Buildings cover plus loss of rent, tenant default and malicious damage — purpose-built for South African landlords.
Landlord insurance combines standard buildings cover with rental-specific extensions: loss of rent during repairs, tenant default protection, malicious damage by tenants and landlord liability.
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Full structural insurance at rebuild value.
Up to 12 months while property is uninhabitable.
Missed rent cover after lease default.
Beyond normal wear and tear, intentional damage covered.
If a tenant or visitor is injured on your property.
Legal expenses for tenant eviction proceedings.
No. Standard buildings policies exclude tenanted properties or void claims if the property is let without disclosure. Always switch to a landlord policy when you start renting out.
If your tenant stops paying rent and is in legal default, the insurer pays your rent (usually up to 6 months) while you proceed with eviction.
Yes — including stained carpets, broken fittings and deliberate vandalism by tenants, separate from normal wear and tear.
Add landlord contents cover for stove, geyser, fitted appliances and any furnished items you provide.
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.
Your body corporate insures the main structure under STIA. It does NOT cover your contents, fittings, improvements, or excess payments — those are your responsibility.
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.
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Every cover type, exclusion and claim rule explained in one pillar guide.
Head-to-head breakdowns of the choices most SA households get wrong.