How much building cover should I buy?
You should insure your building for the full rebuild cost, not what you paid for it. That includes the cost of labour, materials, clearing the site, and any council or professional fees. These extra costs can add 20–30% to the total rebuild value, so don’t leave them out.
I've spruced up my place; do I need to update my cover?
Yes. If you’ve renovated or added anything new (like a pool, flatlet, or even solar), it’s important to update your insured amount so you stay properly covered. You can do this quickly in the app.
Can I still insure my home if I rent out a part of it?
Yes, long-term rentals are fine. If you’re doing short-term lets like Airbnb or business rentals, we can’t cover the property at this stage.
What if my home is under a mortgage? Can I switch to Naked?
Definitely. We’re accepted by all major banks. Just send us the details of your current insurer and your bank facility number, and we’ll help you make the switch. Email us at help@naked.insure.
What do I do if I'm in an emergency?
Tap the ⚠ button in the Naked app for 24/7 emergency help — whether it’s a burst pipe, broken window, or any other building emergency. You can also call our emergency line directly on 0860 995 125.
What counts as a 'home emergency'?
Anything that risks damage to your home or its fixtures, and needs urgent action. For example, water flooding from a burst pipe, a broken window after a break-in, or damage to a garage door you can’t close. The app is your direct line to us, so don't hesitate to use it.
The bank's asking for proof of insurance. How do I provide it?
Open the app, go to your building policy, scroll down and tap “Confirmation of Cover.” You’ll be able to email the proof directly to yourself or your bank.
Is my geyser covered?
Yes. If it bursts or leaks and damages your home, that’s covered. The geyser itself is only covered if you’ve added Geyser Boost in the app, which takes care of repair or replacement.
I just got a solar system installed, is it covered?
Yes, just make sure your insured amount includes the cost of the system and its installation. You can update this in the app any time. Here’s a quick guide to insuring your solar panels.
Who does personal liability cover under my home policy?
Your policy includes you, your partner, and any financially dependent family members living with you, plus up to R10,000 cover for domestic workers.
What kinds of things does my building insurance cover?
Your policy protects your property from fire, flood, theft, and other insured events. It covers the permanent structure, outbuildings, driveways, walls and fixtures — basically anything you couldn’t pack up and take with you. Want to protect what’s inside too? Add a home contents policy.
How can I increase/decrease my cover?
Yup! Just open the app, tap on your building policy, and update your insured amount to match your home’s rebuild value.
If my dog bites someone, am I covered?
Yes, you're covered. If your furry friend gets a bit too enthusiastic, your personal liability cover covers incidents like these.
Does Naked have any additional excesses?
No. The excess you choose is the one you pay — no surprises or hidden fees.
When do I have to pay my excess?
You’ll need to pay your excess when you claim. It’s your contribution towards the cost of fixing the damage, and we’ll take care of the rest, up to your cover limit.
What does one flat excess mean?
It means no matter what you claim for, or how many things are affected, you’ll pay just one fixed excess amount. It keeps things simple and predictable.
Can I change my excess amount after the policy has started?
Yes! Life changes, and your excess can too. Head to the app, select your policy, and adjust your excess amount whenever you like.