Fire damage
Damage caused by fire, lightning and explosions.
Home Subscription Insurance
Protect your home.
Protect your home.
Pay a subscription, not a premium.
Full comprehensive home cover from R99 p.m. Zero excess. No lock-in. Only pay a risk-based premium if you actually claim.
- From R99 p.m.
- Zero excess on claims
- Cancel anytime
48 hoursAverage claim
R0Excess fees
24/7Claims support
Get a quote
Your quote, live as you fill it in
Enter your property details and see your subscription, post-claim premium and surcharge waiver update in real time.
Zero excess disclaimer
Price Insure's Home Subscription Insurance offers full comprehensive home cover with ZERO EXCESS when you claim. You won't pay any out-of-pocket excess fees when submitting a claim. Policyholders start by paying a monthly subscription fee until a claim occurs. When a claim is made, it triggers the post-claim premium — a risk-based premium for a prescribed period, depending on the claim value.
Unique benefit: unlike traditional insurance where you pay risk-based premiums immediately, our subscription model lets you pay the higher premium only when you actually need to claim.
Coverage
Comprehensive home protection
All the cover you need to keep your home safe and secure.
Theft & burglary
Theft, burglary and malicious damage.
Household contents
Furniture, appliances and personal belongings.
Weather damage
Storms, hail, floods and other weather events.
Structural damage
Damage to your home's structure and permanent fixtures.
Alternative accommodation
Temporary housing if your home becomes uninhabitable.
How it works
Four simple steps
Simple, transparent protection for your home.
1
Pay your subscription
A low, fixed monthly fee (from R99) keeps your comprehensive home cover active.
2
Your home is protected
Full comprehensive cover from day one — with zero excess on any claim.
3
Only pay more when you claim
If you make a claim, an additional risk-based premium applies for a set period.
4
Fast claim settlement
SA-based assessors and an efficient process get your repairs started quickly.
Your home. Fully protected.
Pay a low subscription, stay covered, and only pay more if you actually claim.
Lower premiums
No lock-in
Approved contractors
Why Home Subscription
All the cover. None of the overpaying.
Traditional home insurance loads your premium based on perceived risk — whether or not anything ever happens. Our subscription model flips that: you pay a low fixed fee for full cover, and only pay more if you claim.
- Zero excess on any claim
- Fixed monthly subscription — no surprises
- Cancel anytime, no penalties
- Building, contents, or both — your choice
- Real people on WhatsApp and phone, 7 days a week
Real homeowners
What our members say
Trusted by thousands of South African homeowners.
"When a storm damaged our roof, Price Insure had assessors out within 24 hours and our claim was settled in just 3 days. The subscription model saved us hundreds compared to traditional home insurance."
"I love that I'm not overpaying for home insurance I might never use. The subscription model makes so much sense, and the coverage is just as good as what I had before — at half the cost."
FAQs
Home Subscription questions
Everything you might want to know before you sign up.
How is this different from traditional home insurance?
Traditional home insurance requires high monthly premiums regardless of whether you claim. Our subscription model lets you pay a low monthly fee for comprehensive cover, with additional premiums only when you claim — significant savings if you don't need to claim.
What happens when I need to make a claim?
Contact our 24/7 claims line. We'll arrange an assessor to evaluate the damage (if needed) and guide you through the process. Once approved, you'll pay your post-claim premium and we'll cover the repair or replacement costs.
Is there really no excess to pay?
Correct. Unlike traditional insurance where you pay an excess fee per claim, our subscription model has no excess. You only pay the additional premium when you claim — no hidden fees.
Does this cover both my building and contents?
Yes. Home Subscription Insurance covers both your home's structure and your household contents. You can choose to insure just the building, just the contents, or both — whatever matches your needs.
How is the subscription calculated?
Your subscription is based on the value of your building and contents. Higher values fall into higher tiers, but the monthly fee stays fixed until you claim. Enter your details above to see the estimate.
Ready to protect your home?
Get comprehensive home cover today for a fraction of traditional insurance costs.