Your home is more than just a structure, it’s the heart of your life, where memories are made and where you feel safe.
Protecting it with the right insurance means safeguarding not only the building itself but also the belongings that make it yours. Hollard offers comprehensive home insurance solutions that cover both your property and household contents, giving you peace of mind that everything that matters is protected against life’s unexpected events.
Whether you're a homeowner or a partner advising clients, our cover is designed to support secure, resilient living.
What does home insurance cover?
Home insurance typically consists of two main types of cover:
- Buildings Insurance – this covers the physical structure of your home (walls, roof, garage, swimming pool, outbuildings, boundary walls, gates and gate motors).
- Home Contents Insurance – this covers the possessions inside your home, from appliances and electronics to furniture, clothing and personal valuables.
Protecting your property with Buildings Insurance
Hollard’s customisable Buildings Insurance helps you recover from damage caused by insured events such as fire, theft, storms or natural disasters. It also covers water damage from burst geysers, leaking pipes or overflowing gutters, as well as malicious or accidental damage to your property.
We go beyond standard cover by including benefits like the cost of a security guard to protect your home after an incident, replacement of lost keys, locks and remote controls, cover for water loss and leak detection services and accidental damage to underground services.
You’re also protected against ground movement such as subsidence or landslip and we cover firefighting costs charged by authorised bodies. If your property becomes uninhabitable after an insured event, we’ll cover lost rental income or provide alternative accommodation.
Optional extras include cover for renewable energy equipment, guesthouse insurance, geyser protection, garden and outdoor assets and more, giving you the flexibility to tailor your policy to your lifestyle and needs.
Protect what matters with Home Contents Insurance
Your possessions are what make your house unique. Hollard’s home contents insurance is designed to protect these items against loss or damage caused by theft, burglary, malicious acts, fire, lightning, storms and even earthquakes.
We also cover power surges that could damage your appliances. Beyond standard protection, our policy includes valuable benefits at no extra cost, such as cover for items in transit or temporarily removed from your home, replacement of clothes stolen from your washing line, and counselling services to help you cope with trauma after an insured event.
You’re also covered for spoiled food due to power failure, gifts stored in your home that are stolen or damaged, and personal belongings of guests staying with you.
By insuring your home contents, you’re not just protecting their financial value, you’re reducing the disruption and stress that can come with life’s unexpected events.
Why choose Hollard Home Insurance?
Whether you own your home or rent, Hollard has a tailored home insurance policy to meet your needs. With our combination of building and home contents cover, you get comprehensive protection, flexible options and extra benefits designed to minimise stress when the unexpected happens.
Get a Hollard home insurance quote today and protect both your home and everything inside it.
FAQs about home insurance
What is the difference between buildings insurance and home contents insurance?
Buildings insurance covers the structure of your home (walls, roof, fixtures), while contents insurance protects your possessions inside the house (furniture, electronics, clothing, etc.).
Is home insurance mandatory in South Africa?
No, it’s not legally required, but many banks insist on building insurance if you have a home loan. Home contents insurance is optional but highly recommended.
Does Hollard cover renters as well as homeowners?
Yes, whether you rent or own, Hollard has policies to suit your needs.
What optional extras are available?
You can extend your cover to include renewable energy equipment, outdoor structures, geysers and more.
Disclaimer
This article provides general information only and should not be considered financial advice. For tailored assistance, please consult a Hollard-accredited financial adviser or a licensed financial professional registered with the Financial Sector Conduct Authority (FSCA).
