Comprehensive residential cover tailored to your property and possessions.
Home and contents insurance covers the house you live in and everything in it — against fire, theft, weather, burst pipes, and accidents. Most homeowners are either underinsured or insured for the wrong risks without realising, because the defaults were set years ago.
We structure cover that matches your actual rebuild cost and current possessions, with the fine-print extensions (geysers, power surge, portable items) that standard policies often leave out.
The structure itself — walls, roof, fixtures, fitted kitchens, pools, outbuildings — against fire, storm, theft, and accidental damage.
Everything inside the home — furniture, appliances, electronics, clothing, household goods — on a replacement-cost basis.
Jewellery, watches, laptops, cameras, bicycles, and mobile phones — covered worldwide, not just at home.
The two most common household claims, with specific wording that keeps excesses low.
Protection if a visitor is injured on your property or your pet damages someone's belongings.
Temporary housing costs if your home becomes uninhabitable after an insured event.
Buildings plus contents cover sized to actual rebuild and current valuation — not a five-year-old assumption.
Contents-only cover for tenants — the landlord's policy doesn't insure your possessions or your liability.
Unoccupied-property cover with the extensions needed for properties used part-time.
We analyse your risk profile in depth — exposures, loss history, contractual obligations, and strategic priorities — so the placement reflects your actual business, not a template.
We structure and negotiate terms across our panel of domestic and international insurers, selecting wordings and limits calibrated to the specific risks identified.
Through the life of the programme we manage renewals, mid-term changes, and claims — acting on your behalf in every conversation with the insurer.
Market value is what the house would sell for today. Replacement cost is what it would cost to rebuild it from scratch. They're almost never the same — and it's replacement cost that matters for insurance. Underinsurance happens mostly because owners use the wrong number.
Go room by room and estimate what it would cost to replace everything at today's retail prices — not what you paid. For most households this is 2–3× what they think. We provide a contents calculator at the quote stage to make this concrete.
Standard contents cover usually excludes items once they leave the property. For laptops, jewellery, bicycles, or anything else you carry, an all-risks (portable items) extension covers them worldwide. Either specified individually for high-value items or as a general sum.
Personal cover usually excludes business equipment, stock, and business-related liability. A home-business extension or a small commercial policy closes the gap — we scope this based on what the business actually involves.
Newly installed solar and battery systems are usually covered under buildings (if permanently fixed) but sums insured need updating — a typical installation adds R100k–R300k to rebuild cost. Portable generators are usually all-risks items. We flag this at every renewal now.
A named advisor will walk through your current cover, flag likely gaps, and outline where the market is pricing competitively.