Building cover provides protection against financial loss to the owner of a building, generally a private home, if the building were to be damaged or destroyed due to any of the insured perils.
The insured perils include loss or damage caused by
• fire,
• lightning and explosion,
• storm, wind, water, hail, or snow,
• earthquake,
• bursting of geysers,
• impact by animals, vehicles, aircraft, or aerial devices,
• collapse or breakage of aerial systems and satellite dishes,
• theft or attempted theft, burglary,
• leakage of oil from oil heaters.
It is very important to note that insurance policies do not cover the maintenance of your property or wear and tear/gradual deterioration of your property. It provides cover against sudden unforeseen loss of or damage to your property.
Cover depends on the sum insured you choose, based on the replacement costs to repair, or restore your building to the condition before the loss or damage. Please note, that neither the municipal, nor the market value is relevant in establishing the value at which you need to insure your property.
The insured amount should always include the replacement value of your boundary walls and gates, outbuildings, swimming pool and pump, paving, borehole and pump, solar panels and accessories etc.
The principle of “average” or “under insurance” applies to building cover. It means that you, as the policyholder, are responsible for part of the replacement costs if the replacement value of your buildings is more than the insured amount.
Sum Insured x Assessed Claim = Net claim amount
Value at Risk 1
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Contents cover provides protection against financial or physical loss, or damage to your movable property inside your home. All movable items inside your home or on your property that you would take with you when you move to another house, would be considered as the contents of your home. Contents may be insured comprehensively (against all insured events described by the insurer in the policy wording) or on a limited basis which normally excludes theft or burglary cover.
Contents claims are settled on a “new for old” basis. This means that the damaged or lost item will be replaced with a brand new item, or you will receive the monetary value of the specific item in cases of items such as antiques. It is therefore important to insure your contents at the replacement value, the value based on the new price of insured items.
The principle of “average” or “underinsurance” applies. It means that you, as the policyholder, are responsible for a part of the claim if the replacement value of your contents is more than the insured amount.
• Diagram
We urge you to prepare a proper inventory (list of items you own) and that you update your inventory once a year. If you need help, please download the inventory form that we prepared as a guide. You are welcome to send us the inventory information, backed up with photos of the most valuable items, so that we can keep it safe and available in the event of a claim.
• Inventory list (word format or on-screen completion with export function)
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Building cover provides protection against financial loss to the owner of a building, generally a private home, if the building were to be damaged or destroyed due to any of the insured perils.
The insured perils include loss or damage caused by
• fire,
• lightning and explosion,
• storm, wind, water, hail, or snow,
• earthquake,
• bursting of geysers,
• impact by animals, vehicles, aircraft, or aerial devices,
• collapse or breakage of aerial systems and satellite dishes,
• theft or attempted theft, burglary,
• leakage of oil from oil heaters.
It is very important to note that insurance policies do not cover the maintenance of your property or wear and tear/gradual deterioration of your property. It provides cover against sudden unforeseen loss of or damage to your property.
Cover depends on the sum insured you choose, based on the replacement costs to repair, or restore your building to the condition before the loss or damage. Please note, that neither the municipal, nor the market value is relevant in establishing the value at which you need to insure your property.
The insured amount should always include the replacement value of your boundary walls and gates, outbuildings, swimming pool and pump, paving, borehole and pump, solar panels and accessories etc.
The principle of “average” or “under insurance” applies to building cover. It means that you, as the policyholder, are responsible for part of the replacement costs if the replacement value of your buildings is more than the insured amount.
