← Exit to home
Signed in as Jonathan Havemann
Units 1712 · 1806 · 1640 · 1437
Home Owners · Rental Cover

Insurance built for Harbour Arch landlords

Prototype Demo build for Kyle, James & Francois — v0.2 · 18 May 2026. Pricing is indicative, structure is real.
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.

Pre-fills monthly rent, unit value, and lease status from PayProp + HA register.
Used to size Loss-of-Rent cover.
Insured value — not market price.
HA-screened tenant (default)
Self-screened
Vacant — letting in progress
HA-screened tenants attract a ~12% Loss-of-Rent discount based on cohort data.
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
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

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
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 are covered for. Underwritten through a licensed insurer; full underwriter disclosure is provided with your policy schedule. 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
Get in touch with your Property Specialist.
KI
Property Specialist
Kyle Illman
Will call you within 24 hours to walk through the schedule.
J
Property Specialist
James
Available on WhatsApp for claims and policy questions.
This is a prototype. No actual policy has been bound, no debit order has been set up, and your Property Specialist is not actually calling. The numbers, structure, agent assignment and copy reflect the live proposal under discussion with Harbour Arch.