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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?


Fire
Cover for loss or damage to buildings caused by fire and includes fires due to arson.
Natural Disasters
Such a hailstorms, floods, tornados, lightning, earthquakes and tsunamis.
Accidental Damage
Unforeseen and unintentional damage such as spilling paint on a carpet or drilling through a pipe in a wall.
Loss of Rent
Loss of rent, removal costs and alternative accommodation.
Geysers
Geyser and maintenance cover, including heatpumps and solar installations. Choose your preferred limit.
Subsidence and Landslide
Limited cover (excluding dolomite and limestone areas).
Public Liability
Up to R100 million, including prior acts coverage.
Power Surge
R50,000 included.
Employers Liability
Up to R10 million.
Machinery Breakdown
R50,000 included.
Personal Accident
Cover for voluntary workers, assault and specified persons.
Contents belonging to the scheme
Such as laundry room equipment, gardening tools etc. Vehicles belonging to the scheme can also be added.
Theft and Malicious Damage
Full cover for theft and malicious damage following forcible and violent entry into the building.
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:

Community Living Insurance Policy
Document size: 608KB
Community Living Insurance Policy - Key Information Document
Document size: 34KB
Average Waiver Extension
Document size: 132KB
Enhanced Geyser Benefit
Document size: 92KB
Insurance Proposal Form
Document size: 235KB

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