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Average customer rating
A low premium only helps you if the cover behind it still pays out. Here's exactly what sets your price, which parts of it you control, and how to bring it down.
⭐4.7 on Hellopeter | ⏱️ Home claims paid in 4 days on average
R10 million
paid in claims, on average, every single day
4.7 ★
Hellopeter · 111,915 reviews
96%
got it right (National Financial Ombud)
60,000+
quote requests every month
Here's the trap. Two quotes land in your inbox. One is R200 a month lighter, so you take it. What you didn't see is that it insured your contents for R200,000 when they're worth R400,000. Come claim day, you get half of everything.
Cheap because it's thin
Cheap because it's efficient
Premiums are risk profile-dependent, paid monthly and reviewed annually.
Not 9. Not 9.5. Ten. Here's why South Africans trust the king.
10/10
Trust Index on Hellopeter
96%
of claims got it right (NFO)
4 days
average home claim turnaround
Top Employer
South Africa 2026, certified
Cheap home insurance FAQs
Find clear answers to the most common home insurance questions in South Africa. Learn how cover works, what affects your premium, and how to save with King Price.
There is no single price. Your premium depends on your sum insured, your suburb and its claims history, your security measures, the excess you choose, your claims record, the type of home you live in and whether you bundle other products on the same policy. That is why a quote takes a couple of minutes rather than being a number on a page.
Choose a higher excess, keep your security measures working and up to date, bundle your buildings, contents and car on one policy, keep your sum insured accurate rather than inflated, and review your cover once a year. On contents, fire and fury cover costs less than comprehensive because it excludes theft.
No. The cheapest policy is often cheap because it is under-insured. If you insure your contents for half their replacement value, you get paid half of every claim. The right measure is the lowest premium for the correct sum insured, not the lowest premium full stop.
Yes. King Price offers a flexible excess. Taking on more of the first portion of a claim yourself lowers your monthly premium. Just make sure the excess is an amount you could actually pay if you had to claim tomorrow.
Putting buildings, home contents, portable possessions and your vehicles on one King Price policy means one debit order, one point of contact and one place to manage everything. Ask our team what it does for your specific premium when they call.
No. Your home loan provider can require you to have buildings insurance, but you are free to choose which insurer provides it. Many South Africans save by moving that cover off the bank policy.
About 2 minutes. Give us your name, cell number and email and we will call you back with a tailored quote.
Yes. King Price Insurance Company Ltd is a licensed South African short-term insurer and registered financial services provider, FSP no. 43862, Reg no. 2009/012496/06.
*When your car is comprehensively insured. Premiums are risk profile dependent and reviewed annually
Licensed insurer | Authorised FSP 43862 | T's & C's apply | All quotes are commitment-free.
