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BUILDING

INSURANCE.

Let us help you find the BEST insurance for your Buildings.

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QUESTIONAIRE

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    About you
    Read me
    If you have been referred through an agent please make sure you add the Agent Code here for you to enjoy any further benefits.
    We won't share your information with anyone unlawfully.
    We can't give you an accurate quote without knowing your ID or passport number.
    We can't give you an accurate quote without knowing your age. There are lots of risk factors affected by age. The younger you are, the more likely you are to go out at night than an older person, which means a little more risk for insurers.
    people
    MaleFemale
    XINIX needs to know your occupation because it tells us how much risk you face in your day-to-day life, and knowing these risks help us give you a more accurate quote.
    check
    Yes
    We can't give you a quote without your permission to do an ITC check. This is a requirement by all insurance companies in South Africa. A good ITC record will discount your premiums.
    assessment
    YesNo
    It is important to answer honestly as at a time of claim you would not want your claim to be rejected due to non-disclosure. This is a requirement to understand your affordability for insurance.
    checkroom
    YesNo
    Have you been sequestrated, it is important to answer honestly as at a time of claim you would not want your claim to be rejected due to non-disclosure. This is a requirement to understand your affordability for insurance.
    Your Address
    We need to know the risk address of the building which you would like to cover.
    Your Buildings
    how_to_reg
    YesNo
    We need to know if you are living on a single / double or more than double storey home.
    escalator
    YesNo
    functions

    We need to know how much it will cost you to replace your house if it were to be built from scratch. Please ensure that you select the correct sum insured amount as being under insured can affect you at claim stage. If you are under insured average will be applied and you will be paid out less than what you claimed for.
    When last did you do a revaluation on the house? This is important as the sum insured value you specify here will help make sure you value the property at the correct amount. This should be the value to rebuild the house in today's monetary terms.
    escalator
    YesNo
    Current finance company you are with.
    watch_later


    How old is the building?


    When did you move into the house?
    We need to know the type of roof construction was used for the roof.
    We need to know the type of roof construction was used for the roof.
    Type of floors that are used in the house, if it is mostly carpets or tiles, etc.
    water_damage

    How many geysers is there on the property.

    location_on
    InsideOutside
    chalet
    YesNo
    calculate

    How many metres away is the lapa or pool house with the Thatch is. This must be at least 5 meters away from the pool.

    maps_home_work
    YesNo
    maps_home_work
    DenExtra HouseGarden FlatLapaStorage RoomNone
    line_weight
    YesNo
    people
    YesNo
    people
    Main BuildingOut Building
    line_weight
    None of belowNear Informal SettlementWithin 100m of any body of waterNext to open Veld/Highway/SettlementBusiness PremisesNew Area with ongoing Building Activities
    Is anyone at home during the day?
    no_meeting_room
    YesNo
    no_meeting_room
    YesNo
    security
    Burglar Bars on all open windowsBurglar Bars on all non opening windowsSecurity Gates on all external doorLinked alarmLinked Alarm with Armed ResponseSliding doors with additional locksElectric Motors on GarageElectric Motors on Gates24h Security GuardNone of the aboveElectric fencing linked with No Armed ResponseElectric fencing linked with Armed ResponseElectric fencing not linked
    Yes
    Select accidental damage amount, this is in terms of accidentally damaging an item. Specify the maximum amount of cover for one event.
    Your Claims
    Currently Insured?
    Do you currently have insurance?
    Current insurer you are with.
    pending_actions
    YesNo
    Is this the first time you are taking out insurance?
    pending_actions
    YesNo
    Did you have cover for the last 39 days?
    pending_actions
    YesNo
    Did you have cover for the last 3 months?
    Any claims in the last 7 years?
    Claims in the last 7 years.
    What type of claim did you have?

    How many years have you not had a claim? So if you had a claim say on the 1st of June 2019, and today is the 1 January 2021 this means that you have only 1 year of no claims. You need to round down any years, so in this case you would be claim free for 1 and half years, so we have to round down to 1 year and never round up.
    When was the last time you claimed, how long ago did you have a claim?
    How many years have you not had a claim? So if you had a claim say on the 1st of June 2019, and today is the 1 January 2021 this means that you have only 1 year of no claims. You need to round down any years, so in this case you would be claim free for 1 and half years, so we have to round down to 1 year and never round up.
    Any Insurer Rejected Your Claim?
    Any insurer ever rejected your claim?
    Finish up
    Feel free to add any questions or notes or best dates or times to contact you so that we can address all your questions when we arrange for a face-to-face or online meeting.


    BUILDING INSURANCE

    FAQs

    Building Insurance

    What is Building Insurance

    Every day, your house is exposed to many potential risks, the effects of which can be devastating. We want to help you make sure your home is properly protected against unexpected events, such as a fire, explosion, storm, flood, lightning, burglary or theft. Building insurance covers the structures of your home and any fixtures or fittings that belong to you.

    I am renting a house from my landlord; do I need to take out building insurance?

    Building insurance is usually taken out by the owner of the property as if the building was damaged or destroyed it would be the owner that would suffer the damages.

    How do I valuate my house?

    The most accurate form of valuating your home is to hire a valuator to provide you with an estimate it would cost you to rebuild your home in today’s time. Please take note that you need to ensure you have adequate cover to rebuild your home in today’s time. If it cost you R1 000 000 to build your home 10 years ago, due to inflation the cost to rebuild it will be much higher than R1 000 000.

    If I buy a house, will it be compulsory to take out Building insurance?

    Most banks consider building insurance compulsory when granting you a loan as they need to ensure that in the event of any loss you will be adequately covered.

    Will my swimming pool be covered under the insurance?

    Yes, swimming pools will be covered under the insurance and in some instances even the swimming pumps is covered as well. It’s just the cleaning equipment for the pool that isn’t covered which can be covered under home contents.

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    What exactly is covered under building insurance?

    -Your house

    -Outbuildings

    -Driveways

    -Walls

    -Garages

    -Fences

    -Patios

    -Swimming pools

    -Tennis courts

    What will my premium be for building insurance?

    Your premium is dependent on the type, amount and area of your property as well as your own personal profile. There are no 2 people who could pay the exact same premium as everyone’s profiles are very different. The premiums are fairly competitive than when comparing to car insurance.

    Will my fixtures and fittings in the house be covered?

    Yes, fixtures and fittings form part of your home as it is attached and cannot be easily removed.

     

    The geyser in my house burst yesterday and caused the house to flood. My microwave and a few other appliances were damaged due to the burst geyser. Will my building insurance policy cover this loss?

    Unfortunately building insurance covers the house and fixtures and fittings, appliances will fall under home contents cover and you would need to take out separate contents cover to be covered for this type of loss.

    BUILDING INSURANCE

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