Insurance
Compare Home Insurance Providers in South Africa
A home policy can cover the building, the contents, or both. The market value of the property is not the same figure as the cost of rebuilding it.
Premiums, excesses, contributions and cover depend on your circumstances and the policy or scheme rules. Confirm the final terms before you buy. Information checked 29 October 2026.
Compare providers
The provider name links to the WiT Money profile where one exists. The gold button opens the recorded website. It is not a quote and not an application.
6 of 6 products, in provider name order. A missing premium, contribution or excess is not shown as zero, and nothing is ranked as cheapest. A filter matches the published line. It does not decide that you qualify.
Auto & GeneralHome Insurance cover / quote
Insurer / brand / intermediary. Confirm which company issues the policy.
- Premium
- Personalised quotation. A premium is not printed on this card.
- Excess
- Confirm the excess on the quote and the policy schedule.
Underwriter or legal entity. Brand / distribution; verify issuer in policy
What the product line describes. Combined residential building and household contents arrangements where available; check what is included
Advantages
- Motor and home options including selected higher-limit plans
- Official premium cover materials describe optional add-ons
Considerations
- Bundled buildings and contents may be separate sections, not automatically included
- Underinsurance, maintenance and security exclusions can materially reduce claims
Notes checked 29 October 2026. A benefit is confirmed only when the policy schedule includes it. A missing limit is not R0.
Discovery InsureHome Insurance cover / quote
Insurer / brand / intermediary. Confirm which company issues the policy.
- Premium
- Personalised quotation. A premium is not printed on this card.
- Excess
- Confirm the excess on the quote and the policy schedule.
Underwriter or legal entity. Confirm the legal insurer on the policy schedule.
What the product line describes. Combined residential building and household contents arrangements where available; check what is included
Advantages
- Car, buildings and contents offering across plan levels
- Home cover provides home-assistance and valuables options on selected plans
Considerations
- Bundled buildings and contents may be separate sections, not automatically included
- Underinsurance, maintenance and security exclusions can materially reduce claims
Notes checked 29 October 2026. A benefit is confirmed only when the policy schedule includes it. A missing limit is not R0.
Momentum InsureHome Insurance cover / quote
Insurer / brand / intermediary. Confirm which company issues the policy.
- Premium
- Personalised quotation. A premium is not printed on this card.
- Excess
- Confirm the excess on the quote and the policy schedule.
Underwriter or legal entity. Momentum insurance group; confirm contracting insurer
What the product line describes. Combined residential building and household contents arrangements where available; check what is included
Advantages
- Official car, building and contents quote information
- Select cover has optional extensions and emergency assistance features
Considerations
- Bundled buildings and contents may be separate sections, not automatically included
- Underinsurance, maintenance and security exclusions can materially reduce claims
Notes checked 29 October 2026. A benefit is confirmed only when the policy schedule includes it. A missing limit is not R0.
- Naked. No official logo is shown.Naked
Home Insurance cover / quote
Insurer / brand / intermediary. Confirm which company issues the policy.
- Premium
- Personalised quotation. A premium is not printed on this card.
- Excess
- Confirm the excess on the quote and the policy schedule.
Underwriter or legal entity. Platform/brand; official site states Hollard Specialist Insurance underwriting
What the product line describes. Combined residential building and household contents arrangements where available; check what is included
Advantages
- Digital quote, policy management and claims
- Officially describes car, buildings and contents cover
Considerations
- Bundled buildings and contents may be separate sections, not automatically included
- Underinsurance, maintenance and security exclusions can materially reduce claims
Notes checked 29 October 2026. A benefit is confirmed only when the policy schedule includes it. A missing limit is not R0.
OUTsuranceHome Insurance cover / quote
Insurer / brand / intermediary. Confirm which company issues the policy.
- Premium
- Personalised quotation. A premium is not printed on this card.
- Excess
- Confirm the excess on the quote and the policy schedule.
Underwriter or legal entity. OUTsurance Insurance Company Limited identified in official documents
What the product line describes. Combined residential building and household contents arrangements where available; check what is included
Advantages
- Official product document library covers motor and home
- Direct-to-consumer quote and servicing options
Considerations
- Bundled buildings and contents may be separate sections, not automatically included
- Underinsurance, maintenance and security exclusions can materially reduce claims
Notes checked 29 October 2026. A benefit is confirmed only when the policy schedule includes it. A missing limit is not R0.
SantamHome Insurance cover / quote
Insurer / brand / intermediary. Confirm which company issues the policy.
- Premium
- Personalised quotation. A premium is not printed on this card.
- Excess
- Confirm the excess on the quote and the policy schedule.