Sum Insured x Assessed Claim = Net claim amount
Value at Risk 1
[/bsf_advanced_tab][bsf_advanced_tab bsf_title=”Building Insurance” tab_layout=”itb” src=”http://barton.co.za/wp-content/uploads/2021/04/Group-349.png” tab_background_color=”#002971″ active_tab_background_color=”#002971″ _builder_version=”4.9.4″ _module_preset=”default” text_font=”Montserat regular||||||||” text_text_align=”left” text_text_color=”#002971″ text_font_size=”16px” text_letter_spacing=”0px” text_line_height=”1.6em” header_font=”Montserat Bold|700|||||||” header_text_color=”#FFFFFF” header_font_size=”18px” header_letter_spacing=”1px” header_line_height=”1.5em” background_color=”#FFFFFF” background_enable_color=”on” custom_padding=”10px|10px|10px|10px|true|true”]
Building cover provides protection against financial loss to the owner of a building, generally a private home, if the building were to be damaged or destroyed due to any of the insured perils.
The insured perils include loss or damage caused by
• fire,
• lightning and explosion,
• storm, wind, water, hail, or snow,
• earthquake,
• bursting of geysers,
• impact by animals, vehicles, aircraft, or aerial devices,
• collapse or breakage of aerial systems and satellite dishes,
• theft or attempted theft, burglary,
• leakage of oil from oil heaters.
It is very important to note that insurance policies do not cover the maintenance of your property or wear and tear/gradual deterioration of your property. It provides cover against sudden unforeseen loss of or damage to your property.
Cover depends on the sum insured you choose, based on the replacement costs to repair, or restore your building to the condition before the loss or damage. Please note, that neither the municipal, nor the market value is relevant in establishing the value at which you need to insure your property.
The insured amount should always include the replacement value of your boundary walls and gates, outbuildings, swimming pool and pump, paving, borehole and pump, solar panels and accessories etc.
The principle of “average” or “under insurance” applies to building cover. It means that you, as the policyholder, are responsible for part of the replacement costs if the replacement value of your buildings is more than the insured amount.
Sum Insured x Assessed Claim = Net claim amount
Value at Risk 1
[/bsf_advanced_tab][bsf_advanced_tab bsf_title=”Building Insurance” tab_layout=”itb” src=”http://barton.co.za/wp-content/uploads/2021/04/Group-349.png” tab_background_color=”#002971″ active_tab_background_color=”#002971″ _builder_version=”4.9.4″ _module_preset=”default” text_font=”Montserat regular||||||||” text_text_align=”left” text_text_color=”#002971″ text_font_size=”16px” text_letter_spacing=”0px” text_line_height=”1.6em” header_font=”Montserat Bold|700|||||||” header_text_color=”#FFFFFF” header_font_size=”18px” header_letter_spacing=”1px” header_line_height=”1.5em” background_color=”#FFFFFF” background_enable_color=”on” custom_padding=”10px|10px|10px|10px|true|true”]
Building cover provides protection against financial loss to the owner of a building, generally a private home, if the building were to be damaged or destroyed due to any of the insured perils.
The insured perils include loss or damage caused by
• fire,
• lightning and explosion,
• storm, wind, water, hail, or snow,
• earthquake,
• bursting of geysers,
• impact by animals, vehicles, aircraft, or aerial devices,
• collapse or breakage of aerial systems and satellite dishes,
• theft or attempted theft, burglary,
• leakage of oil from oil heaters.
It is very important to note that insurance policies do not cover the maintenance of your property or wear and tear/gradual deterioration of your property. It provides cover against sudden unforeseen loss of or damage to your property.
Cover depends on the sum insured you choose, based on the replacement costs to repair, or restore your building to the condition before the loss or damage. Please note, that neither the municipal, nor the market value is relevant in establishing the value at which you need to insure your property.
The insured amount should always include the replacement value of your boundary walls and gates, outbuildings, swimming pool and pump, paving, borehole and pump, solar panels and accessories etc.
The principle of “average” or “under insurance” applies to building cover. It means that you, as the policyholder, are responsible for part of the replacement costs if the replacement value of your buildings is more than the insured amount.
