Home Insurance South Africa

Protect your property and possessions with reliable home insurance in South Africa. Whether you're a first-time homeowner or renovating your cover, we make it easy to compare quotes, understand policies, and secure peace of mind.

Why You Need Home Insurance

Home is likely your most valuable asset. Home insurance safeguards your investment from disasters, including:

• Fire, smoke, and lightning damage
• Burglary and home invasion
• Storm, hail, and burst pipe damage
• Liability claims if someone is injured on your property

Without cover, replacing even basic household contents could cost thousands of rand.

Types of Home Insurance Cover

• Building Cover: Covers the structure of your home—walls, roof, foundations, etc.
• Contents Cover: Protects furniture, electronics, appliances, and personal belongings.
• Loss of Use/Add-On Accommodation: Costs for alternative housing if your home is uninhabitable after a claim.
• Liability Cover: Covers legal and medical costs if a visitor is injured on your premises.

Optional Add-Ons You May Want

• Cover for high-value items such as jewellery, art, or collectibles
• Portable items cover—for phones, laptops, and cameras taken outside the home
• Accidental damage protection for internal home mishaps
• Emergency services like locksmiths or plumbers

How to Choose the Right Policy

• Assess Replacement Value: Take inventory and estimate accurate replacement costs.
• Read Exclusions Carefully: Events like floods or wear and tear may not be covered.
• Compare Excess Options: Higher excess often lowers premiums—just ensure you can cover it when needed.
• Evaluate Claims Process: Prefer insurers with fast, fair, and transparent claims handling.

How to Save on Home Insurance

• Bundle your home and car insurance for multi-policy discounts
• Install home security systems to qualify for reduced premiums
• Keep your home well maintained to avoid preventable damage
• Consider a higher excess if you can manage the out-of-pocket cost

Complete The Form Above And Compare Quotes!