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Homeowners Building Insurance

At CIA Building Insurance Specialists, we understand that every home has livelihood and family at its core. Its value is so much more than the replacement cost of its roof and four walls.
Offering very wide cover on an all risk basis, the Homeowners Insurance Policy enables our clients to live life without the fear of loss caused by damage to their property. Our Homeowners Insurance Policy provides cover specifically for free standing private dwellings, whether individually owned or in a company, trust or close corporation. Even your holiday home can be covered.
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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.
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Anyone intrinsically involved in commercial / residential property management recognises the importance of protecting their significant investment. CIA has an almost 20-year track record of success in developing products to mitigate the risks incurred by their clients across the full spectrum of building insurance.

The CIA Building Insurance Policy provides cover on a Broadform All Risk basis for commercial, industrial and residential buildings, such as offices, schools, shopping centres, hospitals, factories and warehouses.
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The Fidelity and Computer Crime Insurance Policy is based on the requirements of the Sectional Title Schemes Management and Community Schemes Ombud Services Acts, namely that “…every community scheme must insure against the risk of loss of money belonging to the community scheme…sustained as a result of any act of fraud or dishonesty committed by any insurable person.”

The CIA Fidelity Policy is augmented through additional cover provided for computer-crime related loss i.e. loss of funds due to fraudulent manipulation of a computer network. This product guarantees peace of mind to the community scheme and/managing agent through its compliance with new regulations as well as cover that addresses most of the potential criminal acts that a community scheme faces.

Notices

Advice From the Experts - Liability claims in a nutshell - Part 5 - May 2026

First introduced in South Africa in 1977, the National Building Regulations specify the minimum requirements for design and construction to which all buildings must comply. The regulations have been revised and updated a number of times since then and are essential to ensuring the safety and longevity of buildings being constructed.
It is a fundamental requirement of the cover we provide that all buildings and subsequent extensions have been built according to the national building regulations in force at the time of construction.

The regulations are extensive and cover all aspects of building design and construction. Below is an extract of certain regulations that are particularly important to residential buildings.

Please note the information is provided below for general awareness purposes only. The advice of a professional architect, quantity surveyor or engineer should always be sought when embarking any building construction or extension project.

Further information can be obtained from the following websites:

 
  • Free-Standing, Boundary & General Walls
    Unfortunately, we often find that boundary walls are not built in compliance with legislation. This can result in a very unsafe situation – especially in the vicinity of children.
    As per SANS 10400-K there are varying requirements for walls depending on the width and the height of the wall. For example, a single brick free standing wall can only be built to a maximum height of 1.4m and needs double brick support pillars every 1.8 meters to comply with the regulations.

  • Retaining Walls
    In terms of legislation any wall that retains more than 30cm of soil is considered to be a retaining wall. Retaining walls (which may also be operating as boundary walls) are required to have adequate drainage by weep holes. Weep holes of at least 50mm diameters, must be installed at every 1.5 meters of the wall. Any retaining wall higher than 1.2 meters must be designed and signed off by a professional Structural Engineer.
  • Electrical Compliance Certificates
    Additions and alterations to buildings:
    In terms of SANS 10142 where any alteration or work on the electrical reticulation of a building is done, a Certificate of Compliance must be obtained in respect of the work that has been done.
    Change of ownership:
    When purchasing a new property, the buyer must ensure that they receive a current (not older than two years) Certificate of Compliance from the seller. A Certificate of Compliance is valid for two years but there is no requirement to obtain a new one unless you alter the electrical reticulation or sell your building.

    In other words, if you purchase a building with the appropriate electrical certificate of compliance and make no electrical changes, you need not obtain a new certificate until you sell the building.

     
 

Ready to protect what matters most?

Whether you need cover for your home, business, or specialist risks, our team is here to help with tailored insurance solutions and expert advice you can trust.