As a landlord, it is advisable to be protected financially, in the event that your property is damaged. It is, therefore, recommended that you inform your insurance provider that the building or property you are insuring may be rented or leased to tenants.
There’s more to being a landlord than just collecting rent. As with any property-related investment, unforeseen events can lead to serious financial loss. That’s where Landlord Insurance steps in — offering tailored protection to those leasing out residential or commercial properties.
Certain insurance providers will allow you to claim the following as a landlord:
There are numerous things that could go wrong if you’re renting your property out to someone, and Landlord Insurance protects you financially in the event that your rent income is lost or you need to replace or repair a damaged item.
If you are a landlord looking into a Buildings Insurance policy, remember to consider the above while doing your research to find the right policy to suit your needs. It may also be advisable to discuss the different options available to you with a certified financial planner.
Common Landlord Insurance Features
| Benefit | Description |
|---|---|
| Malicious Damage | Protects against intentional damage caused by tenants or third parties. |
| Loss of Rent | Covers lost rental income if the property becomes uninhabitable due to damage. |
| Non-Payment Protection | Optional cover that reimburses lost income if a tenant defaults on rent. |
| Property Damage Cover | Includes cover for geysers, burst pipes, or damage caused by fire, storms or theft. |
Who Should Consider Landlord Insurance?
If you rent out a property — whether it’s a freestanding house, flat, or holiday home — landlord insurance can provide a valuable safety net. It’s especially useful for:
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Get answers to common questions about building and contents insurance before you compare quotes.
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.
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.
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.
Visit Hippo.co.za to compare multiple home and building insurance quotes side-by-side, and find the right cover for your property.
Welcome to our comprehensive Business Insurance Guide, where we've compiled essential information, practical tips, and expert tools to help South African business owners protect their assets and operations.
A Guide to Insuring Your Business Property: Learn how to protect your business premises, contents, and equipment from risks such as fire, theft, and natural disasters.
Landlord Business Insurance: Get coverage for rental properties used for commercial purposes and ensure continued rental income if the property becomes uninhabitable.
Specialised Commercial Cover: Explore insurance products tailored for niche industries like hospitality, retail, and manufacturing.
Protecting Your Business Premises: Always ensure your commercial property is insured for its full replacement value, not just market value.
Insurance During Renovations or Expansion: If you're renovating or expanding your premises, inform your insurer — building changes may affect your risk profile and policy terms.
Compare Quotes Smartly: Use tools like Hippo’s comparison platform to get multiple business insurance quotes quickly and easily.
