both homeowners and occupiers against legal responsibility for injury or property damage suffered by third parties within the premises.

This includes legal costs and claims expenses approved under the policy, helping you avoid unexpected financial exposure.

Why home insurance matters

Home-related risks are often unpredictable but financially significant. Fire, theft, and natural events can result in losses that take years to recover from without insurance support. A structured policy ensures that recovery does not depend solely on personal savings.

At Mayfair Insurance, the Domestic Package is designed to give you complete and flexible protection for your home, contents, valuables, staff, and liability risks. It brings everything together in one policy that reflects real-life homeowner needs.

Speak to a Mayfair Insurance advisor or request a tailored quotation today. Protect your home, your belongings, and your financial future with a policy built for real protection—not assumptions.