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Enables homeowners to maintain monthly bond repayments in the event of illness, disability + death. From only R80 a month.


How Much Life Cover?

Not having enough life cover is just as dangerous as having no life insurance at all but how much do you actually need?


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Homeowners Insurance South Africa


If you want to insure the building of your private residence, outbuildings, swimming pool etc. against fire, lightning, explosion, earthquake, water, wind, storm damage etc, you need homeowners insurance cover.  When you have a bond on your home, the bank will require that insure the building on a homeowners insurance policy for the duration of the bond term.

Most homeowners insurance policies provides cover for more that just the walls and roof of your home.  Cover for broken windows, geysers, bursting of water tanks and pipes (including the damage to it), malicious damage etc. are usually included.  Premiums are based on the area you live in, construction of the roof and walls (non-standard walls and thatched roofs increases the risk and premium), the value of your home and the excess you agree to pay when you claim.

Ask the following questions when you compare insurance quotes:

  • What is included and excluded in the policy.

  • Any restrictions.

  • Additional benefits offered by the product or company.

  • The excess amount you have to pay when you claim.

  • Does the insurer guarantee your premium (e.g. 12 months).

  • Are there any future premium increases planned.

  • Reputation of the company for paying claims.

Insure buildings and contents for a more comprehensive cover.

Also see

Car Insurance

Home Insurance

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Homeowners Insurance

Glossary of insurance terms

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Ombudsman for short term insurance

History of Insurance

Definition of Insurance

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