Buildings Insurance for Holiday Homes | Compare Quotes

Home-Related Insurance Explained

When it comes to insuring your home, there are two types of cover you should be aware of: home insurance (also known as home contents insurance) and building insurance. These can be purchased separately, but bundling them under one policy may unlock combo discounts from insurers.

Building Insurance

Financial protection against fire, theft, floods, and other damage to the structure of your property, including the roof, walls, and fixtures.

Home Contents Insurance

Cover for valuable items inside your home — such as electronics, furniture, appliances, and jewellery — in case of loss, theft, or damage.

Who Should Have Home-Related Insurance?

Whether you're a homeowner, tenant, or landlord, home-related insurance can protect your financial interests.

If you own a freestanding house, building insurance is your responsibility.
If you live in a sectional title unit, the body corporate usually handles building cover via levies.
If you rent, your landlord handles building insurance — but you’ll need your own contents insurance.
If you're a landlord, building insurance protects your asset, while tenants should cover their own belongings.

Where to Get Home Insurance Quotes

Use Hippo.co.za’s comparison tool to get quick quotes from multiple insurers. Compare premiums, excesses, and benefits for both building and contents insurance — all in one place.

Compare Home Insurance Quotes

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FAQs About Insuring Your Home

What is the difference between building insurance and home contents insurance?

Building insurance covers the physical structure of your home – including walls, roof, and fixtures – against risks like fire, floods, or theft. Home contents insurance protects the items inside your home, such as appliances, furniture, and electronics, against loss, theft, or damage.

Do I need building insurance if I live in a sectional title property?

In most cases, sectional title properties are insured under a single policy managed by the body corporate, and the cost is included in your levies. However, it’s important to check the details with your complex or estate manager to confirm your responsibilities and coverage.

Where can I compare building and home insurance quotes?

You can easily compare quotes using the home insurance comparison tool on Hippo.co.za. It allows you to view premiums, benefits, and excess amounts from multiple insurers to help you find the best deal for your property and contents.

Expert guides, tips and tools

Clear, helpful guides to help you choose the right cover and get the most from your Buildings Insurance Cover.

A guide to insuring your home

Whether you own property or rent from someone else, home insurance and building insurance can safeguard your financial interests.

Special Buildings Insurance Cover

These include Flood Insurance, Thatched Home Insurance and Unoccupied Home Insurance.

Buildings Insurance during renovations

Thinking of renovating? Shop around to find one that will cover you sufficiently during this time.

Buildings Insurance for your holiday home

Your holiday home is just as vulnerable, you will need a form of Buildings Insurance to protect you financially.

Compare more than just Buildings Insurance

With Hippo we make it easy to find great deals across multiple products.

Car Insurance

Covers your vehicle against damage, theft and third-party claims. Premiums vary by driving history, usage, vehicle model and where you park overnight.

Medical Aid

Gives you access to private healthcare. Compare plans, benefits and costs to find the right fit without paying for cover you don't need.

Life Insurance

Provides financial security for your dependants. Ensure your home loan, rental costs, debt and children’s tuition are taken care of when you pass.

Funeral Cover

Covers the immediate costs associated with a funeral. Premiums are influenced by your age, number of policy members and amount of cover.

Personal Loans

Compare rates across multiple lenders to find a fair deal. Rates vary based on your credit profile and chosen loan term, so comparison matters.

Medical Gap Cover

Covers the difference (shortfall) between what your Medical Aid pays and what a specialist charges. Gap Cover is not a substitute for Medical Aid.

Medical Insurance

More flexible and affordable than Medical Aid, Medical Insurance covers day-to-day health needs or specific procedures. This product is not a substitute for Medical Aid.

Business Insurance

Protects your business’ property, assets and third-party liability. The right cover depends on the nature, size and risk profile of your operations.

Home Contents Insurance

Covers your home's contents against damage, theft and loss. Compare quotes to find the most competitive rate.

Motorbike Insurance

Covers your motorcycle against damage, theft and third-party claims. Premiums vary based on your personal profile.

Pet Insurance

Vet bills can add up quickly, especially when unexpected. Compare quotes to find a policy that fits your fur baby’s needs (and your monthly budget).

Travel Insurance

Protects you against unexpected medical and/or flight-related costs when travelling locally or abroad. Premiums vary based on the type of cover you opt for.

Home Fibre

Fibre prices and speeds vary significantly by area and provider. Find the fastest, most affordable package without contacting each provider separately.

Scratch and dent cover

Covers minor cosmetic damage to your vehicle without affecting your Car Insurance claims record. Compare plans to keep your car looking good without paying out of pocket.

Tyre and Rim cover

Covers the cost of repairing or replacing damaged tyres and rims. Compare plans to find affordable cover that protects you against one of South African motoring's most common expenses.

Motor Warranty

Protects you against unexpected mechanical and electrical repair costs after your manufacturer warranty expires. Compare plans to find the right level of cover for your vehicle.

Service Plans

Covers the cost of scheduled vehicle maintenance, including parts and labour. Compare service plans alongside your Car Insurance for a complete picture of your motoring costs.

Vehicle Tracking

Helps protect your vehicles by assisting with recovery in the event of theft. Many providers also use Vehicle Tracking to flag when your vehicle is in an unfamiliar area.