Things you must know about

Fire Insurance


1.  Who needs Fire Insurance?

Anyone who owns property, be it residential or commercial, is going to need cover. The effects of a fire can be one of the most destructive forces. Don't let the fire claim everything.

2.  Why should you take out Fire Insurance

Many home owners / commercial building owners may not know what exactly is covered by their fire insurance and it is important to be aware of this information in order to not be caught short in the event of fire damage.

Make sure that your house, garage and garden contents, as well as your house and outbuildings themselves are insured again fire and at replacement (not acquisition) cost.

It takes exactly 60 seconds for an entire house to be engulfed in flames.

3.  How much does Fire Insurance cost?

We have a large book of clients with many different insurance companies, so we will be able to find the most beneficial policy with the cheapest premiums for your business.

4.  Typical claims incurred on Fire Insurance policies

The most common and most expensive claims can be from the fact that most of us rely on using electric blankets and heaters during the winter months. Faulty wiring or neglect can lead to devastating consequences. Cigarettes being left to burn, fire places or stoves being left unattended, children playing with matches, wind borne debris from veld fires, lightening can all be the cause of many fires.

5.  What other insurance should be considered along with Fire Insurance?

Personal Insurance should be considered, especially the contents of your home or stock and contents in your commercial building. Spread of Fire Insurance should also be considered if you have farming areas. 

A fire at a business can devastate a business. The structure may be damaged beyond repair. Business revenues are disrupted as the business cannot remain open.  Your business needs Business Interruption Insurance to insure against the loss of revenue accompanying a fire and any potential relocation costs. Business interruption is a separate policy and should be considered if your business will be destroyed by being closed.


Click here to send us an e-mail requesting a quote -> 

We will e-mail you a quotation as soon as possible.

Contact details will be kept confidential and will not be used in any way other than as described above and will not be shared with any other parties.

Please note that we can only insure in South Africa


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