Legacy

The Brick and Mortar home insurance solution


Legacy

The Brick and Mortar home insurance solution. If you own a property located in the townships and rural villages, you can insure it.


Now you’re covered. This journey is only beginning and we intend to always get better at giving you what you really need. For example, you didn’t know this, but, without a valid address it would be difficult to get insurance for your home. Until now.


We will make it easier to locate your home emakhaya okanye ekasi. Send us a picture, drop us a pin and our technology will do the rest.


Awesome service – We are built to understand your reality. We are you. Whether you talk to us via our digital platforms or through our call centres we are geared up to help you get the best cover for your circumstances.


The power is in your hands -You built or renovated your home and every brick that was laid represented the hope of your forebearers for a better tomorrow. And now here you are. By adding some Sugar, you can decide the value you want to cover your home for. Don’t worry, we’ll guide you.



Now you’re covered. This journey is only beginning and we intend to always get better at giving you what you really need. For example, you didn’t know this, but, without a valid address it would be difficult to get insurance for your home. Until now.


We will make it easier to locate your home emakhaya okanye ekasi. Send us a picture, drop us a pin and our technology will do the rest.


Awesome service – We are built to understand your reality. We are you. Whether you talk to us via our digital platforms or through our call centres we are geared up to help you get the best cover for your circumstances.


The power is in your hands -You built or renovated your home and every brick that was laid represented the hope of your forebearers for a better tomorrow. And now here you are. By adding some Sugar, you can decide the value you want to cover your home for. Don’t worry, we’ll guide you.

Building & Contents cover



We will make it easier to locate your home, emakhaya okanye ekasi. Awesome service – We are built to understand your reality. We are you. Whether you talk to us via our digital platforms or through our call centres we are geared to help you get the best cover for your home. We understand that Ikhaya lakho, your home, is deeply intertwined with your roots and your reality. It is not just a house or set of buildings on a plot of land. It houses a collection of your memories. It tells a story of progress. And it stands as a symbol of pride. Sugar’s Legacy home insurance product has made it easy for you to say, “look mama, I made it”. It is our mission to make sure that your home receives the best cover to keep you on track with your legacy building….”Legacy Building….see what we did there?!

Ok sweet. So here’s how it works...



Our home insurance, Legacy, covers your brick and mortar home, other structures on your property and certain possessions inside your home, if you chose contents cover. When a storm hits in the form of wind, water, hail, snow or flooding, and your building is damaged as a result, Sugar has you covered. But if you want a little more Sugar, at an additional cost of course, you can opt to cover against natural earthquakes, leaks and overflows of water, theft and accidental damage or breakage. Insurance won’t prevent accidents from occurring, but it will provide a financial safety net when the unexpected happens.

Buildings and home contents calculated



We will cover any property built with brick and mortar for a minimum replacement value of R50,000 and a maximum of R2,000,000. Using this as a guide, decide on a replacement value for your buildings and then try our online quote system by answering a few important questions and then, get covered. Our call centre agents, we call them crystals, can also guide you to your perfect cover for your legacy.

Subject to the terms, conditions, benefits and exclusions included in the policy wording

Buildings


    We will cover you for damage to the building caused by:


  • Fire, lightning or gas explosion
  • Storm, wind, water and hail

  • At an additional cost, you can also include cover for damage caused by:

  • Impact with the building or falling trees
  • Natural Earthquake
  • Leaks and overflow of water
  • Theft of any part of the building
  • Accidental damage or breakage of fixtures and fittings

Household Contents


    We will cover you for damage to your Household contents caused by:


  • Fire, lightning or gas explosion
  • Storm, wind, water or hail
  • Theft
  • Natural Earthquake
  • Accidental damage at your home
  • Impact with the building or falling trees
  • Leaks and overflow of water

What's not covered: Buildings


  • Lack of maintenance
  • If the building is unoccupied for more than 30 days
  • Defective design, specifications
  • Damage to the building if the building is not fully built.
  • Any other event that is not listed above as included

What's not covered: Contents


  • Breakdown, vermin or damp
  • Certain specific items like prepaid phone cards
  • Vehicles
  • Collections of any kind
  • Theft if your home is unoccupied for more that 7 days
  • Lack of maintenance
  • Defective design, specifications
  • Damage to the building if the building is not fully built.
  • Any other event that is not listed above as included



ASK A QUESTION BELOW

Please use the form below to send us any product related question you have

ASK A QUESTION BELOW

Please use the form below to send us any product related question you have