Build a solid foundation with a product you can trust
With OUTsurance's buildings insurance product, also referred to as homeowners insurance, your house or building will be insured for loss or damage caused by acts of nature, fire, explosion and subsidence. Our buildings insurance package even covers damage caused by leaking water-heating systems and water pipes. We also cover damage caused by power surges at no extra cost!
If any claimable incidents cause loss or damage to your building materials or fixtures and fittings during construction or alteration, we will provide cover.
Oh, and by the way - we'll even cover the cost of calling out the fire brigade and arrange temporary accommodation after an incident has left your house uninhabitable (for a maximum of 20% of the OUTsured value) until it's fit to live in again.
However, if you want to insure your personal possessions inside your house, make sure to check out our contents insurance product.
Buildings insurance benefits
- Your excess remains fixed regardless of the value of your claim.
- Enjoy peace-of-mind, knowing that your premiums are guaranteed for 12 months, even if you submit a claim!
- Our claims team will process your claim faster than what you'd ever expect.
- Free Help@OUT emergency home assistance - 24 hours a day, 7 days a week.
- Receive a cash OUTbonus after three consecutive years of not claiming. We've already paid out more than R1 billion in cash to date.
- You have access to an approved list of service providers.
- Automatic inflation-linked adjustments are made to ensure that your building won't be under-insured.
- You're covered for accidental damage to fixed glass and sanitary ware as well as water, gas and electricity connections between your home and public supplies.
Documents | Frequently Asked Questions
Buildings insurance products up for grabs!
- Standard Buildings Insurance
We cover the structure, fixtures, fittings and improvements comprehensively, including damage caused by leaking, bursting or overflowing of water-heating systems and pressurised water pipes forming part of the building.
- Essential Buildings Insurance
ThThis low-cost alternative to our standard buildings insurance product provides cheap buildings insurance cover for buildings that are not bonded and are worth less than R200 000. Read more about our essential buildings insurance product.
* Business OUTsurance also provides buildings insurance for businesses.
Make room to add some of these great optional products
Why not add one or more of our great optional products to your buildings insurance cover?
* click on arrows to expand
Do you perhaps own a holiday home that will most likely (and sadly) be unoccupied for more than 60 days at a time? Apply for our extended theft cover to make sure that your home will be insured in case of theft.
Receive full cover against damage caused to geysers or pipes due to rust, decay, faulty workmanship or materials or wear and tear. OUTsurance will pick up the tab for repairing or replacing the geyser and its parts in full.
Receive full cover in case of any downward movement of land caused by natural shifts, human activity, volume changes in clay-based soil caused by changes in moisture levels, as well as normal settlement, shrinkage or expansion of soil supporting the structure.
This option provides cover against damage to your building or structure as well as bodily injury (up to R5 million) that was caused by the spreading of veldfires.