Building Insurance

Protect Your Biggest Asset

Your home is likely your largest financial asset. Horak Insurance Brokers makes sure it's properly covered against fire, flood, storm damage and more — at a premium that makes sense.

Get a Free Quote011 433 0201

What is Building Insurance?

Building insurance covers the physical structure of your home — the bricks, mortar, roof, walls, fixtures and permanent fittings. If your home is damaged or destroyed by fire, storms, flooding or other insured events, your building insurance pays for repairs or rebuilding.

If you have a bond, your bank likely requires you to have building insurance — but the insurance they offer through their group scheme isn't always the best value. As an independent broker, Horak Insurance Brokers can often find you better cover at a lower premium.

What's Covered

Fire & Lightning

Cover for damage caused by fire, lightning strikes and explosions.

Storm & Flood

Protection against hailstorms, wind damage, flooding and burst pipes.

Theft & Malicious Damage

Repairs to fixtures damaged during a break-in or attempted theft.

Geyser Bursts

Cover for damage caused by burst geysers — a common claim in South Africa.

Subsidence & Landslide

Protection against ground movement that damages your home's structure.

Public Liability

Covers you if someone is injured on your property and holds you responsible.

Why Use a Building Insurance Broker?

✓Independent advice — we're not tied to your bank's preferred insurer
✓We make sure your sum insured is correct — under-insurance is a costly mistake
✓We help you understand what's covered and what isn't
✓We manage claims on your behalf — speeding up the process
✓Annual reviews ensure your cover keeps pace with rising rebuild costs

Get Your Free Building Insurance Quote Today

Serving clients across all of South Africa. Based at 28 Lebombo Street, Winchester Hills, Johannesburg. Call us on 011 433 0201 or request a free quote and we'll be in touch.

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