Bredfin Insure

30/06/2026

𝗜𝘀 𝗬𝗼𝘂𝗿 𝗛𝗼𝗺𝗲 𝗜𝗻𝘀𝘂𝗿𝗲𝗱 𝗳𝗼𝗿 𝘁𝗵𝗲 𝗥𝗶𝗴𝗵𝘁 𝗔𝗺𝗼𝘂𝗻𝘁?

One of the biggest misconceptions in home insurance is believing your house should be insured for its market value. In reality, your home should be insured for its rebuilding value.

𝗜𝘀 𝗬𝗼𝘂𝗿 𝗛𝗼𝗺𝗲 𝗜𝗻𝘀𝘂𝗿𝗲𝗱 𝗳𝗼𝗿 𝘁𝗵𝗲 𝗥𝗶𝗴𝗵𝘁 𝗔𝗺𝗼𝘂𝗻𝘁?

𝗠𝗮𝗿𝗸𝗲𝘁 𝗩𝗮𝗹𝘂𝗲
This is what someone would pay to buy your property. It includes the value of the land, the location, nearby schools, and the demand for homes in your area.

𝗥𝗲𝗯𝘂𝗶𝗹𝗱𝗶𝗻𝗴 𝗩𝗮𝗹𝘂𝗲
This is the cost to rebuild your home from the ground up if it is completely destroyed. It includes demolition, rubble removal, building materials, labour, professional fees, and the cost of restoring your home to the same standard it was before the loss.

Land is not included because it cannot be damaged or rebuilt.

Why does this matter?

If your home is insured for the wrong amount, it could cost you dearly when you need to claim.

If you are 𝘂𝗻𝗱𝗲𝗿𝗶𝗻𝘀𝘂𝗿𝗲𝗱:
Your insurer might reduce your claim payment proportionally. This means you would have to cover a significant part of the rebuilding costs yourself.

If you are 𝗼𝘃𝗲𝗿𝗶𝗻𝘀𝘂𝗿𝗲𝗱:
You could end up paying higher premiums than necessary without receiving any extra benefit if you need to claim.

How do you make sure your cover is correct?

𝗧𝗮𝗸𝗲 𝘁𝗵𝗲𝘀𝗲 𝘀𝗶𝗺𝗽𝗹𝗲 𝘀𝘁𝗲𝗽𝘀:

• Base your insurance on the rebuilding value of your home, not the market value.
• Include all permanent structures such as garages, domestic accommodation, boundary walls, paving, swimming pools, and solar installations.
• Ask a qualified building valuer or quantity surveyor to calculate the rebuilding cost. Avoid estimating it yourself.
• Review your sum insured every year. Building costs increase over time, and regular updates help prevent accidental underinsurance.

A quick review of your home insurance today could save you from a costly surprise tomorrow.

If you're unsure whether your home is insured for the correct rebuilding value, speak to your financial adviser or insurance broker. A short conversation today could make all the difference when you need to claim.

20/05/2026

𝗦𝗧𝗢𝗥𝗠 𝗧𝗜𝗣𝗦 𝗔𝗧 𝗛𝗢𝗠𝗘:

1. Make sure we have your cell number to ensure that you receive an automated hail/ storm pre-warning message from Africa Weather.

2. It is important to clear gutters of leaves, twigs and any other debris regularly. Severe storms and hail could cause blocked gutters to overflow which could lead to a leaking roof and further damage.

3. Better quality gutters are able to withstand increased water flow during rainfall and hails storms.

4. Close all drapes, blinds or shades to prevent heavy rain, broken window glass and hailstones from entering your home which could.

Send a message to learn more

14/04/2026

𝗛𝗢𝗠𝗘 𝗦𝗘𝗖𝗨𝗥𝗜𝗧𝗬 & 𝗣𝗥𝗢𝗣𝗘𝗥𝗧𝗬 𝗩𝗔𝗟𝗨𝗘

Discover how home security upgrades increase your property value. Practical tips on securing windows and doors to protect your investment.

25/03/2026

𝗛𝗢𝗨𝗦𝗘𝗕𝗥𝗘𝗔𝗞𝗜𝗡𝗚: 𝗜𝗡𝗦𝗜𝗗𝗘𝗥 𝗜𝗡𝗙𝗢 - 𝗥𝗲𝗮𝗱 𝘁𝗵𝗲𝘀𝗲 𝗴𝗼𝗼𝗱 𝘁𝗶𝗽𝘀 𝗼𝗻 𝗵𝗼𝘄 𝘁𝗼 𝗺𝗶𝗻𝗶𝗺𝗶𝘀𝗲 𝘁𝗵𝗲 𝗿𝗶𝘀𝗸𝘀.

Research-based insights into how South African burglars plan and execute break-ins. Understand criminal behaviour to protect your home.

02/12/2025

𝗗𝗼𝗻'𝘁 𝗹𝗲𝘁 𝗮 𝗯𝗮𝗿𝗴𝗮𝗶𝗻 𝘁𝘂𝗿𝗻 𝗶𝗻𝘁𝗼 𝗮 𝗰𝗼𝘀𝘁𝗹𝘆 𝗿𝗶𝘀𝗸.

As holiday spending surges, iWYZE’s Alberto Gutierrez urges consumers to update their insurance. From covering new Black Friday purchases to securing portable items, cars, and unoccupied homes, proactive policy checks can prevent costly surprises and ensure peace of mind this festive season.

11/11/2025

Business-owned vehicles are increasingly the target of choice for hijackers, according to Tracker’s latest vehicle crime statistics.

https://www.instagram.com/p/DQ4w7vmjUDj/?igsh=MXFoeHg2ZzB3ODIyNg%3D%3D

30/10/2025

AARTO:
The Administrative Adjudication of Road Traffic Offences Amendment Act, commonly known as AARTO, officially comes into effect on December 1, 2025.

How fast you can drive without being fined and what fines you’ll pay beyond that... read more.

Are you aware of the new AARTO system coming into effect on December 1, 2025? Discover how speeding fines will change and what you need to know to avoid losing your licence.

27/08/2025

ᴍᴏᴛᴏʀɪꜱᴛꜱ ꜰᴀᴄᴇ ᴄʟᴀɪᴍ ʀᴇᴊᴇᴄᴛɪᴏɴꜱ ᴏᴠᴇʀ ᴘᴏᴏʀ ᴄᴀʀ ᴍᴀɪɴᴛᴇɴᴀɴᴄᴇ.

23/06/2025

There is a new type of Insurance coming our way in the very near future, AI Cover, read more here:

As artificial intelligence (AI) becomes embedded across industries, the insurance sector is faced with a dual challenge: how to leverage AI to improve operations, while also developing products to protect against its growing risks.

23/06/2025

"It’s not just about bodywork anymore, Think your headlight is just a bulb and a plastic cover? Think again. “Modern headlights can cost tens of thousands of rands to replace,” says Hanekom. “They often include advanced LED systems, sensors, and even cameras that talk to your car’s onboard computers.”

If you’ve ever been in a fender bender, you might assume it’s just a quick fix – knock the dent out, splash on some paint, and you’re good to go. But when it comes to today’s cars, it’s not quite that simple anymore.