Buildings combined

King Price’s ‘Buildings combined’ insurance provides cover for these 5 sections:

• Buildings.
• Public supply connections.
• Rent and alternative premises.
• Legal liability.
• Malicious damage.

‘Buildings combined’ agri insurance covers you against loss or damage to property due to:

• Fire, lightning, thunderbolt, subterranean fire, explosion or earthquake.
• Special perils such as storm, wind, water, hail and snow.
• Theft or attempted theft.
• Impact by animals, trees, aerials, satellite dishes or cars.
• Aircraft and items dropped from them.
• Accidental breakage of glass or sanitary ware, fixed mirror glass and fixed glass in stoves, windows, doors, fanlights, skylights, green-houses, conservatories and verandas, fixed wash basins, pedestals, sinks, lavatory pans, splash backs and cisterns.
• Collapse/breakage of TV or radio masts or aerials.
• Intentional acts by third parties.
• Water, sewerage, gas, electricity and telephone connections being damaged accidentally.
• The bursting or overflowing of water heating systems, which are specified separately.

You’re also covered for:

• Alteration and misdescription.
• Architects and other professional fees..
• Capital additions.
• Damage by wild baboons, monkeys or animals.
• Demolition and clearing costs.
• Deterioration of foodstuff.
• 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.
• Money, stamps, documents, manuscripts, plans, business books, designs, patterns, models and moulds, computer system records and media.
• Locks and keys.
• Loss of water.
• The actions of mortgagees.
• Municipal plan scrutiny fees.
• Loss or damage to alarms and detection systems, electronic motors, telephonic communication equipment, TV aerials, closed circuit cameras and monitors, security control equipment and any accessories/attachments relating thereto.
• Prevention of access.
• Property removed temporarily.
• Public authorities’ requirements.
• Railway and other subrogation.
• Reinstatement and replacement of property.
• Removal of trees.
• Security firms and security costs.
• Subsidence and landslip.
• Temporary removal.
• Temporary repairs and measures after a loss.
• The actions of tenants.

Loss or damage to property due to or caused by

• Acts of nature during alterations and additions while the structure is unroofed or partially roofed.
• The accidental damage to sanitary ware, fixed mirror glass and fixed glass doors during alterations and additions.
• Scorching.
• Defects in the design or construction of the building, or where the structure wouldn’t have been approved by the relevant local authority at the time of construction.
• Construction, alteration or repairs, or defective workmanship or materials.
• A lack of maintenance.
• A tsunami or tidal wave.
• Underground mining operations.
• Fines, penalties or punitive or vindictive damages.
• A foreign court awarding damages to you.
• Any incident for which cover is provided by any other insurance.
• Liability where you’re entitled to claim under the cover provided by the ‘public liability’.
• Heating, drying or water processes.
• You, your principals, partners, members and directors, intentionally.
• Additional costs which result from the unavailability of matching materials.
• The underpinning of foundations.
• Goods being left in the open, except if they’re designed to be used, or to operate, in the open.
• Leaking pipes.
• 2 separate incidents in any 12-month period.
• A loss of water as a result of leaking taps, water heating apparatus, toilet systems, swimming pool structures, or inlet or outlet pipes.
• Theft, and the removal, demolition, or attempted or partial demolition, of your building, as a result of theft.
• Consequential loss.
• Stoppage, slowing down, or the interruption of work or any process.
• The building being unoccupied, vacant or abandoned for more than 30 consecutive days.
• The inability to rebuild or repair the building where it stood prior to the incident.
• Rates, taxes, duties, development or other charges or assessments arising from capital appreciation.
• Wear and tear, gradual deterioration, rust, decay, cracking, splitting, faulty materials/ workmanship or latent defects of burst and leaking pipes.
• Incidents which occur within South Africa or Namibia, unless specific ‘Riot and strike’ cover has been obtained.
• The detention or confiscation of money by any lawfully-constituted authority.
• War, acts of a foreign enemy, warlike operations, military uprising, usurped power, martial law, rebellion, terrorism or revolution.
• Volume changes in clay-based soil or in rock, caused by changes in the moisture levels.
• A rise in the water table or pressure caused by it.
• Excavations, other than mining activities.
• The removal or weakening of pillars.
• Defective design, material and workmanship.
• Normal settlement, shrinkage or expansion of the soil supporting the structures.
• The poor compaction of soil.
• Workmen engaged in making any structural alterations, additions or repairs.
• The act of any lawful authority in any other way dealing with any occurrence referred to in any of the clauses above.

As well as loss, or damage to

• Retaining walls, unless they’re specifically insured and stated on your policy schedule.
• Structures that aren’t completely roofed, unless described on your policy schedule.
• Property that’s stolen, or damaged while being stolen.
• A building which didn’t comply with regulations before the incident.
• Undamaged property or portions of the property.
• Sewerage pipes.
• Drains, water courses, boundary walls, garden walls, retaining walls, gates, posts or fences.

• Bursting or overflowing of geysers and water pipes.
• Escalation.
• Fidelity guarantee.
• Guesthouses: Accommodation and lodging.
• Money.
• Office contents.
• Power surges.
• Riot and strike.
• Subsidence and landslip.