Build a solid foundation with a product you can trust
OUTsurance's buildings insurance (i.e. homeowners insurance) product takes care of any damage caused to your house or building that was caused by leaking water-heating systems or water pipes; acts of nature; explosion; subsidence; and fire. Speaking of, we'll even cover the cost of calling out the fire brigade and - just because we like spoiling you, we'll arrange temporary accommodation after this incident has left your house uninhabitable (for a maximum of 20% of the insured value).
You're also automatically covered for accidental damage of fixed glass and sanitary ware, as well as water, gas and electricy connections between your home and the public supplies.
Even if a claimable incident causes damage or loss to your building materials or fixtures and fittings during construction or alteration, we will provide cover.
Buildings insurance benefits
- You'll only pay a fixed excess - no matter how big or small your claim might be.
- Your premius is guaranteed for 12 months at a time - even if you claim.
- You'll enjoy 24/7 Help@OUT emergency home assistance - free of charge.
- You'll receive a cash OUTbonus after three consecutive claim-free years.
- You'll never be left under-insured - we make automatic inflation-linked adjustments.
- We do our best to process your claim as quickly as possible.
- We work closely with a list of awesome service providers to get you back on your feet as soon as possible.
Documents | Frequently Asked Questions
Our buildings insurance products
- Standard Buildings Insurance
We cover the structure, fixtures, fittings and improvements comprehensively, including damage caused by leaking, bursting or overflowing of water-heating systems and pressurised water pipes forming part of the building.
- Essential Buildings Insurance
If your building is not bonded and worth less than R200 000, Essential Buildings Insurance provides you with the perfect, low-cost alternative to standard buildings insurance. Read more about our essential buildings insurance product.
* If you're a business owner, you'd definitely want to check out buildings insurance for businesses.
Make room to add a few optional products
We put together a list of optional buildings insurance products that complements our standard product offering just perfectly. If you want to insure the personal items inside your home, please refer to our contents insurance package.
* click on subtitle heading for more information
The extended theft cover option provides you with peace of mind in that even if your home is unoccupied for more than 60 dyas at a time, you'll still enjoy insurance cover in case of theft.
You’ll enjoy insurance cover in cases where damage was caused to geysers or pipes due to wear and tear, rust, decay or even faulty workmanship. We’ll cover the costs to replace the geyser as well as its parts in full.
Receive full cover in case of downward movement of land caused by human activity; natural shifts, normal settlement, shrinkage or expansion of soil supporting the structure; as well as volume changes in clay-based soil caused by changes in moisture levels.
This optional product provides you with additional cover in cases where a veldfire causes damage to the structure of your building or any bodily injury.