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Building Insurance

Want to Know a little about Building Insurance? Let us tell you.

Building Insurance protects property owners against damage to the physical structure of their home caused by events like fire, storms, or vandalism.

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Building Insurance for your sanctuary

Your home is your sanctuary, where you unwind and feel secure. Yet, everyday risks can leave it vulnerable, with potentially devastating consequences if not properly protected.

We’re Passionate About Insurance Helping Clients Since 2012 

Our company has been providing insurance solutions for over a decade, ensuring reliable coverage and customer satisfaction.
About Us
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Comparative Quotes

We offer comparative insurance quotes, providing detailed analyses of cost, coverage benefits, and policy terms. This empowers you with the information you need to make informed decisions.

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Expert Advice

Consulting with an experienced insurance broker ensures you receive personalised advice and comprehensive insights into coverage options that best suit your unique circumstances.

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Building Insurance

Comprehensive Building Insurance Solutions

When it comes to protecting your buildings, having comprehensive insurance is crucial. Trust us to provide the right coverage to safeguard your property from unexpected fire, explosion, flood, lightning, burglary, and theft.

Protecting both your home’s structure and its fixtures, ensuring peace of mind for you and your family. At XINIX, we provide a variety of customised solutions to meet your unique needs. 

Some of the covers available 

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Fire & Explosion

N

Loss or damage caused by Theft

N

Wind, Hail, Flood or Snow

N

Earthquake

N

Liability to other parties

N

Loss or damage caused by impact of vehicles

*Some examples of what you are not covered for

N

No cover for fire & explosion if property illegally occupied or vacant

N

No cover for theft as there needs to be visible signs of forced entry

N

Lack of maintenance

N

Accidental flooding of property caused because you did not close a tap

*Check with us for more info on exclusions.

Get in touch with us today to learn more about the insurance solutions and discover how you can protect your operations better.

Building Insurance

Why not tell us what you want to insure

Tired of long insurance telephone calls?? By completing this form, we will fast track the process. Saves you at least 10 minutes instead on being on a call. Come on you are a digital person, right?

    About you






    Read me If you have been referred through an agent please make sure you add the Agent Code here for you to enjoy any further benefits.























    We won't share your information with anyone unlawfully.









    We can't give you an accurate quote without knowing your ID or passport number.






    We can't give you an accurate quote without knowing your age. There are lots of risk factors affected by age. The younger you are, the more likely you are to go out at night than an older person, which means a little more risk for insurers.

    people


    MaleFemale
















    XINIX needs to know your occupation because it tells us how much risk you face in your day-to-day life, and knowing these risks help us give you a more accurate quote.

    check


    Yes


    We can't give you a quote without your permission to do an ITC check. This is a requirement by all insurance companies in South Africa. A good ITC record will discount your premiums.

    assessment


    YesNo


    It is important to answer honestly as at a time of claim you would not want your claim to be rejected due to non-disclosure. This is a requirement to understand your affordability for insurance.


    checkroom


    YesNo


    Have you been sequestrated, it is important to answer honestly as at a time of claim you would not want your claim to be rejected due to non-disclosure. This is a requirement to understand your affordability for insurance.

    Your Address





    We need to know the risk address of the building which you would like to cover.

















    Your Buildings


    how_to_reg


    YesNo

















    We need to know if you are living on a single / double or more than double storey home.


    escalator


    YesNo



    functions



    We need to know how much it will cost you to replace your house if it were to be built from scratch. Please ensure that you select the correct sum insured amount as being under insured can affect you at claim stage. If you are under insured average will be applied and you will be paid out less than what you claimed for.






    When last did you do a revaluation on the house? This is important as the sum insured value you specify here will help make sure you value the property at the correct amount. This should be the value to rebuild the house in today's monetary terms.


    escalator


    YesNo







    Current finance company you are with.


    watch_later


    How old is the building?






    When did you move into the house?






    We need to know the type of roof construction was used for the roof.










    We need to know the type of roof construction was used for the roof.










