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Insurance for Buildings

Your house is more than just a building. It’s where you relax and spend time with the most important people in your life. It’s also one of the biggest assets you’ll ever own, so it’s worth protecting. At Budget, we understand how important your home is to you. That’s why we offer affordable Buildings Insurance quotes that protect your physical home from all kinds of damage.


Comprehensive Buildings Insurance


Every homeowner knows that a lot can go wrong in a house – and doesn’t it always seem to happen when you can least afford it? Our Buildings Insurance covers you for a wide range of eventualities so that, no matter what happens, you always have a home to return to.

We cover loss and damage caused by a range of natural occurrences such as fires, falling trees, floods, storms, and earthquakes, as well as damage from malicious actions, theft, and break-in. 

This cover extends to other structures on your property too, aside from your private home, including: 

  • Outbuildings like lapas, cottages, and garages

  • Swimming pool

  • Walls, gates, and fences

  • Tennis court

  • Permanent fixtures and fittings. For example, if you decide to include it in your policy, we’ll cover the cost of repairing or replacing your water-heating systems like geysers, solar panels, and boilers. 


You get a comprehensive homeowner’s liability cover which you can extend to R5 million, R10 million, or R20 million if you need to.

If you’re leasing your property and your tenants can’t stay there due to damage caused by something we cover, we’ll pay for a portion of the rent you were getting until they can move back in.

We even cover you if a vehicle crashes into your wall and we’ll post guards outside your home if your security is compromised and it takes a while to get the damage repaired.


Buildings Insurance Assist Benefits


Once you accept a Buildings Insurance quote with us, you automatically get some awesome Assist Benefits to help you out if you’re in a pickle at home.

Home Assist: Home emergencies can damage your building. That’s why we’ve included our Home Assist Benefit with our Buildings Cover, so that you get the help of electricians, plumbers, glaziers, and locksmiths as soon as possible if something goes wrong.

Our Assist Benefits also include Trauma Assist, Medical Assist, Legal Assist, and Entertainment Assist, all created so you can budget on getting help when you need it.


Buildings Insurance quotes


Before the inevitable goes wrong in your home, make sure you’re fully covered with Budget. Get an affordable Buildings Insurance quote online or leave your details and one of our friendly consultants will help you complete a quote in no time.

Buildings Insurance includes:

  • loss or damage caused by fire, lightning, explosion, earthquakes, the bursting or overflowing of geysers, equipment or pipes and storm or flood
  • damage caused by animals, vehicles and falling trees
  • malicious or intentional damage
  • break-in or theft
  • rent you lose, if your tenant has to vacate the buildings as a result of damage by (to) anything covered by the policy*
  • the option to increase your Homeowner Liability Cover to R5 million, R10 million or R20 million
  • automatically included Assist Benefits

 *These benefits are limited.

Terms and conditions apply. Click here for more information.