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Building insurance

PER Insurance Building Insurance Product Detail

Get cover for structural damage caused by fire, storms, theft or burst geysers.

 

 

 

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 and landslip
  • Geyser maintenance, repairs and replacement
  • Call-out and first hour of labour are free for home assistance services
  • Legal help in disputes with domestic workers
  • Up to R 10 000 for CCMA settlement orders

Domestic workers’ compensation

  • Personal accident for full- or part-time domestic workers
  • R 15 000 in the event of accidental death or disablement

See our underwriters

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:

  • 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:

  • 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

We’re not liable for:

  • 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
 
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
  • What’s covered
  • Subsidence & landslip
  • Exclusions
  • What it costs
  • Structural damage caused by fire, storms, burst geysers or theft
  • Limited or full subsidence and landslip
  • Geyser maintenance, repairs and replacement
  • Call-out and first hour of labour are free for home assistance services
  • Legal help in disputes with domestic workers
  • Up to R 10 000 for CCMA settlement orders

Domestic workers’ compensation

  • Personal accident for full- or part-time domestic workers
  • R 15 000 in the event of accidental death or disablement

See our underwriters

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:

  • 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:

  • 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

We’re not liable for:

  • 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
 
  • 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
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