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Insurance Articles - Home Insurance South Africa

Insurance in South Africa is a very competitive market. Every insurance company you encounter is probably going to insist that they can offer you the same cover as the previous insurance company, but at a better rate. The fact of the matter is that there are a lot of deciding factors when it comes to calculating your monthly insurance premiums, and in order for the insurance company to provide you with an accurate quote, they will need to collect a great deal of your personal information. Home insurance in South Africa is exactly like this. Each insurance policy is unique to the individual who is seeking cover, and it is important to understand that your insurance premium may be different to your friends’ premiums as there are different factors that come into play.

When looking for home insurance in South Africa, you will need to provide the insurance broker with the following details:

  • Your ID number and full name : this is used to confirm your age and personal details
  • Physical address where the items you want to insure are located. Some areas are considered “high risk” and if you do not live in these areas, your insurance premiums will be lower than those who do.
  • The security at the abovementioned address. Details of whether you have burglar guards over both the opening and non-opening windows will allow the broker to ascertain if your property is high risk or not. Having a working alarm system in place, security gates on the doors and a lockable gate at your entrance will all work in favour of your premiums.
  • State of your property. If you stay in a wooden cabin and have a fire place…chances are, your premiums will be quite high. The same goes for houses that have thatched roofs. You can redeem this feature a little by having a fire house or fire extinguishers on the property.
  • List of possessions you wish to insure along with their values. This will help the broker calculate what the possible payout would be should your house be burgled or burn down etc. If you are fair and moderate with your item values, your premiums will reflect this.

Once the insurance broker has all this information, he or she will be able to calculate a fair monthly premium that will ensure that your valuable possessions are protected from theft (burglaries), damage through accidents or even injuries sustained to visitors who may be visiting your property. Be sure to ask the consultant as many questions as possible just to make sure that you have absolute peace of mind. You will want to know that you are paying for a service that is going to have a positive effect on your life.

African Independent Brokers would like to offer you unburdened insurance and are standing by to assist you in any way possible. African Independent Brokers – making home insurance in South Africa a pleasant experience for all!

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