Cover for your home's structure and the contents inside it, against fire, storm damage, theft and more.
Covers the structure of your home against fire, storm, flood and other insured perils.
Covers furniture, appliances, electronics and personal items inside your home.
Temporary accommodation cover if your home becomes uninhabitable after an insured event.
| Cover feature | Detail |
|---|---|
| Excess (standard claim) | R1,500 or 1% of sum insured, whichever is greater |
| Buildings sum insured | Based on rebuild value, not market value |
| Contents sum insured | Based on replacement value |
| Accidental damage | Optional add-on |
| Alternative accommodation | Up to 3 months, included |
No — buildings cover is based on rebuild value (the cost to reconstruct your home), which is usually different from its market value.
Portable items like laptops and jewellery need Portable Possessions cover for cover away from your home.
Gradual wear and tear, and damage from lack of maintenance, are typically excluded — ask your adviser for the full exclusions list.
An adviser at Mzansi Advisors can help you calculate an accurate rebuild value — at no extra cost.
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