Products

Private Homes


Houseowners and Householders cover is on an All Risks basis, and Accidental Damage is included for the full sum insured. We offer the client one policy for his entire portfolio including All Risks, Personal Liabilities, Motor, PLIP & Smallcraft.

Some of our standard extensions:

  • Personal Liability of the insured - R10 000 000
  • Theft of garden furniture, potted plants & watchmen’s services - R10 000
  • Business Office Contents - R30 000
  • Fridge/ deepfreeze contents - R2 500 or 2% of sum insured
  • Rent Receivable - 25% of the sum insured
  • Golf “hole-in-one” - R1 000
  • Shelter for domestic pets following fire at main residence – R2 000
  • R5 000 cover for each of the following:
    • Guest’s and domestic’s effects
    • Keys and locks, electronic locks, remotes, alarm or security controllers, reprogramming of coded alarm/lock/security device on disappearance
    • Illegal use of credit or debit cards
    • Garden and water features
    • Veterinary expenses following a road accident
  • R3 000 cover for:
    • Mechanical / electrical damage to swimming pool, borehole, jacuzzi machinery, electric doors and gates
    • Death of horses/koi fish following an insured peril
  • Optional Breakdown cover for white goods
  • Optional Umbrella Liability for R20 million (PLIP)


Residential Associations


  • Body Corporates
  • Sectional Titles
  • Share Block Associations
  • Whole and Home Owners Associations
Our policy offers the following benefits and covers:
  • Claims Preparation Costs (CPC) – R10 000
  • Loss of Rent - 25% of sum insured
  • Bursting of geysers including the damage thereof
  • Accidental Breakage of fixed glass and sanitary ware
  • Machinery Breakdown for lift motors, air-conditioning and standby diesel generators - R3 000
  • Public Liability - R2 500 000
  • Money - R10 000
  • Trustees Indemnity - R100 000
  • Electrical/mechanical damage to machinery of swimming pools, boreholes, jacuzzis, electrical doors and gates - R3 000
  • Breakage of television masts
  • Fidelity Guarantee is offered as an optional extension