    Type of floors that are used in the house, if it is mostly carpets or tiles, etc.


    water_damage


    How many geysers is there on the property.


    location_on


    InsideOutside



    chalet


    YesNo



    calculate


    How many metres away is the lapa or pool house with the Thatch is. This must be at least 5 meters away from the pool.


    maps_home_work


    YesNo


    maps_home_work

    DenExtra HouseGarden FlatLapaStorage RoomNone


    line_weight


    YesNo



    people


    YesNo



    people


    Main BuildingOut Building



    line_weight

    None of belowNear Informal SettlementWithin 100m of any body of waterNext to open Veld/Highway/SettlementBusiness PremisesNew Area with ongoing Building Activities






    Is anyone at home during the day?


    no_meeting_room


    YesNo



    no_meeting_room


    YesNo



    security

    Burglar Bars on all open windowsBurglar Bars on all non opening windowsSecurity Gates on all external doorLinked alarmLinked Alarm with Armed ResponseSliding doors with additional locksElectric Motors on GarageElectric Motors on Gates24h Security GuardNone of the aboveElectric fencing linked with No Armed ResponseElectric fencing linked with Armed ResponseElectric fencing not linked



    Yes






    Select accidental damage amount, this is in terms of accidentally damaging an item. Specify the maximum amount of cover for one event.

    Your Claims



    Currently Insured?


    Do you currently have insurance?





    Current insurer you are with.











    pending_actions


    YesNo


    Is this the first time you are taking out insurance?


    pending_actions


    YesNo


    Did you have cover for the last 39 days?


    pending_actions


    YesNo


    Did you have cover for the last 3 months?



    Any claims in the last 7 years?


    Claims in the last 7 years.









    What type of claim did you have?











    How many years have you not had a claim? So if you had a claim say on the 1st of June 2019, and today is the 1 January 2021 this means that you have only 1 year of no claims. You need to round down any years, so in this case you would be claim free for 1 and half years, so we have to round down to 1 year and never round up.






    When was the last time you claimed, how long ago did you have a claim?






    How many years have you not had a claim? So if you had a claim say on the 1st of June 2019, and today is the 1 January 2021 this means that you have only 1 year of no claims. You need to round down any years, so in this case you would be claim free for 1 and half years, so we have to round down to 1 year and never round up.



    Any Insurer Rejected Your Claim?


    Any insurer ever rejected your claim?




    Finish up






















    Feel free to add any questions or notes or best dates or times to contact you so that we can address all your questions when we arrange for a face-to-face or online meeting.







    Reasons why you should deal with us.
    N

    Expert Advise

    N

    Personalised Service

    N

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    Browse FAQ Categories

    Buildings

    Building Insurance

    I am renting a house from my landlord; do I need to take out building insurance?

    Building insurance is usually taken out by the owner of the property as if the building was damaged or destroyed it would be the owner that would suffer the damages.

    How do I valuate my house?

    The most accurate form of valuating your home is to hire a valuator to provide you with an estimate it would cost you to rebuild your home in today’s time. Please take note that you need to ensure you have adequate cover to rebuild your home in today’s time. If it cost you R1 000 000 to build your home 10 years ago, due to inflation the cost to rebuild it will be much higher than R1 000 000.

    If I buy a house, will it be compulsory to take out Building insurance?

    Most banks consider building insurance compulsory when granting you a loan as they need to ensure that in the event of any loss you will be adequately covered.

    Will my swimming pool be covered under the insurance?

    Yes, swimming pools will be covered under the insurance and in some instances even the swimming pumps is covered as well. It’s just the cleaning equipment for the pool that isn’t covered which can be covered under home contents.

    Want to check out the Inventory Form?

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    What exactly is covered under building insurance?

    -Your house

    -Outbuildings

    -Driveways

    -Walls

    -Garages

    -Fences

    -Patios

    -Swimming pools

    -Tennis courts

    What will my premium be for building insurance?

    Your premium is dependent on the type, amount and area of your property as well as your own personal profile. There are no 2 people who could pay the exact same premium as everyone’s profiles are very different. The premiums are fairly competitive than when comparing to car insurance.

    Will my fixtures and fittings in the house be covered?

    Yes, fixtures and fittings form part of your home as it is attached and cannot be easily removed.

     

    The geyser in my house burst yesterday and caused the house to flood. My microwave and a few other appliances were damaged due to the burst geyser. Will my building insurance policy cover this loss?

    Unfortunately building insurance covers the house and fixtures and fittings, appliances will fall under home contents cover and you would need to take out separate contents cover to be covered for this type of loss.

    What is Building Insurance

    Every day, your house is exposed to many potential risks, the effects of which can be devastating. We want to help you make sure your home is properly protected against unexpected events, such as a fire, explosion, storm, flood, lightning, burglary or theft. Building insurance covers the structures of your home and any fixtures or fittings that belong to you.

    Our Client Education Quizzes

    Think you can out smart these questions?? Hmm, let’s see if you can?

