Protecting Your Family
Is Our Family Business
Life insurance, short-term cover and investments — tailored personally for every South African family. Over 100 years of combined experience.
Your Protection Starts Here
PPS accredited broker for over 40 years
Join thousands of South African families who trust Horak Insurance Brokers for honest, personalised cover.
What We Cover
Insurance for Every Stage of Life
From your first car to your family home and retirement — we source the best solution from leading South African insurers.
Car Insurance
Comprehensive, third-party or basic cover — we compare across leading SA insurers to find you the best rate and most reliable cover on the road.
Learn more →Building Insurance
Protect your home's structure against fire, flood, storms and more. Your property is your biggest asset — make sure it's properly covered.
Learn more →House Contents
Everything inside your home matters. Our contents cover protects furniture, appliances and personal belongings against theft and damage.
Learn more →Individual Items
Jewellery, laptops, cameras and other valuables deserve dedicated cover. We arrange all-risk policies tailored to each specific item.
Learn more →Life Insurance
Ensure your loved ones are financially protected when they need it most. We find the right life cover for your budget and family situation.
Learn more →Investments
Grow your wealth with confidence. We help you navigate savings, unit trusts and investment plans that are aligned with your financial goals.
Learn more →Accredited with South Africa's leading insurers and investment providers
Our People
A Family You Can Rely On
When you call Horak Insurance Brokers, you speak to a real person who knows your name and your policy. Our team of experienced brokers takes genuine pride in looking after every client as if they were family.
"Let our family look after your family."
— The Horak Family, est. for generationsAJ Horak Sr.
Founder & Senior Broker- Started in insurance at Sanlam in 1969 as a tied agent
- Founded Horak Insurance Brokers in 1989 as an independent brokerage
- Specialising in the professional market
Sanet Horak-Moldenhauer
Short-Term Broker- Joined the brokerage in 1993
- Specialising in commercial and personal short-term insurance
AJ Horak Jr.
Wealth Advisor- Continuing AJ Snr's legacy since 1998
- Advising on retirement and estate planning
- Full needs analysis
Jenny Swanepoel
Head of Administration (Life Division)- Head of administration for the Life division since 1999
Poppy Nthloko
Short-Term Underwriting, Claims & Office Head- Joined the team in 2004
Belinda Horak Milner
Short-Term New Business Consultant- With the team since 2010
Carmen Grobler
Admin Assistant- Admin assistant to Jenny
- Joined the team in 2013
Why Horak
The Horak Difference
We've been doing this for generations. Here's what makes us different.
Personal Service
We Treat You Like Family, Not a Policy Number
At Horak Insurance Brokers we take time to understand your life, your risks and your budget — then recommend cover that actually fits. You'll always deal with the same broker who knows your history.
- ✓One dedicated broker assigned to your account
- ✓No call centres, no robots, no hold music
- ✓Available by phone, email and WhatsApp
Market Access
We Compare the Entire Market So You Don't Have To
As an independent broker, Horak Insurance Brokers is not tied to any single insurer. We have access to South Africa's leading insurers and can objectively find you the best product at the best price.
- ✓Access to Santam, Old Mutual, Discovery and more
- ✓Unbiased advice — we work for you, not the insurer
- ✓Annual reviews to ensure you're always on the best rate
Claims Support
When the Worst Happens, We Handle Everything
Claiming is stressful enough. When you need us most, Horak Insurance Brokers steps in to manage the entire claims process on your behalf — from first notification through to final settlement.
- ✓We notify the insurer and manage all paperwork
- ✓We advocate on your behalf for fair settlement
- ✓Regular updates throughout the process
Client Stories
Don't Just Take Our Word for It
Thousands of South African families have trusted Horak Insurance Brokers to protect what matters most.
Horak Insurance Brokers made the whole process so easy. I called on a Monday and had my life cover sorted by Wednesday. The personal touch is something you just don't get with the big banks.
When I had a claim after the hailstorm, Horak Insurance Brokers handled everything. I didn't have to fight with the insurer at all. Within three weeks my car was fixed. Exceptional service.
I've been a client for 12 years. They always find me the best rates and whenever I need to change something there's always a real person to speak to. I recommend them to everyone.
Get In Touch
Ready for a Free Quote?
Fill in the form and one of our brokers will be in touch. No obligation, no pressure — just honest advice.
Request a Free Quote
We'll be in touch within 1 hour