Covers your physical structures
Building or Home Insurance as it is also known, covers the physical structure of your home and outbuildings, including electronic operated motor gates,
palisades, geyser, pavements and retaining walls (excluding any structure under construction).
What we cover
Come fire or hail
Bursting, leaking and overflowing of any water caring apparatus e.g. pipes, geysers and toilets
Any costs arising from damages caused by a failed theft incident or attempt
Falling objects e.g. tree or retaining wall
Fire, explosions, lightning and hail storms
Impact, e.g. car driving into home, wall or pool
All fixtures and fittings
Limited subsidence and landslip - the downward movement of soil, which can cause damage to your home
Personal liability - when someone gets injured in your home and wants to take legal action against you
Changing of keys and locks after a burglary
Damages done to appliances due to high power supplies following an outage or load shedding
Damages to landscaped garden after acts of nature
Increased water bill as a result of burst pipe (wear and tear excluded)
What's NOT covered
Swimming pool cleaning equipment
Vacant or non-occupied buildings (more than 60 consecutive days)
Holiday homes (where main building is not insured with FNB Insurance Brokers)
Business or rented out property (see our Business page)
Wear and tear
Keep a roof over your head
Rent and alternative accommodation is covered in the event where the owner is unable to live in the home while it is being repaired.
An injury benefit is also available covering medical expenses for guests, visitors and domestic workers (limits apply).
What it costs
As with any form of insurance, there are many factors that impact your risk profile and consequently, your premium.
Speak to one of our friendly agents by dialling 0860 328 328 (option 2) and they will provide you with a quote.
Getting it made easy
You need to own the insurable asset
South African ID book/card
Proof of residence (in your name, not older than 3 months)
FNB Insurance Brokers, a business unit of FNB Business, a division of FirstRand Bank Limited.
An authorised financial services and credit provider (NCRCP20) Registration No: 1929/001225/06 FSP Licence No: 20081
Terms and conditions apply
First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider 1929/001225/06 (NCRCP20).