Underwriter or legal entity. Licensed insurer / insurer group; confirm exact issuer
What the product line describes. Combined residential building and household contents arrangements where available; check what is included
Advantages
- Multi-line personal insurance brochure describes motor and property cover
- Broad building and household contents risk categories
Considerations
- Bundled buildings and contents may be separate sections, not automatically included
- Underinsurance, maintenance and security exclusions can materially reduce claims
Notes checked 29 October 2026. A benefit is confirmed only when the policy schedule includes it. A missing limit is not R0.
Compare selected products
Choose up to three from this page. A missing benefit is not treated as excluded. Confirm it in the wording.
No products selected.
Not shown as a current product
- MiWay. Home Insurance cover / quote. Confirm with the provider before treating it as available.
- King Price. Home Insurance cover / quote. Confirm with the provider before treating it as available.
- Budget Insurance. Home Insurance cover / quote. Confirm with the provider before treating it as available.
- Old Mutual Insure. Home Insurance cover / quote. Confirm with the provider before treating it as available.
- Hollard. Home Insurance cover / quote. Confirm with the provider before treating it as available.
- Absa Insurance. Home Insurance cover / quote. Confirm with the provider before treating it as available.
- FNB Insurance. Home Insurance cover / quote. Confirm with the provider before treating it as available.
Estimate with your own figures
Type the amounts you want to test. The result uses those amounts only. It does not fetch a quote, and it does not decide a claim.
How to read this comparison
Buildings cover and contents cover can be bought together or separately. A combined brochure is not proof that both sections are on your schedule. Theft, fire, storm and accidental damage each have their own conditions, including security and how long the home can stand empty.
Underinsurance means the sum insured is below the cost of replacing what was lost. An average clause can then reduce a claim. The selling price of the house is not the rebuilding cost.
Buildings insurance covers the structure. Household contents insurance covers what you would take if you moved. A body corporate or the bank may insure the building. They do not insure your sofa, your laptop or the clothes in the cupboard.
This page is the overview. The buildings and contents pages split the contracts. Underinsurance is the shared problem: if you insure for less than the replacement cost, a claim can be scaled down.
How the cover works
Who insures the building
In a freehold house, you usually insure the building, and the bank will insist if there is a bond. In a sectional title scheme, the body corporate insures the building. You still need contents cover, and sometimes cover for improvements the body corporate policy does not include.
Replacement cost
Buildings should be insured for rebuilding cost, not the market price and not the municipal value. Contents should be insured for new replacement, if that is what the policy says, including clothes, linen and the garage.
Security
Burglar bars, gates and alarms are often warranties. If the policy required an alarm to be on and it was not, the claim can fail.
What to check
Buildings sum insured
Rebuild cost, reviewed when you renovate.
Contents sum insured
A room-by-room total, not a guess.
All-risk items
Phones, laptops and jewellery often need to be specified.
Excess and exclusions
Flood, subsidence, wear and tear, and vacant homes.
Risks
- Insuring the building for the price you paid for the property.
- Assuming the body corporate covers your contents.
- A vacant house over December without telling the insurer.
Claims and complaints
Report a claim to the insurer, scheme or administrator named on your documents, in the way the policy or scheme rules describe. WiT Money does not decide the claim. If you have complained to that organisation and you are still not satisfied, the National Financial Ombud Scheme handles certain financial complaints, and the Council for Medical Schemes handles medical scheme complaints. Take the policy schedule, the rejection letter and the claim documents with you.
How WiT Money compares these products
Products stay in provider name order. A car excess, a funeral benefit, a medical scheme contribution and a pet plan are not sorted against one another. Nothing is ranked as the cheapest. A listed name is not a recommendation, and WiT Money does not sell the policy. Where this site has the provider's logo, it is shown. Otherwise the name is shown without a mark. An FSP number or a scheme registration number is not printed unless the recorded page already states it, and it is not a register check by WiT Money.
Questions readers ask
Does my bond include insurance?
The bank requires buildings cover and may add a policy if you do not give them one. That policy is not contents cover, and you should check the sum insured rather than assume it is right.
What is underinsurance?
If you insure contents for half their replacement cost, the insurer can apply average and pay only part of a claim. The wording explains the calculation.
Are floods covered?
Only if the policy says so. Some events are standard, some are optional, and some are excluded. Read the wording for your area.
Related products
Guides
Other insurance pages
Sources
Page updated 29 October 2026. A source date is the day WiT Money checked that page, not a promise the institution has not changed it since.
- Financial Sector Conduct Authority
Financial Sector Conduct Authority · checked 28 October 2026
- SASRIA
SASRIA SOC Ltd · checked 29 October 2026
- National Financial Ombud Scheme South Africa
National Financial Ombud Scheme South Africa · checked 29 October 2026