The Econorisk Personal Lines Policy provides cover for your personal assets. Our policy offers extensive cover, from your motor vehicle or the roof you sleep under at night, to your household contents and the hard-earned watch you wear when you leave your home.
Your home, your car, your valuables, and your family - the things that matter most in life deserve protection that is personal, comprehensive, and built around you.
Cover for the physical structure of your home against fire, storm, flood, theft, and other insured perils
Protection for your furniture, appliances, clothing, and personal belongings inside your home
Cover for claims made against you personally for injury or property damage caused to a third party
Comprehensive, third-party fire and theft, or third-party only cover for your personal vehicles, including motorcycles
Specialist cover for boats, jet skis, and other watercraft
Cover for portable valuables such as jewellery, laptops, cameras, and other items you take outside your home
Financial protection for you and your family in the event of accidental injury, disability, or death
Personal insurance is designed for any individual who owns assets, lives in a home, drives a vehicle, or simply wants financial protection against the unexpected events that life in South Africa can bring. Whether you are a first-time homeowner taking out your first buildings and contents policy, a young professional insuring your vehicle and portable valuables, a family protecting everything you have worked hard to build, or a high-net-worth individual with a complex personal risk profile - Econorisk has the expertise and the market access to find the right cover for you.
Personal insurance is particularly important in South Africa given the elevated risks of vehicle theft and hijacking, residential burglary, severe weather events, and the significant financial consequences of an uninsured liability claim. Having adequate personal insurance in place is not a luxury - it is a fundamental part of responsible financial planning. Our specialist personal insurance team works with clients at every stage of life and at every level of asset value to make sure their cover is correctly structured, competitively priced, and genuinely protective.
The Econorisk Assist app puts instant support at your fingertips - 24 hours a day, 7 days a week. Whether you need roadside assistance after a breakdown, help managing a home emergency, or guidance through the claims process after an incident, Econorisk Assist is designed to make sure help is always just one tap away. Here is what the app offers:
Econorisk Assist is the kind of smart app that adds value, not digital distance. It is fast, easy, and efficient to use - while our traditional way of providing personal advice and expertise to manage the complexities of your personal insurance will always remain a constant.
Get in touch with our personal insurance team and tell us about your home, your vehicles, your valuables, and the risks you want to protect against. The more we understand your personal risk profile, the better we can tailor agri insurance cover that fits your life.
Our specialist personal insurance brokers go to market on your behalf, comparing options across a panel of leading personal lines insurers to find the most appropriate cover at the most competitive premium for your specific assets and lifestyle.
Once your personal insurance cover is in place, our relationship doesn't end there. You have access to the Econorisk Assist app for 24/7 support, and our team is here to help with policy queries, renewals, and to guide you through the claims process if and when you need us.
Personal insurance is a category of short-term insurance that covers individuals against the financial consequences of loss or damage to their personal assets and liability claims made against them personally. In South Africa, a comprehensive personal insurance programme typically includes homeowners insurance for the structure of your property, householders insurance for your contents, motor vehicle insurance, personal all risks cover for portable valuables, personal liability cover, personal accident cover, and watercraft insurance where applicable. The right combination of covers depends on your specific assets and lifestyle.
Yes. If you have a home loan registered against your property, your bank will require you to have homeowners insurance in place as a condition of the bond. Homeowners insurance covers the physical structure of your property against risks such as fire, storm, flood, and malicious damage. The sum insured should reflect the full replacement cost of rebuilding your home from scratch, not its market value. Many homeowners are underinsured because their buildings sum insured has not kept pace with increases in building costs, which is why reviewing your cover annually with a specialist broker is so important.
Homeowners insurance, also known as buildings insurance, covers the physical structure of your property - the walls, roof, floors, built-in cupboards, and permanent fixtures. Householders insurance, also known as contents insurance, covers the moveable items inside your home - furniture, appliances, clothing, electronics, and personal belongings. Both covers are essential for any homeowner or tenant, but they address fundamentally different risks. A specialist personal insurance broker will make sure both are correctly structured and that your sums insured accurately reflect the replacement value of your property and contents.
Personal all risks insurance covers portable personal valuables that you take outside your home - such as jewellery, watches, laptops, cameras, handbags, and spectacles. These items are not covered under a standard householders policy once they leave your home, which is why personal all risks cover is an important addition to any personal insurance programme. You can insure specific high-value items on an individually specified basis, or cover a broader range of items under an unspecified all risks limit. A specialist broker will advise you on the most appropriate structure for your specific valuables.
Yes. A comprehensive motor vehicle insurance policy in South Africa covers your vehicle against theft and hijacking, in addition to accident damage and third-party liability. Given South Africa's elevated rate of vehicle crime, comprehensive motor insurance is strongly recommended for all vehicle owners. Some policies also include additional benefits such as car hire while your vehicle is being repaired or replaced, roadside assistance, and emergency towing. Your broker will help you compare motor insurance options and make sure your cover includes the benefits most relevant to how and where you drive.
Personal liability insurance covers you against claims made by third parties for accidental injury or property damage that you caused in your personal capacity. For example, if a visitor to your home is injured on your property and holds you liable, or if your child accidentally damages a neighbour's property, personal liability insurance covers the legal costs and any resulting settlement or judgement. Without personal liability cover, you could be personally financially responsible for these costs. Personal liability insurance is typically included as part of a comprehensive personal insurance programme and is one of the most important yet overlooked covers available to individuals.
The Econorisk Assist app is a smart, easy-to-use mobile application that gives Econorisk clients instant access to support and assistance at any time of the day or night. Through the app, you can lodge a claim, manage your policy, request roadside or home assistance, access emergency contact numbers, and report an accident - all with a single touch. The app is designed to make the insurance experience faster, simpler, and less stressful, particularly in the moments when you need help most. It is available to all Econorisk personal insurance clients at no additional cost.
The best way to get a personal insurance quote is to speak to a specialist personal insurance broker who can assess your specific risk profile and compare options across multiple insurers on your behalf. A broker will take the time to understand your assets, your lifestyle, and your budget before recommending cover - rather than simply providing a generic quote based on a few basic details. Econorisk specialises in personal insurance and can provide a tailored quote that reflects exactly what you need to protect. Get in touch with our personal insurance team at personal@econorisk.co.za to get started.
Contact us at personal@econorisk.co.za and one of our risk specialists will assist you with all your personal insurance needs.
