It is believed that the most valuable physical asset that an individual will own is their home and its contents, seconded by a motor vehicle or motor vehicles. Those who live in rented houses or apartments will generally possess furniture and other valuable belongings which can be damaged by fire, theft, accidental damage, or breakage.
Reunion Insurance Company came up with the Chisa Domestic Policy to cater to the needs of both urban and rural home owners. Apart from covering private dwelling houses, apartments, or flats and their contents, the Chisa Domestic Policy also covers motor vehicles, cycles, trailers (for private usage), personal liability, all risks, pleasure craft, golfers, and personal accident risks. This is a comprehensive packaged policy conveniently designed with various protective sections.
Any person owning or renting a private dwelling house who ensures cover for either the house or the contents therein—plus any additional two sections—qualifies for the Chisa Domestic Policy.
There are compelling reasons to choose a Chisa policy over conventional house owners/householders coverage:
Losses are a stressful occurrence. The Chisa Domestic Package policy is designed with near-instant claim settlement to ease stress following a loss (claims payment within 5 days of receipt of signed discharge).
With direct bank transfer facilities across standard banking platforms, claims and compensation payments are disbursed online to prevent unnecessary delays.
We acknowledge any reported loss within 24 hours using available digital and direct communication channels.
Guaranteed 24/7 helpline access and recovery services in the event of an accident anywhere in Malawi.
Report incidents and submission documents directly through our online portal without visiting physical branch offices.
All Chisa claims follow a strict 72-hour assessment timeline upon receipt of required documentation to speed up recovery.
| Benefits | Chisa Packaged Policy | Conventional Policy |
|---|---|---|
| Cover for business equipment | O | X |
| Theft of laundry, garden and swimming pool furniture | O | X |
| Theft or attempted theft in transit up to K500,000 | O | X |
| Guest personal effects up to K100,000 | O | X |
| Domestic staff property/personal effects up to K100,000 | O | X |
| Instant payment of claim money | O | X |
| 24/7 roadside assistance | O | X |
| Online claim reporting | O | X |
| 24 hours turnaround time in claim acknowledgement | O | X |
| 5 days claim settlement after discharge signing | O | X |
| Medical expenses up to K50,000 per person and K250,000 per event | O | X |
| Tenant's liability up to K1,000,000 | O | X |