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Building insurance
Your home is one of your biggest investments. Unexpected events such as fires, storms or burst geysers can cause costly structural damage and disrupt your life.
Building insurance helps protect the structure of your home against insured events, giving you greater peace of mind and helping you recover faster when the unexpected happens.
Get cover that suits your needs and helps protect the home you’ve worked for.
Some of the benefits
Home assistance
Cover your home for leaks, faults, broken windows, pest control and appliance repairs
Referral services
Get help finding services for your home, garden or pool, security, painting and decorating, and DIY info
UCount Rewards
As a member of UCount Rewards, 50 UCount tiering points are allocated each month to each qualifying insurance policy
What’s covered
- Structural damage caused by fire, storms, burst geysers or theft
- Limited or full subsidence (gradual sinking of land) and landslip
- Geyser replacements
- Call-out and first hour of labour are free for home assistance services
- Legal help in disputes with domestic workers
- Up to R10 000 for CCMA settlement orders
Domestic workers’ compensation
- Personal accident for full or part-time domestic workers
- R15 000 in the event of accidental death or disablement
Terms and conditions apply. Standard Bank Insurance Brokers (Pty) Ltd (Reg. No. 1978/002640/07) is an authorised financial services provider (FSP 224) and part of the Standard Bank Group.
We’re not liable for the following:
- Any work that's needed to prevent further destruction or damage from subsistence
- Heave or landslip, unless design precautions were taken during the original construction or during subsequent additions
Terms and conditions apply. Standard Bank Insurance Brokers (Pty) Ltd (Reg. No. 1978/002640/07) is an authorised financial services provider (FSP 224) and part of the Standard Bank Group.
Subsidence & landslip
You’re covered for destruction or damage caused by subsidence or heave of the land supporting the dwelling or landslip provided it isn’t caused by or doesn't arise from the following:
- Storm, rain, hail, wind, snow and flood
- Any excavation other than mining
- Alterations, additions or repairs to the dwelling
- Compaction of infill or consolidation of the soils
- Settlement, shrinking or expansion of the dwelling
Optional cover for full subsidence is available and can be extended to the following:
- Foundations and solid floor slabs up to ground level
- Swimming pools, tennis courts, patios, terraces, driveways, paths, septic or conservancy tanks, drains, water courses, walls, gates, posts and fences
Exclusions
- Structural defects or any pre-existing damage
- Wear and tear, rust and gradual deterioration
- Damage caused by pests or insects
- Loss, destruction or damage caused by defective workmanship, materials or design
- Cracks, unless resulting from an external cause which is not excluded
- Consequential or indirect loss of any kind including the unavailability of matching materials
- Any loss or damage where the cost of repairs or replacement is within the policy excess
What it costs
Premiums are based on the cover you choose and your risk profile.
How to Claim
Banking App
1. Sign in to the Banking App
2. Go to the ‘Insurance Tile’ on your app;
‘CLAIM’ will appear in the bottom right corner of the tile
3. Select ‘CLAIM’
4. Tap on the relevant policy
5. Accept the disclaimers
6. Follow the prompts to load your claim
Online Banking
1. Go to www.standardbank.co.za
2. Click on ‘Sign into your accounts’
3. Select ‘Insurance Online’
4. Sign in / If not yet registered, you will need to register after clicking on ‘Login’
5. Under the ‘My Insurance’ tab, select ‘My Claims’
6. Select ‘Policy’ to claim under
7. Select ‘New Claim’
8. Follow the prompts to load your claim
Or you can contact us on 0860 123 444 or send an email to [email protected]
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What’s covered
-
Subsidence & landslip
-
Exclusions
-
What it costs
-
How to Claim
- Structural damage caused by fire, storms, burst geysers or theft
- Limited or full subsidence (gradual sinking of land) and landslip
- Geyser replacements
- Call-out and first hour of labour are free for home assistance services
- Legal help in disputes with domestic workers
- Up to R10 000 for CCMA settlement orders
Domestic workers’ compensation
- Personal accident for full or part-time domestic workers
- R15 000 in the event of accidental death or disablement
Terms and conditions apply. Standard Bank Insurance Brokers (Pty) Ltd (Reg. No. 1978/002640/07) is an authorised financial services provider (FSP 224) and part of the Standard Bank Group.
We’re not liable for the following:
- Any work that's needed to prevent further destruction or damage from subsistence
- Heave or landslip, unless design precautions were taken during the original construction or during subsequent additions
Terms and conditions apply. Standard Bank Insurance Brokers (Pty) Ltd (Reg. No. 1978/002640/07) is an authorised financial services provider (FSP 224) and part of the Standard Bank Group.
You’re covered for destruction or damage caused by subsidence or heave of the land supporting the dwelling or landslip provided it isn’t caused by or doesn't arise from the following:
- Storm, rain, hail, wind, snow and flood
- Any excavation other than mining
- Alterations, additions or repairs to the dwelling
- Compaction of infill or consolidation of the soils
- Settlement, shrinking or expansion of the dwelling
Optional cover for full subsidence is available and can be extended to the following:
- Foundations and solid floor slabs up to ground level
- Swimming pools, tennis courts, patios, terraces, driveways, paths, septic or conservancy tanks, drains, water courses, walls, gates, posts and fences
- Structural defects or any pre-existing damage
- Wear and tear, rust and gradual deterioration
- Damage caused by pests or insects
- Loss, destruction or damage caused by defective workmanship, materials or design
- Cracks, unless resulting from an external cause which is not excluded
- Consequential or indirect loss of any kind including the unavailability of matching materials
- Any loss or damage where the cost of repairs or replacement is within the policy excess
Premiums are based on the cover you choose and your risk profile.
Banking App
1. Sign in to the Banking App
2. Go to the ‘Insurance Tile’ on your app;
‘CLAIM’ will appear in the bottom right corner of the tile
3. Select ‘CLAIM’
4. Tap on the relevant policy
5. Accept the disclaimers
6. Follow the prompts to load your claim
Online Banking
1. Go to www.standardbank.co.za
2. Click on ‘Sign into your accounts’
3. Select ‘Insurance Online’
4. Sign in / If not yet registered, you will need to register after clicking on ‘Login’
5. Under the ‘My Insurance’ tab, select ‘My Claims’
6. Select ‘Policy’ to claim under
7. Select ‘New Claim’
8. Follow the prompts to load your claim
Or you can contact us on 0860 123 444 or send an email to [email protected]
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We also offer
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How much do you value the contents of your home? A burglary, fire or storm could take it all away. Let us help you protect all your hard work with the right cover that suits your needs.