Covers unexpected physical damage to the structure of your home and its permanent fixtures, including built-in cupboards, water pipes, light fixtures, solar panels, and other fixtures. Cover up to R500 000 is automatically included.

Covers the increased, permanent structural value of your home resulting from renovations, extensions, or improvements, such as new rooms, patios, fitted kitchens, garage extensions, new swimming pools, or improved security walls. Ensures your policy covers the updated, higher rebuilding cost, preventing underinsurance if damages occur during or after construction.

Covers repairs or replacement of permanent fixtures damaged by a power surge. Up to R250 000 cover provided.

Covers the cost to repair or replace fixed machinery and systems, including electrical infrastructure, water systems, and built-in appliances, damaged by internal electrical or mechanical failure. Cover up to R15 000 is included, extended cover is available as an optional add-on.

Cover for temporary accommodation costs such as hotel or rental property, for you and your family if your home becomes uninhabitable following an insured event, including fire, flood, or severe storm. For landlords, it covers loss of rental income. Cover provided up to 25% of the total sum insured.

Additional geyser maintenance repair cover is provided as an optional extension at an additional cost.