Our Products

Community Living Insurance

As one of South Africa’s largest Community Schemes insurance providers, CIA understands the unique and growing challenges faced by today’s Body Corporate’s their trustees and managing agents.

Our Community Living Insurance Policy has been designed to cover all types of residential, commercial and industrial community living schemes including Sectional Title Developments, Share Blocks, Home Owners Associations and Retirement Villages.

Community Living Insurance

What is Covered?

We understand better than anyone the intricacies and risks unique to this market and the associated insurance and legislative requirements. The CIA Community Living Insurance Policy is an Assets All Risk policy and is progressive in its cover of accidental or unforeseen loss or damage faced by community schemes. Together with our Fidelity and Computer Crime Policy, the Community Living Insurance Policy is accessible, user-friendly and offers compliance and protection for our clients.

  • Repair, replacement or reconstruction of the insured property resulting from unforeseen/unintentional damage
  • Loss of rent, removal costs and alternative accommodation
  • Geyser maintenance and replacement
  • Public liability up to R100 million
  • Subsidence and landslide protection (certain areas excluded)
  • Trustees/Directors indemnity
  • Employers liability
  • Machinery breakdown
  • Personal accident
  • Motor vehicles and contents belonging to the scheme

Download our key information document to learn more.


Access our plain language key information document, policy wording and other relevant forms here: