Buildings insurance you actually understand
Our Buildings Protector Insurance covers your home's structure against fire, storm damage, burst geysers, and theft. But most people only discover what's excluded when they try to claim, after it's too late.
We make sure you understand exactly what's covered and what isn't before you choose. We've spent over 21 years helping 98 000+ South African homeowners get buildings insurance they trust, knowing exactly what protection they're getting.
Benefits You Can Count On
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Extensive Coverage
From natural disasters to accidental damage, our home insurance policy covers a variety of situations (see full list below).
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Added Protections
Get coverage for burst geysers, electrical gate motor damage, emergency services, and even lost keys.
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Peace of Mind
Our policy even includes cover for loss of rent and liability claims.
Why do you need buildings insurance?
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Do I have to have Buildings Protector Insurance?
Yes, it is a statutory requirement if your property is bonded.
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What damages am I protected against with buildings insurance?
Your cover protects you against damage caused by unforeseen events such as fire, flooding, lightening and/or burst geysers.
What's Covered
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Please Note:
This is a summary of the Buildings Protector Policy.
Premiums are subject to change and will be based on your specific property details and risk profile.
Get the insurance help you need
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We’re here weekdays 8am–5pm.
We’ll usually call within 30 minutes, or the next business day if it’s after hours.
Protect everything that matters
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Household insurance that follows you anywhere
Your laptop at the coffee shop, expensive items at home - we explain exactly what's covered so you get protection that fits your real life.
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Car insurance that keeps you moving
Whether you need comprehensive or third-party cover, we explain the differences clearly so you choose protection that keeps you moving confidently.
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Anyone can have a will
Don't let people you don't know or trust decide your family's future. Our simple process with Capital Legacy makes creating your will easy to understand and impossible to postpone.
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9.3/10 Trustindex Rating
They helped me understand exactly what I'm covered for
oobainsure was very helpful and guided me throughout. I got to understand the insurance options available to me and what I am insured for. They also had follow-up calls just to make sure I am satisfied with everything.
Siphamandla G
From rejected to approved - she saved my claim
Renatte stepped in when others were unavailable and handled my burst pipe claim like a true professional. She picked up on important details that had been overlooked and turned what was heading toward a rejected claim into an approved one. She went above and beyond, and her effort made all the difference.
Andre M
Claim approved in minutes, service provider called in 20
I contacted oobainsure, and the person who assisted me was very professional and efficient. He listened to understand and then advised accordingly. I could not believe it, but within 20 minutes after my call to log a claim, the service provider contacted me. I'm extremely happy with the service.
G. Swanson