What is Home Insurance
Home Insurance, also known as homeowners or building insurance, offers extensive coverage for damage to your property, its structures, and essential features. From your main home to all outbuildings on your premises, we’ve got you covered.
What’s Included?
Fixtures and Fittings – For a secure home foundation.
Walls, Gates, and Fences – (Excluding dam walls and hedges) including gate motors for added protection.
Security Systems – Intercoms and security features.
Swimming Pools – Coverage for pools (excluding water and portable pools), filters, safety nets, covers, and pumps.
Saunas, Spas, and Hot Tubs – Keep your relaxation spots protected.
Tennis Courts – For properly constructed courts (excludes clay, gravel, or grass surfaces).
Ornamental Ponds, Fountains, and Borehole Motors – Coverage for your beautiful outdoor features.
Underground Pipes and Cables – Essential utility coverage.
Public Supply Connections – Satellite dishes, aerials, antennae, and air conditioning units.
Irrigation Systems and Solar Heating – Plus, driveways, paths, and patios made of brick, tar, or concrete.
With Omni Group you can enjoy peace of mind knowing that your home and its essential features are fully protected.
Contact us today to secure your property!
Definitions
Get the Right Coverage with an Accurate Insured Value Calculation!
When setting up your home insurance, it’s essential to base the sum insured on the full rebuilding costs of your property. This includes all buildings and improvements, such as driveways, walls, extensions, swimming pools, and even built-in items like air conditioners, fitted carpets, and eye-level ovens.
Important: Remember, the market value of your home is different from rebuilding costs, so it’s not the right basis for your insurance. When calculating the sum insured, be sure to factor in demolition costs, professional fees, and any public authority requirements to ensure you’re fully protected.
Protect your home with confidence—reach out to us today for guidance on accurate coverage!
Cover Includes
With our coverage, your property is safeguarded against a wide range of risks, so you can enjoy peace of mind knowing your investment is protected.
Here’s what’s included:
- Natural Events – Damage from fire, lightning, explosions, storms, wind, rain, hail, snow, water, or even earthquakes.
- Water and Heating Systems – Coverage for bursting, leaking, or overflowing water or heating installations, including damage to pipes, geysers, and the installations themselves.
- Accidental Impact – Protection from unexpected impact damage to your property.
- Theft Protection – Coverage for theft or attempted theft of fixtures and fittings in or on your building.
- Malicious Damage – Protection against intentional damage to your property.
Rest easy knowing that your property is fully protected. Get in touch today to learn more about our comprehensive coverage options!
What’s Not Included in Building Cover
Our building cover excludes damage or destruction to retaining walls unless they were built according to proper architectural or engineering specifications.
Ensure your property is covered where it counts. Contact us to learn more about getting the right protection for your home!
Definitions
Get Full Protection with the Right Insured Value for Your Household Contents!
Make sure your household contents are insured for their full new replacement value, covering everything moveable in your home.
Important: Remember to include items stored in garages, workshops, tool sheds, and domestic staff quarters. And don’t overlook the security requirements listed in your policy schedule—meeting these ensures a smooth claim process if you ever need it.
Protect your belongings with confidence. Contact us today to get started!
What’s Included in Your Coverage
With our household contents insurance, you’re protected against a wide range of unexpected events:
- Natural Events – Coverage for damage caused by fire, lightning, explosions, storms, wind, rain, hail, snow, water, or even earthquakes.
- Water & Heating Systems – Protection against bursting, leaking, or overflowing water from pipes, geysers, and heating installations, including damage to the installations themselves.
- Accidental Impact – Coverage for sudden impact damage to your belongings.
- Theft Protection – Protection against theft or attempted theft of your valuables.
- Malicious Damage – Coverage for intentional damage to your household contents caused by someone else.
Enjoy peace of mind knowing your belongings are protected. Contact us today to secure your coverage!
Protect What Makes Your House a Home with Household Contents Insurance
Household contents insurance covers all the moveable items that make your home uniquely yours. This policy provides coverage for the new replacement value of your belongings at the address listed in your policy. Plus, it extends beyond the indoors!
Garden furniture and other outdoor items on your property are also covered if damaged by an insured event. And that’s not all—this policy includes extra benefits like accidental death cover, medical and veterinary expenses, trauma counselling, and more.
Keep your home’s contents safe and enjoy added peace of mind. Contact us today to learn more about protecting what matters most!
Specified All Risk Coverage
Tailored Protection for Your Valuables
Specified All Risk insurance provides coverage for high-value items individually listed in your policy, ensuring each is protected wherever you go.
Keep your prized possessions secure wherever life takes you. Get in touch to customize your coverage today!
Definitions
Unspecified All Risk
This covers clothing and personal belongings that you and your family carry or wear when leaving the house. There is typically a percentage limit on the total sum insured for this section, depending on the insurer.
Specified All Risk Coverage
Items you can cover include:
- Electronics: Laptops, tablets, mobile phones, etc…
- Optics: Prescription glasses and sunglasses
- Audio: Portable music players and vehicle sound systems
- Photography: Cameras and photographic equipment
- Jewellery & Watches: Precious and personal accessories
- Sports Gear: Bicycles, sporting equipment, etc…
- Baby Essentials: Prams, car seats, and other infant gear
- Firearms: For licensed firearms only
- Other Valuables: Anything else that’s important and valuable to you.
Request a quote for Household Insurance Below
Fill in the form and we’ll get back to you.