Structural cover for your house, outbuildings, walls, gates and fixed improvements — priced for SA risk, not generic models.
Home (buildings) insurance protects the physical structure of your property — walls, roof, fixed fittings, garages, outbuildings, boundary walls, gates, paving and pools — against insured events like fire, storm, burst geysers, theft and accidental damage.
Ready when you are
Get buildings quotes from R350/month in 2 minutes.
Insurer rebuilds at today's costs, not depreciated value.
Highveld-grade cover for SA's extreme summer weather.
Including resulting surge damage to fixed infrastructure.
Critical for coastal and Highveld clay soil regions.
Up to R5 million if someone is injured on your property.
Covered while your home is uninhabitable.
It's not legally required, but every bank requires it as a condition of your home loan. If you own your home outright it remains strongly recommended — rebuilding even part of a structure can run into millions of rand.
Insurers look at your suburb's risk profile, building materials, roof type, security features, claims history and the sum insured. HomeCover compares 10+ insurers so you only pay for cover priced for your exact risk profile.
Standard buildings cover usually excludes power surge damage to fixed wiring. We help you add a Load Shedding Shield extension that covers surge damage to electrical infrastructure for as little as R45/month extra.
Buildings insures the structure itself (walls, roof, plumbing, fitted kitchen). Contents insures what's inside (furniture, electronics, clothing). Most homeowners need both.
Household contents insurance covers the movable items inside your home — furniture, appliances, electronics, clothing, linen, crockery, jewellery kept at home and similar belongings — against theft, fire, storm and water damage, and listed accidental damage. It does not cover the building structure itself; that's buildings insurance.
Partially. Most policies cap solar at a low sub-limit (often R50–R100k) or exclude batteries entirely. With systems now averaging R150–R250k installed, you're almost always underinsured without a specialist extension.
Most buildings policies include basic geyser cover, but the limits and excesses vary wildly. Standalone or upgraded geyser cover ensures faster response and higher replacement caps.
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Head-to-head breakdowns of the choices most SA households get wrong.
Buildings insurance covers the structure, contents insurance covers what's inside. Compare cover, cost, claims examples and who needs which in South Africa.