Top-up cover for sectional title owners — improvements, contents, excess waiver and personal liability beyond the body corporate policy.
Your body corporate insures the building structure, but owners are exposed to gaps: internal improvements, fixtures, excess payments, personal liability and contents. Sectional title cover fills those gaps.
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Bathroom upgrades, fitted kitchens, built-in cupboards.
Cover the body corporate excess (often R10k+) for claims you trigger.
Everything inside your unit, including patio furniture.
For owners letting out their sectional unit.
If someone is injured in your unit.
If you serve on the body corporate board.
Your body corporate insures the main structure under STIA. It does NOT cover your contents, fittings, improvements, or excess payments — those are your responsibility.
Burst geysers leaking into neighbouring units — and you may be liable for both the body corporate excess and damage to other owners' contents.
If you're a tenant, you only need contents cover. This product is for owners of sectional title units.
Yes. If you let your unit, we add loss-of-rent and tenant default cover.
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.
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.
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.
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Learn more →Every cover type, exclusion and claim rule explained in one pillar guide.
Buildings insurance covers the structure, contents insurance covers what's inside. Compare cover, cost, claims examples and who needs which in South Africa.
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