    Insurance 101

    Insurance 201

    Life Insurance 101

    Fun

    0%
    1 votes, 5 avg
    11

    Personal Insurance Quiz 101

    10 Quick, easy home and car insurance quiz questions to help you unlock how it works by increasing your knowledge.

    1 / 10

    What are fixtures and fittings under building cover?

    2 / 10

    When can I use my car hire benefit on my policy?

    3 / 10

    Why would an insurer reject my claim?

    4 / 10

    What is the purpose of a broker?

    5 / 10

    Why do I need car insurance?

    6 / 10

    How long do I have to report an accident to the police to claim for insurance?

    7 / 10

    What does average mean for a home contents claim?

    8 / 10

    With vehicle insurance, do I generally have to pay extra when I use roadside assistance?

    9 / 10

    What type of cover do I need to take out for vehicle for mechanical and electric breakdown?

    10 / 10

    Why does my premium go up if the value of my car should be depreciating?

    Your score is

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    1 votes, 5 avg
    2

    Personal Insurance Quiz 201 - Intermediate

    10 Intermediate level, random quick, easy home and car insurance quiz questions to help you unlock how it works by increasing your knowledge.

    1 / 10

    What happens if I had a burglary at my home 2 years ago and I didn’t tell my current insurer about it when I took out home contents cover?

    2 / 10

    What is SASRIA cover?

    3 / 10

    What is an additional excess?

    4 / 10

    What happens if I decide to cancel my vehicle insurance and self insure?

    5 / 10

    Does my marital status really affect my vehicle insurance premium?

    6 / 10

    I have contents and building insurance with A Insurers and I am covered for R1 000 000 for my building and R250 000 for my contents cover.

    I have a zero excesses on both covers. After validating my claim due to a fire, I am advised that I am under insured for both my contents and building.

    The replacement value for my building is R2 500 000 and my contents is R325 000. How much will I be paid out?

    7 / 10

    What is the function and purpose of insurance?

    8 / 10

    Why is it important to know about my past insurance and claims when I am taking out insurance?

    Under insurance is calculated using average. Average is calculated using the below formula:
    Average = (Sum Insured Amount) / (Actual Replacement Amount ) x (Claim Amount)
    Once you have worked out the average amount you need to minus the excess and it will give you the total amount that an insurer will payout.

    9 / 10

    My contents is covered for R100 000 with a basic excess of R2 000. Someone breaks into my house and steals contents to the value of R50 000. I submitted a claim, the insurer advises that I am under insured.

    My contents is actually worth R250 000. How much will I be paid out?

    10 / 10

    Pam who is 29 years old, takes out insurance with Z Insurers for her car. She opts for a basic excess of R5 000.

    The are also 2 additional excesses on her policy schedule. (Drivers under the age of 25 years R2 000 excess and where an accident happens between 11pm and 4am R5 000 excess).

    Pam goes out partying and she meets up in an accident at 2am. She is stressed out about how much excess she needs to pay when she claims, how much would she need to pay?

    Your score is

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    0

    Life Insurance Quiz 101

    10 random quick, easy life insurance quiz questions to help you unlock how it works by increasing your knowledge.

    1 / 10

    Can a beneficiary in my will also act as a witness and sign my will?

    2 / 10

    What will my premium be if I am 25 years old and I want R1 million life cover?

    3 / 10

    Will my life cover automatically cancel when I reach my retirement age?

    4 / 10

    Is there specific cover for cancer only, as my family are at a higher risk for this disease?

    5 / 10

    Why is Life Cover important to have?

    6 / 10

    When is the best time to take out Life Cover?

    7 / 10

    What is the minimum and maximum amounts of Life Cover you can have?

    8 / 10

    What is lump sum servere illness cover?

    9 / 10

    With death cover, is there a waiting period for suicide?

    10 / 10

    Why do insurers want to know if I am a smoker or not when taking out life cover?

    Your score is

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    1 votes, 3 avg
    1

    Are you truly South African? Let’s see how well you know your SA slang!

    Known as South Africanism....we have many official languages and yes we sommer combine them to keep things interesting...

    1 / 10

    "Sif"

    2 / 10

    "Mielie"

    3 / 10

    Shame?

    4 / 10

    "Aikona"

    5 / 10

    "Babalas" derived from the Zulu word ibhabhalazi.

    6 / 10

    Jol?

    7 / 10

    "Bark the dog, kotch, park a tiger, blow chunks or make a technicolored yawn"

    8 / 10

    "Sharp, sharp"

    9 / 10

    "Howzit" (Hoezit)

    10 / 10

    You "chop"

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