Sum Insured x Assessed Claim = Net claim amount
Value at Risk 1
[/bsf_advanced_tab][bsf_advanced_tab bsf_title=”Building Insurance” tab_layout=”itb” src=”http://barton.co.za/wp-content/uploads/2021/04/Group-349.png” tab_background_color=”#002971″ active_tab_background_color=”#002971″ _builder_version=”4.9.4″ _module_preset=”default” text_font=”Montserat regular||||||||” text_text_align=”left” text_text_color=”#002971″ text_font_size=”16px” text_letter_spacing=”0px” text_line_height=”1.6em” header_font=”Montserat Bold|700|||||||” header_text_color=”#FFFFFF” header_font_size=”18px” header_letter_spacing=”1px” header_line_height=”1.5em” background_color=”#FFFFFF” background_enable_color=”on” custom_padding=”10px|10px|10px|10px|true|true”]
Building cover provides protection against financial loss to the owner of a building, generally a private home, if the building were to be damaged or destroyed due to any of the insured perils.
The insured perils include loss or damage caused by
• fire,
• lightning and explosion,
• storm, wind, water, hail, or snow,
• earthquake,
• bursting of geysers,
• impact by animals, vehicles, aircraft, or aerial devices,
• collapse or breakage of aerial systems and satellite dishes,
• theft or attempted theft, burglary,
• leakage of oil from oil heaters.
It is very important to note that insurance policies do not cover the maintenance of your property or wear and tear/gradual deterioration of your property. It provides cover against sudden unforeseen loss of or damage to your property.
Cover depends on the sum insured you choose, based on the replacement costs to repair, or restore your building to the condition before the loss or damage. Please note, that neither the municipal, nor the market value is relevant in establishing the value at which you need to insure your property.
The insured amount should always include the replacement value of your boundary walls and gates, outbuildings, swimming pool and pump, paving, borehole and pump, solar panels and accessories etc.
The principle of “average” or “under insurance” applies to building cover. It means that you, as the policyholder, are responsible for part of the replacement costs if the replacement value of your buildings is more than the insured amount.
Sum Insured x Assessed Claim = Net claim amount
Value at Risk 1
[/bsf_advanced_tab][bsf_advanced_tab bsf_title=”Building Insurance” tab_layout=”itb” src=”http://barton.co.za/wp-content/uploads/2021/04/Group-349.png” tab_background_color=”#002971″ active_tab_background_color=”#002971″ _builder_version=”4.9.4″ _module_preset=”default” text_font=”Montserat regular||||||||” text_text_align=”left” text_text_color=”#002971″ text_font_size=”16px” text_letter_spacing=”0px” text_line_height=”1.6em” header_font=”Montserat Bold|700|||||||” header_text_color=”#FFFFFF” header_font_size=”18px” header_letter_spacing=”1px” header_line_height=”1.5em” background_color=”#FFFFFF” background_enable_color=”on” custom_padding=”10px|10px|10px|10px|true|true”]
Building cover provides protection against financial loss to the owner of a building, generally a private home, if the building were to be damaged or destroyed due to any of the insured perils.
The insured perils include loss or damage caused by
• fire,
• lightning and explosion,
• storm, wind, water, hail, or snow,
• earthquake,
• bursting of geysers,
• impact by animals, vehicles, aircraft, or aerial devices,
• collapse or breakage of aerial systems and satellite dishes,
• theft or attempted theft, burglary,
• leakage of oil from oil heaters.
It is very important to note that insurance policies do not cover the maintenance of your property or wear and tear/gradual deterioration of your property. It provides cover against sudden unforeseen loss of or damage to your property.
Cover depends on the sum insured you choose, based on the replacement costs to repair, or restore your building to the condition before the loss or damage. Please note, that neither the municipal, nor the market value is relevant in establishing the value at which you need to insure your property.
The insured amount should always include the replacement value of your boundary walls and gates, outbuildings, swimming pool and pump, paving, borehole and pump, solar panels and accessories etc.
The principle of “average” or “under insurance” applies to building cover. It means that you, as the policyholder, are responsible for part of the replacement costs if the replacement value of your buildings is more than the insured amount.
