Home Insurance · Cape Town

Most home insurance claims fail on details no one checks until it's too late.

A plain-English breakdown of buildings and contents cover, the gaps that catch homeowners out, and what really moves your premium.

Book a free 15-minute call
No obligation. No spam. Just a straight conversation about your cover.
RE5 qualified adviser
Accredited with multiple leading South African insurers
The basics

What's actually covered — and what isn't

Fire and storm damage to the structure

Repair or rebuild costs for insured events, within your sum insured.

Gradual deterioration and rot

Wear, damp, and maintenance issues are excluded on most policies.

Burst geyser and water damage

Covered where the damage is sudden, not the result of long-term neglect.

Underinsured rebuild cost

If your buildings sum insured is below true rebuild cost, you carry the shortfall.

Contents theft with forced entry

Covered where there's evidence of forced or violent entry.

Items removed from the home

Portable items away from your property need separate cover, not included here.

Cover gap check

The four gaps most homeowners have without knowing it

Rebuild cost never reassessedBuildings sum insured set years ago, never updated for rising construction costs.
Contents undervaluedInventory never updated after upgrades, renovations, or big purchases.
No accidental damage coverA spilled drink on a couch or a dropped TV often isn't covered without an add-on.
No geyser or plumbing add-onBurst pipe damage can be excluded without a specific extension.
Pricing factors

What actually moves your premium

Factor 01

Security features

Alarm systems, electric fencing, and burglar bars all factor into risk pricing.

Factor 02

Building material and roof type

Thatch, older roofing, and non-standard materials carry different risk weightings.

Factor 03

Location and area risk

Flood zones, crime statistics, and weather exposure all play a role.

Factor 04

Claims history

A clean claims record on your current policy works in your favour.

Factor 05

Excess structure

A higher voluntary excess on your policy usually lowers the monthly premium.

15 minutes. No pressure. Just clarity.

We'll walk through your buildings and contents cover together, and flag anything that looks underinsured.

How it works

Three steps, start to finish

Book a 15-minute call

Pick a slot that works for you — no forms to fill in first.

We review your situation

Your current cover, your assets, your budget — a proper needs analysis, not a quote bot.

You get a clear recommendation

Only once I understand your situation — never before.

Questions

Common questions

Is this page giving me financial advice?

No. This page is educational only. Personalised advice only happens after a proper needs analysis on a call, as required under South African financial services regulation.

Do I need buildings and contents cover separately?

Usually yes — if you own your home you typically need both; if you rent, contents cover alone is often the relevant one.

Does home insurance cover items stolen from my car?

Generally no — that falls under portable possessions cover, which is a separate policy.