Building Insurance
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Protect your home’s structure against fire, weather, theft, and more—with full replacement cover and essential extras.
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Building Insurance
Tailored protection for your property
Your home is one of your most valuable assets. At Capivest Financial Services, we offer Building Insurance designed to protect the physical structure of your private residence—along with all fixtures and fittings that belong to you as the homeowner. From fire and storm damage to burst pipes and break-ins, our cover ensures that your property is protected against life’s unexpected events.
What Is Covered
- Fire, lightning, explosion
- Storm, wind, hail, water, or snow
- Burst geysers, pipes, or water systems
- Impact damage (from vehicles, animals, falling trees, aircraft)
- Theft and burglary
- Malicious damage
Included Additional Cover (Standard)
- Debris removal
- Rent (if your home becomes uninhabitable)
- Glass and mirror breakage
- Professional fees & demolition
- Security guard call-out
Importance of Accurate Insured Values
Insured values must reflect the full replacement cost of your property. If it doesn’t, you may only be partially compensated in the event of a claim. This is known as the “average clause”. Example: If your home is worth R2,000,000 but insured for only R1,000,000, you’re 50% underinsured. A R200,000 claim will only be paid at 50%, resulting in a R100,000 payout.