Home insurance

  • Free Help@OUT emergency assistance
  • Premiums guaranteed for 12 months
  • Low fixed excesses
  • Quick claims turnaround
  • Awesome service

Buildings insurance

Build a solid foundation with a product you can trust

OUTsurance's buildings insurance (i.e. homeowners insurance) product takes care of any damage caused to your house or building that was caused by leaking water-heating systems or water pipes, acts of nature, explosion, subsidence, and fire. Speaking of, we'll even cover the cost of calling out the fire brigade and - just because we like spoiling you, we'll arrange temporary accommodation after an incident has left your house uninhabitable (for a maximum of 20% of the insured value).

You're also automatically covered for accidental damage of fixed glass and sanitary ware, as well as water, gas and electricity connections between your home and the public supplies. 

Even if a claimable incident causes damage or loss to your building materials or fixtures and fittings during construction or alteration, we will provide cover.

Benefits that hit home

We understand that your home is an extension of you so we’ve made it our mission to go all out to make sure your home receives the best cover possible. We've also made sure that our home insurance product includes access to our free Help@OUT emergency home assistance. 

More about home insurance benefits

Our buildings insurance products

  • 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 
    If your building is not bonded and worth less than R200 000, essential buildings insurance provides you with the perfect, low-cost alternative to standard buildings insurance. Read more about our essential buildings insurance product.

* If you're a business owner, check out buildings insurance for businesses.

Make room to add a few optional products

We put together a list of optional buildings insurance products that complements our standard product offering just perfectly. If you want to insure the personal items inside your home, please refer to our contents insurance package.

Extended theft cover for unoccupied buildings

The extended theft cover option provides you with peace of mind in that even if your home is unoccupied for more than 60 days at a time, you'll still enjoy insurance cover in case of theft.

Pipes and water-heating systems wear-and-tear

You’ll enjoy insurance cover in cases where damage was caused to geysers or pipes due to wear and tear, rust, decay or even faulty workmanship. We’ll cover the costs to replace the geyser as well as its parts in full.

Comprehensive subsidence cover

If you select comprehensive subsidence cover, you'll receive full cover in case of downward movement of all soil types resulting from natural shifts or human activity that causes structural damage to your property, subject to the buildings foundations and construction being designed and approved by a licensed structural engineer. Kindly note that you will unfortunately not receive cover for damage caused by excavations other than by mining activities. 

Veldfires liability

This optional product provides you with additional cover in cases where a veldfire caused damage to the structure of someone else's building or any bodily injury to a third party.