Get a home insurance quote
Earn up to 30% cashback – even if you claim
Safety Returns rewards you for staying safe. Earn up to 30% cashback on your premiums every year – even if you claim.
Free home emergency assistance
We’re here for you 24/7 for assistance with unforeseen home emergencies.
Safety Alert panic button
Access over 1,800 emergency responders whenever you feel unsafe through our Safety Alert mobile panic button.
What is home insurance?
![A person standing in a kitchen reaching toward a smartphone requiring emergency assistance at home.]](https://sls-fresco.momentum.co.za/files/images/momentum-insure/what-is-home-insurance-2-1.webp)
Home insurance (also known as household insurance in South Africa) financially protects your home and belongings against unexpected events like damage, loss, or theft. It covers both the structure of your home and the personal items you use every day, whether they're inside your house or taken with you.
What does home insurance cover?
The table below breaks down the main types of household insurance so you can quickly understand what’s included and choose the option that best fits your needs.
Comparison of types of home insurance and what is covered
Building insurance
Covers damage to the structure of your home caused by events like fire, storms, explosions, impact, or theft.
Who it’s best for: homeowners
Home contents insurance
Covers your personal belongings inside your home, including furniture, electronics, and valuables, if they are lost, stolen, or damaged.
Who it’s best for: renters and homeowners
Portable possessions
Covers items you take outside your home, like your cellphone, laptop, handbags, and jewellery. It protects your essentials if they are lost, stolen, or damaged while you’re out or travelling.
Who it’s best for: anyone with valuables
Momentum home insurance cover options
Protect what matters most with Momentum Insure’s home insurance solutions — keeping you, your loved ones, and your valuables safe.
Momentum Select
Affordable insurance cover that does more than just protect the things you love, Momentum Select protects you and those you love too.
Momentum Priceless
Car cover for the person who is focused on creating wealth and protecting their hard-earned vehicle.
Momentum Envoy
Designed for the high net worth individual, Momentum Envoy understands the importance of reputation, trust, expert advice and that personal touch.
![A homeowner inspecting a kitchen gas stove installation.]](https://sls-fresco.momentum.co.za/files/images/momentum-insure/why-choose-home-insurance-2-1.webp)
Why choose Momentum home insurance
Protect your home and everything that makes it special with cover designed for South African households. Get reliable protection plus added benefits that give you extra peace of mind when life happens.
- Insurance designed for South African homes and lifestyles.
- 24/7 emergency assistance when you need urgent help.
- Up to 30% cashback rewards as an added benefit for staying covered.
Explore our benefits and rewards
Home insurance should do more for you. With Momentum Insure, you get rewarding benefits, proactive safety features, and on-the-go assistance that support you beyond just claims.
Get a home insurance quote and switch to an insurer that gives you more value and peace of mind.
Save on your home security
We believe that a safer home deserves a lower risk profile. As part of our commitment to your safety, all active Momentum car and home insurance policyholders qualify for an exclusive 30% discount on industry-leading Maxidor Ultra trellis security gates and doors.