Building Insurance
Protects the structure of your home and its permanent fixtures against fire, storm, water damage and other insured perils.
Building insurance protects the physical structure of your home — walls, roof, geysers, fitted kitchens, boundary walls, pools and other permanent fixtures — against fire, storm, flood, burst pipes and related perils. If you have a bond, your bank requires it; if you do not, you need it just as much.
Getting the sum insured right
The single most common problem we find in building cover is underinsurance: a sum insured based on market value instead of replacement cost. We help you set the correct replacement value — including demolition, professional fees and escalation — so a total loss does not become a partial payout.
Related cover
More personal products
Specialised Items Cover
For possessions that don’t fit standard categories — musical instruments, sports equipment, collections and other specialist valuables.
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Household Contents Insurance
Protects everything inside your home — furniture, appliances, electronics and clothing — against theft, fire, storm and malicious damage.
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Watercraft Insurance
Cover for powered boats, jet skis and their trailers — hull, liability and gear, on and off the water.
Learn moreNot sure if this is the right cover?
Talk to us — we broker across all the major South African insurers and will structure cover around your actual risk.