Dedicated cover for solar panels, inverters, lithium batteries and backup systems — most home policies underinsure or exclude them.
Solar cover is specialised home insurance for grid-tied and off-grid PV systems. It protects the panels, inverter, lithium batteries and balance-of-system components — assets that often exceed R200k and aren't fully covered by standard buildings policies.
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Panels are SA's most-claimed solar peril — fully covered.
Including forced removal and roof damage.
Replacement value for batteries up to R150k+.
Inverter failure, MPPT faults and surge damage.
Including DC arc fire damage to the structure.
Daily allowance while system is out of action.
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.
Yes — failing to declare solar installations is a leading cause of claim rejection. We make declaration easy and ensure your insurer prices correctly.
Yes. Hail is the #1 claim type on solar systems in Gauteng and Free State. Our partner insurers pay full replacement on Tier-1 panels.
Covered, including damage to your roof caused by the theft. Most policies require visible security (perimeter alarm or fence).
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.
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.
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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Learn more →Does standard buildings insurance cover solar panels, inverters and batteries? Compare limits, surge cover, CoC requirements and what needs to be specified.
Every cover type, exclusion and claim rule explained in one pillar guide.
Head-to-head breakdowns of the choices most SA households get wrong.