Home Insurance

Home Owner


Building Your home is likely your largest and most emotional financial investment. Yet, it is also a vulnerable one, subject to natural disasters, burglary and vandalism among others. With our Building Cover, you’ll know that your house is covered against events such as Fire, Lightning, Cyclone, Flood, Burglary, Malicious Damage and more.


You’ve spent time and money to get the things you’ve got today. Replacing your belongings if something happened would put you out of pocket. Give yourself less to worry about by protecting your furniture, carpets, household appliances, clothes and anything that is precious to you inside your home.

When you buy Contents Insurance you’ll have cover for events such as Fire, Explosion, Lightning, Cyclone, Flood, Burglary, Malicious Damage and more.

Personal Effects

Add Personal Effects coverage to your Contents Cover to protect your valuables away from home. We all know it’s too easy to lose or damage something you’re wearing or carrying while out and about. This reassuring cover includes belongings like jewellery, watches, cameras, mobile phones, laptop and sports equipment

Personal Liability

These days just about anyone can be sued as a result of their actions. The personal liability coverage within your home insurance provides coverage for bodily injury and property damage sustained by others for which you or your family members are legally responsible. For example, someone falls down your stairs, or your child accidentally throws a ball through a neighbor’s window, breaking an expensive item – you may be held responsible for the damages caused. Under personal liability coverage, the insurance company defends you if you are sued, and pays damages to the injured person up to the limit of liability.

Domestic Workers Compensation

Domestic Workers Compensation gives you cover for people you employ to work at your residence in the event they are injured and you are legally liable.

Additional benefits:

Home Assistance

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Not everyone masters the art of home maintenance. That is why an electrical breakdown or a water leak can be a mere incident for some and a disaster for others. That is the thinking behind the Emergency Home Assistance.

Our Home Assistance has the competence to meet these needs and make your life easier.

You’ve lost your key, or it got broken in the lock: a provider from our network will respond round the clock, 365 days of the year, to replace the lock and reassure you.

If a window is broken or if your home is no longer protected, we will send a competent technical person suited to secure the place as quickly as possible.

For a water leak or an electrical failure, we are able to supply qualified and approved tradesmen to repair any damage quickly and effectively.

Our Emergency Home Assistance service is geared to provide quick temporary measures to stop or prevent further damage until adequate repairs are carried out.

Our 24 Hour Emergency Home Assistance Contact Details are:

 467 8506 Office hours 08:00 to 16:00
 5255 9213 Outside office hours 16:00 to 08:00.

Modification Cost

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If you or a member of your family living in your house becomes accidentally disabled, We will pay for the cost of any necessary modifications in your house as your primary place of residence.

Boarding Up Costs

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As a result of an insured loss or damage to your home, whereby you need to incur additional costs to secure the residential property, we will pay for such amount as provided under your Policy cover.

Involuntary Loss Of Employment

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If you lose your job, we will pay for monthly school fees of your children and/or loan repayments subject to conditions of the cover.

Rental Cost of Insured's Loss

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We will cover reasonable costs of alternative accommodation for you, your family and your household pets if your home becomes unfit to live in as a result of an event covered by your policy.

Accidental Breakage of Glass

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If a fixed glass or sanitary ware is accidentally broken in your home, we cover for the repairs or replacement.

Replacement of locks and keys

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We will pay for the replacement of keys or locks, or changes to key codes, if the security of your home is at risk following a burglary, theft, or loss.

Landscaping cost

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We will pay the cost of landscaping including the replacement of fixed trees, plants and shrubs that have been lost or damaged by fire, lightning or explosion and for the cost of professional garden-design fees incurred to return your garden to its condition prior to the damage.

Food Spoilage

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We will pay for spoilage of perishable food in a domestic refrigerator, freezer or deep freeze unit caused by:

  1. breakdown or failure of the unit or any of its components;
  2. escape of the refrigerant or fumes; or
  3. accidental failure of the public electricity supply to the buildings

Guest/Visitor/Domestic Helper's Property

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We will pay if property belonging to your guests, visitors or domestic helpers is lost or damaged by an event covered by this policy when your guests’, visitors’ or domestic helper’s property is kept in the building/s, provided that we would have paid the claim if the lost or damaged property had belonged to you.

Electrical Damage to Appliances

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We will cover for electrical damage to home electrical appliances.

Credit Card Loss Or Theft

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If your credit card or other automatic teller machine card is lost or stolen during the period of insurance and you are legally liable to pay for credit given to anyone who has found or stolen your card during the period of insurance, we will pay for any one occurrence of loss or theft of one or more of your cards.

Pet Cover - Veterinary Fees Only

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Pet cover (for Dogs and Cats only) provides cover for the cost of fees charged by a veterinary practice for consultations, examinations, tests, X-rays, surgical procedures, drugs and medication, nursing and hospitalisation for an illness, injury, accident or change in your pet’s health.