Jun 10, 2026
TL;DR: The correct sum insured for South African rental properties is based on full replacement cost, not market value, and must be reviewed annually to account for construction inflation. Underinsuring triggers the average clause, which reduces claim payouts...
Jun 9, 2026
TL;DR: Unoccupied property insurance provides essential coverage beyond standard policies’ vacancy limits, protecting against risks like fire, vandalism, and water damage during extended empty periods. It requires active risk management, including regular inspections...
Jun 8, 2026
TL;DR: Insurance renewal is the insurer’s offer to continue your policy, adjusting premiums and coverage based on your current risk profile. Proactively reviewing property valuations, comparing multiple quotes, and directly negotiating with your insurer help landlords...
Jun 7, 2026
TL;DR: The best landlord insurance in South Africa balances affordable premiums with manageable excesses, covering tenant damage, income loss, and liability. Key factors influencing costs include location, property type, security features, and claim history, with...
Jun 6, 2026
TL;DR: Maintaining an accurate and organized insurance portfolio is essential to prevent underinsurance penalties and ensure optimal premiums. Regular reviews, thorough documentation, and timely updates are crucial for protecting rental income and managing risk across...
Jun 5, 2026
TL;DR: An insured peril is a specific cause of loss listed or included in an insurance policy, triggering insurer payments when that event causes damage. For South African landlords, understanding the distinction between named and open peril policies is crucial for...
