Protect Your Home

Home & Contents Insurance in Gauteng

Q: Do I need both buildings and contents cover?

Buildings cover protects the physical structure of your home, while contents cover protects your belongings inside it. Homeowners usually need both; tenants typically only need contents cover. We help you work out what applies to you.

Q: Does it cover tenants or only owners?

Both. Owners generally take buildings and contents cover; tenants take contents cover for their own belongings. We arrange the right option for your situation.

Q: What is typically not covered?

Exclusions vary by policy but often include gradual wear and tear and lack of maintenance. We go through the specific terms with you before you commit.

Cover for the building you own and the belongings inside it — against fire, theft, storm damage and more. We compare cover across our panel for homeowners and tenants across Midrand, Johannesburg and Pretoria.

Get a Quote Run a free audit

FSCA-authorised broker (FSP 55248) Based in Midrand Access to 10+ insurers

Two kinds of cover, one home

Home insurance splits into two parts. Many people are unsure which they need — so we explain both and arrange only what fits your situation.

Buildings cover

Protects the physical structure of your home — walls, roof, fixtures and permanent fittings — against insured events like fire, storms and burst pipes.

Contents cover

Protects the belongings inside your home — furniture, appliances, clothing and valuables — against theft, fire and accidental damage.

All-risk add-on

Optional cover for items you carry outside the home, such as laptops, phones and jewellery.

Commonly covered events

Fire, explosion and lightning
Theft and attempted theft (typically with signs of forced entry)
Storm, wind, hail and water damage
Accidental damage, depending on the policy

Exact cover and exclusions vary between insurers — we compare the terms so you understand what you're actually buying, not just the price.

Are you paying twice?

It's common to hold overlapping cover across different policies — for example, the same portable items insured in two places. Our free Insurance Audit tool helps spot overlaps and gaps before you renew.

Home & contents FAQs

Do I need both buildings and contents cover?

Buildings cover protects the structure; contents cover protects your belongings. Homeowners usually need both; tenants typically only need contents. We help you work out what applies to you.

Are portable items like laptops and phones covered?

Items you carry outside the home are usually covered under an optional all-risk extension rather than standard contents cover. We can add this where you need it.

Does it cover tenants or only owners?

Both. Owners generally take buildings and contents; tenants take contents cover for their own belongings.

What is typically not covered?

Exclusions vary but often include gradual wear and tear and lack of maintenance. We go through the specific terms with you before you commit.