Generally, Buildings Insurance covers basic damage to your household structure from leaking or bursting geysers and pipes to theft or fire. There are, however, things that Buildings Insurance may not cover. These include Flood Insurance, Thatched Home Insurance and Unoccupied Home Insurance.
floods. If your current policy doesn’t extend cover to damage from flooding you should consider discussing this with your insurance provider. Flooding is considered a natural disaster and so any item damaged by flooding can be claimed for.
Not all companies provide cover for thatched homes, but some providers do offer this type of cover at an extra charge, as having a thatch roof is considered a higher risk. Although a thatch roof is an eco-friendly form of roofing due to it being a natural product, it can catch fire very easily and the fire can spread very quickly. It can also be expensive to repair as the tools and expertise needed to do the job are few and far between.
If you find yourself in a situation where your home will be unoccupied for a certain amount of time, you should make your current insurance provider aware of this, as well as check how many days you will be covered for while not occupying your home. If your policy, for example, only allows 60 days of cover while you are not occupying your home, you might have to cover the costs of any damage that occurs after this time yourself.
If you know that you might need cover for some or all of these situations, ensure that you do your research into these possibilities when looking for Buildings Insurance quotes on Hippo.co.za. Do your research upfront, so that you don’t run into any hassles after you sign a policy. It is also advisable to talk to your current insurance provider about what additional options are available on your existing Buildings Insurance policy, or seek advice from a qualified financial advisor.
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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.
Explore our Business Insurance guides, from protecting your premises and rental properties to understanding specialised cover for different industries.
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 cover for commercial rental properties and protect your income if the property becomes uninhabitable.
Specialised Commercial Cover Explore insurance solutions tailored for industries such as hospitality, retail, and manufacturing.
Protecting Your Business Premises Make sure your commercial property is insured for its full replacement value, not only its market value.
Insurance During Renovations or Expansion Tell your insurer about renovations or extensions, as structural changes can affect your risk profile and policy terms.
Compare Quotes Smartly Use comparison tools like Hippo to quickly review multiple Business Insurance options and find cover that suits your needs.
