🛡️ Home Insurance Tips for South Africans
⚡Check if your policy covers power surge damage from loadshedding. Many claims are rejected because surge cover is a separate add-on, not automatic.
🌊Flood and storm damage cover varies a lot between insurers. If you're in a flood-prone area (KZN, parts of the Western Cape), read the fine print carefully.
🔒Most policies require "adequate security" (burglar bars, alarm, armed response) for full cover. Check your policy's specific requirements — non-compliance can void a claim.
📸Photograph and video your home contents room-by-room once a year. It's the easiest way to prove value in a claim and takes 15 minutes.
💰Review your sum insured every year — building costs and replacement values rise with inflation. Being underinsured means you pay a bigger portion of any claim.