Buildings combined insurance

The king's got your properties covered

In a nutshell

  • Alterations and misdescription.
  • Architects and other professional fees.
  • Capital additions.
  • Demolition and clearing costs.
  • Deterioration of foodstuffs.
  • Dye-lots, colours, patterns and textures.
  • External signs, blinds, canopies, gate motors, borehole and pool pump machinery and equipment.
  • Fire extinguishing charges.
  • Gardens, garden furniture and water features.
  • Limitations: Money and stamps (up to the maximum stated on your policy schedule), documents, manuscripts, plans, business books, designs, patterns, models and moulds, computer systems records and media.
  • Loss of water.
  • Malicious damage.
  • Mortgagee clause.
  • Municipal plans scrutiny fees.
  • Obsolete items.
  • Prevention of access (only applicable to rent).
  • Property removed temporarily.
  • Public authorities' requirements.
  • Railway and other subrogation clause.
  • Reinstatements and replacements.
  • Removal of fallen trees.
  • Security firms (only applicable to legal liability).
  • Security costs.
  • Tenants' clause.
  • Bursting or overflowing of geysers and water pipes.
  • Documents connected to your business or for which you're responsible.
  • Escalation.
  • Fidelity guarantee.
  • Geyser and water pipes wear and tear.
  • Locks and keys.
  • Money.
  • Office contents.
  • Power surges.
  • Riots and strikes.
  • Subsidence and landslip.
  • Trustees' indemnity.