Harbour Arch Rental Cover

Step 1 of 4

Tell us about your unit

We use this to calibrate cover to your lease — short re-let cycle, screened tenant, the works. Anything pre-filled below is pulled from the Harbour Arch portfolio register.

Which unit are we covering?

Pre-fills monthly rent, unit value, and lease status from PayProp + HA register.

Monthly rental (R)

Used to size Loss-of-Rent cover.

Replacement value (R)

Insured value — not market price.

Tenant screening profile

HA-screened tenant (default)

Self-screened

Vacant — letting in progress

HA-screened tenants attract a ~12% Loss-of-Rent discount based on cohort data.

Number of units you let through Harbour Arch

1 unit

2 units

3 units

4+ units

Portfolio landlords (3+ units) qualify for an 8% multi-policy discount.

Step 2 of 4

Build your cover

Loss of Rent is the core — it's why this product exists. Stack on legal, buildings top-up, and geyser cover to your taste. Everything below is monthly.

Loss of Rental Income

Replaces rent during default, abscond, or eviction.

R180
/ month

Cover duration

3 months

4 months (HA cohort default)

5 months

Eviction & legal-expense cover

Attorney + court costs to recover the unit if a tenant won't go quietly.

R85
/ month

Legal cost cap

R50 000

R100 000

R150 000

Buildings replacement-value top-up

Tops up the body corporate cover to insured replacement value for your unit.

R344
/ month

Geyser & burst-pipe

High-frequency SA peril — covered with rapid plumber dispatch.

R45
/ month

Step 3 of 4

Your quote · Unit 1437

Everything below is what you'll be debited monthly. Schedule, exclusions and full policy wording follow at issue — your Harbour Arch agent walks you through it.

Monthly premium

R621/mo

Annual premium

R7 452

Total cover in force

R1.76m

Policy schedule · preview

Net monthly premium

After HA & portfolio discounts

R621

Structure: Underwritten by OMART (FSP 47546) through the SIS Cell Captive. Distributed under the Harbour Arch Properties FSP licence by an authorised FAIS representative. Cover is subject to the policy wording, claims protocol and exclusions issued with your schedule. Premiums are inclusive of VAT and broker commission of 20%. This is a regulated short-term insurance product — please ensure you understand what you're covered for. Demo build — no policy is actually issued.

✓

Cover bound

You're covered, Jonathan.

Your Harbour Arch Rental Cover policy is in force from tomorrow, 00:01.
A digital schedule has been emailed and is in your HA landlord portal.

POLICY · HA-RC-2026-001437

Premium

R621/mo

First debit

1 Jun 2026

Renewal

1 Jun 2027

KvR

Kyle van Rooyen

Your Harbour Arch rental agent

Will call you within 24 hours to walk through the schedule.

This is a prototype. No actual policy has been bound, no debit order has been set up, and Kyle is not actually calling. The numbers, structure, agent assignment and copy reflect the live proposal under discussion with Harbour Arch agents and the SIS cell.