Home Insurance | Home Owner & Sectional Title Insurance

Tailored Property Insurance for Your Home, Assets, and Community

Protecting your home is one of the most important investments you can make. At SBS, we offer a full range of Home Insurance solutions designed to safeguard your property, household contents, and unique structures like thatched roofs. Whether you own a standalone home, manage a sectional title, or are part of a body corporate, our specialised insurance coverage ensures that you’re fully protected against potential risks.

Comprehensive Protection for your Property

Owning a home comes with significant responsibilities, including ensuring that your property is adequately protected against unforeseen events. Our Home Insurance provides comprehensive coverage for your home and building, offering protection against risks such as fire, theft, and natural disasters. As a trusted provider of home insurance in South Africa, SBS ensures that your home is secure, allowing you to live with peace of mind.

Home & Building Insurance

Our home and building insurance covers the structure of your home, including any permanent fixtures and fittings, ensuring that your property is protected from damage caused by unexpected events. This coverage is essential for maintaining the value and integrity of your home.

Homeowners Insurance

Homeowners Insurance is a critical safeguard for your most valuable asset—your home. This coverage protects the structure of your home and any permanent fixtures against potential risks such as fire, theft, vandalism, and natural disasters. Whether you own a standalone house or are part of a larger community, SBS's Homeowners Insurance ensures that your property is fully protected, offering you peace of mind and financial security. With our tailored insurance solutions, you can rest easy knowing that your home and everything within it are well-protected against unforeseen events

Thatched Roof Insurance

Homes with thatched roofs require specialised coverage due to the higher risks associated with this type of structure. SBS offers thatched roof insurance as part of our comprehensive property insurance solutions, ensuring that your thatched home is fully protected against fire, weather damage, and other potential hazards.

Body Corporate & Sectional Title Insurance

For those involved in managing sectional titles or part of a body corporate, it’s crucial to have insurance that covers shared spaces and communal property. SBS provides Sectional Title & Body Corporate Insurance that offers protection for these areas, ensuring that all owners within the complex are financially secure. This insurance also includes fidelity cover, which safeguards against financial losses due to fraud or dishonesty within the association.

Fidelity Cover

Fidelity Cover provides essential protection against financial losses resulting from fraud, theft, or dishonesty within a homeowners association or body corporate. This coverage safeguards the financial integrity of your community, ensuring that funds intended for property maintenance, shared facilities, or other communal needs are protected from misuse. With SBS's Fidelity Cover, you can have peace of mind knowing that your association's finances are secure, allowing you to focus on managing your property effectively.

Household Insurance

In addition to covering the physical structure of your home, it’s equally important to protect your personal belongings. Our household insurance offers reliable coverage for the contents of your home, safeguarding items such as furniture, electronics, and personal valuables against theft, fire, and other risks.

Protect Your Home Today

Don’t leave your home unprotected. Whether you’re looking for comprehensive home insurance, property insurance, or specialized coverage for thatched roofs, SBS is here to provide the solutions you need. Contact us today to explore the best insurance options for your home and property.

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WHY CHOOSE SPECIALISED BROKER SERVICES

Your Trusted Insurance Advisor for Home Owners

Decades of Experience

With over 40 years in the insurance industry, SBS brings unparalleled expertise to every client interaction. Our deep understanding of the market ensures that you receive the most comprehensive and effective coverage available.

Tailored Solutions for Home Owners

Whether you need insurance for a standalone home, sectional title, or a property with a thatched roof, SBS offers customized insurance solutions that provide the exact coverage you need.

Comprehensive Property Insurance

From home and building insurance to specialised coverage for thatched roofs, SBS provides all-encompassing protection that ensures your home and assets are secure.

Experts in Home Insurance

With years of experience in providing home insurance in South Africa, SBS understands the unique challenges faced by homeowners and property managers, offering tailored solutions to meet your specific needs.

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Clients Served

Years of Expertise

FREQUENTLY ASKED QUESTIONS

Your Property Insurance Questions Answered

What is the difference between Homeowners Insurance and Household Insurance?

This is a crucial distinction. Homeowners Insurance (also called Building Insurance) protects the physical structure of your property—the walls, roof, geyser, and permanent fixtures—against risks like fire, storm damage, or flooding. Household Insurance (or Home Contents) protects your movable personal belongings inside the house, such as furniture, electronics, clothing, and jewellery, against risks like theft or fire. For complete protection, you need both.

My home has a unique feature like a thatched roof. Is it covered by standard property insurance?

Typically, no. Unique or high-risk features like thatched roofs are often excluded from standard property insurance policies due to their specialised risk profile. These require a specific Thatched Roof Insurance policy that is expertly underwritten to cover the increased fire and weather risks. It is vital to declare such features to ensure you have the correct and valid cover in place.

I live in a secure complex. Do I still need my own property insurance?

Yes, you do. The insurance held by your Body Corporate or Homeowners Association covers the building’s structure and all shared or common property. However, it provides absolutely no cover for your personal possessions. You still need your own Household Insurance policy to protect everything you own inside your unit from theft, fire, or other damages.

How can I be sure I have insured my home and belongings for the correct value?

To avoid being underinsured, it is essential to insure for the full replacement value, not the market value. For your building, this is what it would cost to completely rebuild your home from the ground up, including professional fees. For your household contents, you should calculate what it would cost to buy every single item brand new today. We recommend reviewing these values annually to account for inflation and new purchases.

What are the most common claims, and how can our Body Corporate avoid them?

The most frequent claims under Sectional Title Insurance arise from geyser failures, storm damage, burst pipes, and roof leaks. Many of these issues can be mitigated with proactive management. Implementing a regular maintenance schedule, conducting professional building valuations to avoid underinsurance, and educating residents are key steps to reduce risk. For more detailed strategies, we highly recommend reading our guide on How to Avoid Sectional Title Insurance Claims.

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