Building Insurance
Want to Know a little about Building Insurance? Let us tell you.
Building Insurance protects property owners against damage to the physical structure of their home caused by events like fire, storms, or vandalism.
We’re here to help you.
Building Insurance for your sanctuary
Your home is your sanctuary, where you unwind and feel secure. Yet, everyday risks can leave it vulnerable, with potentially devastating consequences if not properly protected.
We’re Passionate About Insurance Helping Clients Since 2012
Our company has been providing insurance solutions for over a decade, ensuring reliable coverage and customer satisfaction.
Comparative Quotes
We offer comparative insurance quotes, providing detailed analyses of cost, coverage benefits, and policy terms. This empowers you with the information you need to make informed decisions.
Expert Advice
Consulting with an experienced insurance broker ensures you receive personalised advice and comprehensive insights into coverage options that best suit your unique circumstances.
Comprehensive Building Insurance Solutions
When it comes to protecting your buildings, having comprehensive insurance is crucial. Trust us to provide the right coverage to safeguard your property from unexpected fire, explosion, flood, lightning, burglary, and theft.
Protecting both your home’s structure and its fixtures, ensuring peace of mind for you and your family. At XINIX, we provide a variety of customised solutions to meet your unique needs.
Some of the covers available
Fire & Explosion
Loss or damage caused by Theft
Wind, Hail, Flood or Snow
Earthquake
Liability to other parties
Loss or damage caused by impact of vehicles
*Some examples of what you are not covered for
No cover for fire & explosion if property illegally occupied or vacant
No cover for theft as there needs to be visible signs of forced entry
Lack of maintenance
Accidental flooding of property caused because you did not close a tap
*Check with us for more info on exclusions.
Get in touch with us today to learn more about the insurance solutions and discover how you can protect your operations better.
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Buildings
Building Insurance
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.
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
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