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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 — v0.3 · 19 May 2026. Tier structure, new products, full SMS→Telegram flow. 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, bedrooms, and lease status from PayProp + HA register.
Used to size Loss-of-Rent and Vacancy cover.
1-bed
2-bed
3-bed
Sets Landlord Contents sum insured.
Unfurnished
Furnished
Unlocks Landlord Contents cover (Standard / Premium tiers).
HA-screened tenant (default)
Self-screened
Vacant — letting in progress
HA-screened tenants unlock the best Loss-of-Rent rates, longer cover terms, and HA-exclusive products like Vacancy Cover and the Rental On Time Guarantee.
1 unit
2 units
3 units
4+ units
Portfolio landlords (3+ units) qualify for an 8% multi-policy discount.
Step 2 of 4

Choose your cover

Three tiers, designed around how Harbour Arch landlords actually let their units. Pick a tier or build your own from the underlying products.

Essentials
The basics
R185/mo
R218 before discounts
  • Loss of Rental Income3 months × monthly rent
  • Eviction & Legal CostsR50 000 cap
  • Landlord Contents
  • Vacancy Cover
  • Rental On Time Guarantee
Premium
Never worry
R845/mo
R950 before discounts
  • Loss of Rental Income6 months × monthly rent
  • Eviction & Legal CostsR150 000 cap
  • Landlord ContentsHigher limits, lower excess
  • Vacancy Cover2 mo/claim · 4 mo p.a.
  • Rental On Time GuaranteeRent in your account by the 3rd
Want to mix and match? Customise your cover →
Customise — pick & mix
← back to tiers

Loss of Rental Income

Replaces rent during default, abscond, or eviction. The core product.

R225
/ month
3 months
5 months (recommended)
6 months

Eviction & Legal Costs

PIE Act process, sheriff fees, legal counsel, court costs.

R150
/ month

Landlord Contents Furnished units

Covers landlord-owned furniture, appliances and fixtures against theft, fire, water and tenant damage. Excess R1 000 per claim.

R80
/ month

Vacancy Cover HA-managed only

Pays a percentage of rent during void periods. Max 2 months/claim, 4 months p.a. 30-day waiting period.

R300
/ month

Rental On Time Guarantee HA-managed only

Rent in your account by the 3rd of every month, whether the tenant has paid or not. We handle the recovery.

R75
/ 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
R394/mo
Annual premium
R4 728
Cover in force
R255k

Policy schedule · preview

Net monthly premium
After HA & portfolio discounts
R394
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 (OMART via SIS cell captive); 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.
Your policy docs land on Telegram in 30 seconds.

POLICY · HA-RC-2026-001437
Premium
R394/mo
First debit
1 Jun 2026
Renewal
1 Jun 2027

Your policy schedule is on its way to Telegram

We've sent an SMS with a one-tap link to activate your Harbour Arch bot. Every receipt, renewal reminder, and claims update lands in your pocket from now on.

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 Willis
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.
Live demo

SMS just landed on Jonathan's phone

In production this fires the moment cover is bound. The SMS contains a one-tap deeplink that activates the Telegram bot and links it to the policy.

9:41
●●●● 5G ▮
9:41
Thursday, 22 May
💬
Harbour Arch
now
Your Harbour Arch Rental Cover is active! Unit 1437. Tap to get your policy docs on Telegram: https://harbourarch.co.za/r/...
Harbour ArchSMS · today
Today · 9:41
Your Harbour Arch Rental Cover is active! 🏢

Policy for Unit 1437
Monthly premium: R394

Tap to get your policy docs on Telegram:
https://harbourarch.co.za/r/x7K9mN2pQ Open in Telegram
HA
Harbour Arch Cover
@harbourarch_bot · bot