Home owners insurance

• Loss of, or damage to your buildings caused by: fire, explosion, acts of nature, malicious damage, animals, aircraft and articles dropped from them, cars, falling trees (unless they're being felled), power surges and dips and theft and other intentional acts.
• Loss of, or damage to, geysers and water pipes.
• Accidental damage (as stated on your policy schedule).
• Fire brigade charges.
• Temporary accommodation.
• Liability as the owner of the insured building.
• Liability to domestic employees.

Loss or damage to property due to or caused by

• Sewerage or waste pipes.
• Liability to others arising from any trade, business or profession; the ownership of any land or building (other than that covered by this policy); the ownership, possession or use of lifts; the ownership or possession of animals (other than domestic cats and dogs); the use of weapons and firearms; and damages and legal costs awarded against you by a court outside of South Africa.
• Liability to others: Where an incident causes damage or injury to others and a claim for damage to the building itself wouldn't have been covered.
• Liability already covered by laws and/or other insurance contracts.
• Theft or acts caused intentionally by you, your household or tenant (or which happen with your knowledge or consent).
• Theft or damage to outbuildings (unless there are visible signs of forced entry).
• While a building is let or sublet (unless there are visible signs of forced entry).
• Where a building has been unoccupied for more than 45 days in a row.
• Pre-existing damage.
• Certain conditions during alterations and additions (as stated on your policy schedule).
• Matching materials.
• Scorching.
• Damage due to volume changes in clay-based soil or rock.
• Damage due to scratching, chipping, denting, biting, tearing or dirtying.
• Damage due to rising of the underground water table or pressure caused by it.
• Damage due to defects in design or construction or the absence of approval by relevant local authorities.
• Damage due to construction, alteration or repairs, defective workmanship or materials.
• Damage due to a lack of maintenance.
• Vacant, abandoned or illegally occupied properties.
• Thatch roof (unless specifically stated on your policy schedule).
• Theft from unoccupied buildings.
• Damage to retaining walls.
• Additional underpinnings of foundations.

• Subsidence (with exclusions and conditions as stated on your policy schedule).