PersonalBuildings
Building insurance for your home
Cover for the structure of your home: walls, roof, fitted kitchen, geyser, boundary walls, swimming pool and outbuildings. Priced from what it would cost to rebuild, not what the house would sell for.
What’s covered
- Fire, lightning and explosion
- Storm, hail and flood damage
- Burst geysers and pipes, and the water damage they cause
- Subsidence and landslip
- Impact damage from vehicles and falling trees
- Rent to live elsewhere while your home can't be lived in, up to 20% of the buildings amount
Optional extras
Add them while you quote and watch the price update.
- Home emergency help: a plumber, electrician, locksmith or glazier on call
Good to know
- Standard excess is 5% of the claim, minimum R500.
- Geyser and lightning claims: R1 000. Subsidence claims: 5%, minimum R2 500.
- A thatch roof is covered only when your schedule says so and its thatch requirements are met, so tell us up front.
- Cover is for standard construction: brick, stone or concrete walls, with a slate, tile, concrete, asbestos or metal roof.
- Wear and tear, gradual damage and maintenance aren't covered.
- If your home is bonded, the bank's interest can be noted on the policy.
What we’ll ask you
So your price is right the moment you see it.
- 1What it would cost to rebuild your home
- 2Whether the roof is thatch
- 3Your home address
These are the highlights. The full cover, limits, conditions and exclusions are in the official policy wording issued by the insurer, New National Assurance Company Limited, read together with your policy schedule. Your quotation and every policy document link to it.
Other cover
- Car insurance
- Household contents insurance
- Things you carry on you
- Cell phone & laptop insurance
- Personal liability insurance
Broken down or a burst geyser? See emergency help and roadside assist.