• Tel: +266 22313018 /52500404/5
  • Fax: +266 22310513

House Owners Insurance

Business Insurance

Whether you know it as home insurance, homeowners or building insurance Thaba-Bosiu Risk Solutions safeguards you in the event of damage to your home along with permanent structures on your property (such as garage and domestic staff quarters etc). We provide the protection that gives you the peace of mind to get out there and explore.

Home owners insurance covers the buildings of your private home and all outbuildings on your premises. This includes, fixtures, fittings, walls, gates, gate motors, intercom and security systems, fences, swimming pools (but not portable) ornamental ponds and fountains, borehole motors, underground pipes and cables, public supply connections, satellite dishes, aerials, antennae, air conditioning units, irrigation systems, solar heating systems, brick, tar and concrete driveways paths and patios on your premises.

How to calculate the sum insured: The sum insured should represent the rebuilding costs of all buildings and improvements on your property, including driveways, walls, extensions, swimming pools, etc. Items such as air conditioners, fitted carpets and eye-level ovens should also be included. Market value often differs significantly from rebuilding costs and is not the figure on which to base your insurance. Important note: In calculating the sum insured, provision should also be made for demolition costs, professional fees and public authority requirements.

Cover includes damage caused by fire, lightening, explosion, storm, wind, rain, hail, snow, water or earthquake. Bursting, leaking or overflowing of water or heating installations or pipes or geysers including damage to the heating installations, pipes or geysers. Accidental impact. Theft or attempted theft of fixtures and fittings in or on your building. Malicious damage caused to your building. Building cover excludes damage or destruction to retaining walls unless such property was erected in terms of architectural or engineering specifications.

Contact us on +266 2231 3018 /5250 0404/5 to speak to one of our brokers

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