Protect the Physical Foundation
of Your Wealth.
EBC helps property owners secure comprehensive cover for the bricks, mortar, and permanent fixtures of their homes against unforeseen disasters.
Why Use EBC for Your Buildings Cover?
The Independent Broker Advantage
Accurate Replacement Valuations
We guide you in insuring your property for its true replacement cost, helping you avoid the devastating financial trap of underinsurance.
Unbiased Comparison
We compare across South Africa's top insurers to find the absolute best premium-to-cover ratio for your specific property.
Expert Claims Advocacy
We stand in your corner when dealing with complex structural damage assessments and loss adjusters, ensuring a fair settlement.
What Exactly Does Buildings Insurance Cover?
It covers the physical structure and permanent fixtures. A simple rule of thumb: anything that wouldn't fall out if you tipped the house upside down.
Fire & Explosions
Protection against devastating fires, lightning strikes, and explosions that can destroy a property's structure.
Weather Damage
Cover for severe South African weather events, including violent storms, wind, destructive hail, and flash floods.
Water Damage
Protection against the sudden and unforeseen damage from burst geysers or hidden underground water pipe leaks.
Accidental Impact
Cover for structural damage caused by sudden impact, such as falling trees or a vehicle colliding with your boundary wall.
Primary Residences vs. Investment Properties
At EBC, we cater to all types of property portfolios. The way you use your property significantly alters its risk profile in the eyes of an insurer.
It is crucial to have specialized cover not just for your primary residence, but also for coastal investment properties and short-term rentals (such as Airbnb properties in Umdloti or La Mercy).
A property left vacant for long periods or occupied by short-term tenants faces different risks than an owner-occupied home. We ensure your policies are structured correctly so that a claim is never repudiated due to incorrect usage disclosure.
Protecting your investments, from the suburbs to the coast.
The Golden Rule: Updating Your Cover
Your policy must always reflect the current replacement value of the home—what it would cost to rebuild it from the ground up today—not the original purchase price or the municipal value.
You must notify EBC to increase your cover when:
- Completing major home renovations or extensions.
- Redesigning floor plans or upgrading kitchens with high-end finishes.
- Adding new en-suite bathrooms, swimming pools, or solar installations.
Get Your Buildings Insurance Quote
Let EBC source the most competitive and comprehensive structural cover for your property.
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