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The buildings of your private home and all outbuildings on your premises. Also included are fixtures, fittings, walls (excluding dam walls), gates, gate motors, intercom and security systems, fences (not hedges), swimming pools (but not the water or portable swimming pools), swimming pool filters, safety nets, covers, pumps, sauna baths, spa baths, hot tubs, normally constructed tennis courts (but not clay, gravel or grass surfaced), ornamental ponds and fountains, borehole motors, underground pipes and cables, public supply connections, satellite dishes, aerials, antennae, air conditioning units, irrigation systems, solar heating systems, brick, tar and concrete driveways paths and patios.
The sum insured should represent the rebuilding costs of all buildings and improvements on your property, including driveways, walls, extensions, swimming pools, etc. Items such as air conditioners, fitted carpets and eye-level ovens should also be included. Market value often differs significantly from rebuilding costs and is not the figure on which to base your insurance. Important note: In calculating the sum insured, provision should also be made for demolition costs, professional fees and public authority requirements.
Damage caused by fire, lightning, explosion, storm, wind, rain, hail, snow, water or earthquake. Bursting, leaking, overflowing of water and heating installations for pipes or geysers including damage to the heating installations, pipes or geysers. Accidental impact. Theft or attempted theft of fixtures and fittings in or on your building. Malicious damage caused to your building.
Damage or destruction to retaining walls unless such property was erected in terms of architectural or engineering specifications.