Sum Insured x Assessed Claim = Net claim amount
Value at Risk 1
[/bsf_advanced_tab][bsf_advanced_tab bsf_title=”Building Insurance” tab_layout=”itb” src=”http://barton.co.za/wp-content/uploads/2021/04/Group-349.png” tab_background_color=”#002971″ active_tab_background_color=”#002971″ _builder_version=”4.9.4″ _module_preset=”default” text_font=”Montserat regular||||||||” text_text_align=”left” text_text_color=”#002971″ text_font_size=”16px” text_letter_spacing=”0px” text_line_height=”1.6em” header_font=”Montserat Bold|700|||||||” header_text_color=”#FFFFFF” header_font_size=”18px” header_letter_spacing=”1px” header_line_height=”1.5em” background_color=”#FFFFFF” background_enable_color=”on” custom_padding=”10px|10px|10px|10px|true|true”]
Building cover provides protection against financial loss to the owner of a building, generally a private home, if the building were to be damaged or destroyed due to any of the insured perils.
The insured perils include loss or damage caused by
• fire,
• lightning and explosion,
• storm, wind, water, hail, or snow,
• earthquake,
• bursting of geysers,
• impact by animals, vehicles, aircraft, or aerial devices,
• collapse or breakage of aerial systems and satellite dishes,
• theft or attempted theft, burglary,
• leakage of oil from oil heaters.
It is very important to note that insurance policies do not cover the maintenance of your property or wear and tear/gradual deterioration of your property. It provides cover against sudden unforeseen loss of or damage to your property.
Cover depends on the sum insured you choose, based on the replacement costs to repair, or restore your building to the condition before the loss or damage. Please note, that neither the municipal, nor the market value is relevant in establishing the value at which you need to insure your property.
The insured amount should always include the replacement value of your boundary walls and gates, outbuildings, swimming pool and pump, paving, borehole and pump, solar panels and accessories etc.
The principle of “average” or “under insurance” applies to building cover. It means that you, as the policyholder, are responsible for part of the replacement costs if the replacement value of your buildings is more than the insured amount.
Sum Insured x Assessed Claim = Net claim amount
Value at Risk 1
[/bsf_advanced_tab][bsf_advanced_tab bsf_title=”Building Insurance” tab_layout=”itb” src=”http://barton.co.za/wp-content/uploads/2021/04/Group-349.png” tab_background_color=”#002971″ active_tab_background_color=”#002971″ _builder_version=”4.9.4″ _module_preset=”default” text_font=”Montserat regular||||||||” text_text_align=”left” text_text_color=”#002971″ text_font_size=”16px” text_letter_spacing=”0px” text_line_height=”1.6em” header_font=”Montserat Bold|700|||||||” header_text_color=”#FFFFFF” header_font_size=”18px” header_letter_spacing=”1px” header_line_height=”1.5em” background_color=”#FFFFFF” background_enable_color=”on” custom_padding=”10px|10px|10px|10px|true|true”]
Building cover provides protection against financial loss to the owner of a building, generally a private home, if the building were to be damaged or destroyed due to any of the insured perils.
The insured perils include loss or damage caused by
• fire,
• lightning and explosion,
• storm, wind, water, hail, or snow,
• earthquake,
• bursting of geysers,
• impact by animals, vehicles, aircraft, or aerial devices,
• collapse or breakage of aerial systems and satellite dishes,
• theft or attempted theft, burglary,
• leakage of oil from oil heaters.
It is very important to note that insurance policies do not cover the maintenance of your property or wear and tear/gradual deterioration of your property. It provides cover against sudden unforeseen loss of or damage to your property.
Cover depends on the sum insured you choose, based on the replacement costs to repair, or restore your building to the condition before the loss or damage. Please note, that neither the municipal, nor the market value is relevant in establishing the value at which you need to insure your property.
The insured amount should always include the replacement value of your boundary walls and gates, outbuildings, swimming pool and pump, paving, borehole and pump, solar panels and accessories etc.
The principle of “average” or “under insurance” applies to building cover. It means that you, as the policyholder, are responsible for part of the replacement costs if the replacement value of your buildings is more than the insured amount.
Sum Insured x Assessed Claim = Net claim amount
Value at Risk 1
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