Terms of Use

What HomeCover is

HomeCover is an independent comparison and referral service. We are not an insurer and we do not underwrite, bind or administer policies. Any policy you take up is a contract between you and the insurer concerned.

Quotes and pricing

Premiums shown on this site are indicative averages based on published South African market data. Your actual premium depends on underwriting, your property, security measures and claims history, and is confirmed only by the insurer.

Your responsibilities

You agree to provide accurate information. Material non-disclosure can void a policy at claims stage. You may not use this site to submit fraudulent, automated or third-party requests without consent.

Limitation of liability

The site is provided on an as-is basis. To the extent permitted by South African law, HomeCover is not liable for indirect or consequential loss arising from your use of the site or from any insurer's decision.

Keep exploring

• Compare the complete SA home insurance guide →

  Every cover type, exclusion and claim rule explained in one pillar guide.

• See what side-by-side cover comparisons includes →

  Head-to-head breakdowns of the choices most SA households get wrong.

• Compare premiums where you live →

  Province and city pages with local risk, pricing and claim patterns.