Home Insurance

Provides cover for structural outbuildings, houses, as well as the house contents within the insured property.


Household Insurance

Definition of Cover
This Insurance product covers fixed buildings, immovable property,
fixtures & fittings, outbuildings, walls, gates, fences on the same premises
and used solely in connection with the insured.

What is Covered?
The following are covered under UGI’s House Owners Cover.
I. Accidental damage to the structure of the house
II. Fire, lightning and explosion
III. Storms and wind, Water, hail and snow
IV. Bursting or overflowing of water tanks/ pipes
V. Earthquake
VI. Theft or attempted theft of fixtures and fittings
VII. Power surge

SNL Cover
I. We also cover houses under Swazi Nation Land



House Contents

Definition of Cover

This insurance product covers the loss or damage to the contents as a
result of any of the insured events.

Insured Events

I. Fire Lightning and Explosion
II. Storms and Wind, Water, Hail and Snow
III. Bursting or overflowing of water tanks / pipes
IV. Theft or Attempted Theft from the building or outbuildings
V. Accidental Impact on the exterior portions of the building

SNL Cover

I. We also cover houses under Swazi Nation Land

The Home Insurance Benefits

Debris removal

Debris Removal

UGI provides debris removal where before reconstruction, the debris from the damage will have to be removed from the site.

Lock and Keys

Lock and Keys

UGI provides for damage & or loss of keys and locks during a break in. Insurance will pay for the replacement.

Medical expenses

Medical Expenses

UGI provides for any medical fees as a result of injury incurred within the Insured premises by the Insured.

Home Insurance Online Services

Download our Brochure.

Start Your Application Process

I am interested in the Home Insurance product

Frequently Asked Questions

Get all of your questions answered under the FAQs

  • It all depends on the type of cover and claim and usually these we settle the fees with the repairer not to you as a client.
  • Home – repairers quote, police report in case of theft or malicious damage, and filled out claim form.
  • No claim will be paid unless premiums are up to date.
  • Yes, provided that the policy is cancelled immediately.
  • No cash back, but there is a NCB for motor policies.
  • It is not automatic. Therefore, we need to be notified about the death and that cancellation is required.

12 Months for individual Policies and 6 Months for Group Policies. However, there is no waiting period for accidental death.

  • You would have to find your own valuator and get them to evaluate your home. The charges are at your own cost. We do however suggest evaluators to clients should they need some guidance.