Personal insurance
Home & Buildings, without the babble.
Protect the structure of your home against fire, storms, burst pipes and more.
Your home is likely the biggest investment you'll ever make. Home and buildings insurance protects the physical structure — walls, roof, fixed fittings and more — against fire, storms, burst geysers and other disasters, so you're never left paying to rebuild out of your own pocket.
Ample arranges buildings cover across South Africa's top insurers and makes sure it's set at the right replacement value — not too little to leave you short, and not too much that you overpay.
What Home & Buildings covers
Structural damage
Repairs or rebuilding after fire, explosions, storms, floods and impact damage.
Burst geysers & pipes
Cover for one of the most common home claims in SA — and the water damage that follows.
Fixed fittings
Built-in cupboards, fitted kitchens, sanitaryware, garages, walls, gates and pools.
Weather events
Hail, lightning, wind and flood damage to the structure of your home.
Alternative accommodation
Somewhere to stay while your home is repaired after an insured event.
Liability cover
Claims if someone is injured on your property and holds you responsible.
Who home & buildings is for
- Homeowners (buildings cover is usually required by your bond)
- Anyone with a home loan from a bank
- Owners of holiday homes or second properties
- Landlords insuring a rented-out property
Home & Buildings FAQs
Is home insurance the same as household contents?
No. Buildings insurance covers the physical structure of your home. Household contents covers everything inside it — furniture, appliances and belongings. Most families need both, and we can bundle them.
Does my bank require home insurance?
Yes. If you have a home loan, your bank will require buildings (homeowner's) cover to protect the asset. You're free to insure through a broker like Ample rather than the bank's own offering — often at a better rate.
What is 'replacement value' and why does it matter?
It's what it would cost to rebuild your home from scratch today. Insure for too little and a claim can be reduced for under-insurance; too much and you overpay. We help you set it correctly.
Are burst geysers covered?
Yes — burst geysers and the resulting water damage are typically covered, and it's one of the most common home claims in South Africa.
This page is general information, not financial advice. Cover varies by policy and provider — your dedicated Ample broker tailors it to your needs.
Related personal cover
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Tell us a little about what you need and your dedicated broker will be in touch — usually within one business day. No bots, no pressure.
- Call us0861 112 466
- Email usinfo@ampleinsurance.co.za
- Office hoursMon–Fri, 08:00–16:30