Homeowners Isurance

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.

What's Covered?

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Fire

Cover for loss or damage to buildings caused by fire and includes fires due to arson.

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Natural Disasters

Such a hailstorms, floods, tornados, lightning, earthquakes and tsunamis.

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Accidental Damage

Unforeseen and unintentional damage such as spilling paint on a carpet or drilling through a pipe in a wall.

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Loss of Rent

Loss of rent, removal costs and alternative accommodation.

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Geysers

Geyser and maintenance cover, including heatpumps and solar installations. Choose your preferred limit.

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Subsidence and Landslide

Limited cover (excluding dolomite and limestone areas).

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Public Liability

Up to R100 million, including prior acts coverage.

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Power Surge

R50,000 included.

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Employers Liability

Up to R10 million.

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Machinery Breakdown

R50,000 included.

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Personal Accident

Cover for voluntary workers, assault and specified persons.

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Contents belonging to the scheme

Such as laundry room equipment, gardening tools etc. Vehicles belonging to the scheme can also be added.

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Theft and Malicious Damage

Full cover for theft and malicious damage following forcible and violent entry into the building.

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Trustees and directors indemnity

R5 million included.

Download our key information document below to learn more

Downloads

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