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Home insurance

Our home insurance offering provides a wide range of cover options for home contents, buildings and personal effects. Oakhurst Home insurance is perfect if you want to build your own cover and insure all your assets under one policy. You’ll also receive Gold Club’s benefit called Household Emergency which provides you with the assistance of various service providers such as plumbers, electricians and locksmiths.

We provide cover for loss or damage caused by:

  • Fire, lightning, explosions and earthquakes
  • Storms, wind, hail, snow and flooding
  • Water or oil leakage from household appliances
  • Theft or attempted theft
  • Collisions or impacts by vehicles, animals, falling branches or trees, aircraft or other flying objects or anything dropped from them

We offer:

  • Buildings
  • Contents
  • Portable Possessions
    (All Risks)
  • Personal liability
  • Personal accident
  • Watercraft

Home products



Building insurance covers the cost of repairing or replacing the permanent structures on your property as well as permanent fixtures, fittings and improvements. It includes the price of skilled labour, debris removal and the demolition of what is left of the building.

We provide cover for:

  • Houses
  • Garages
  • Outside buildings
  • Driveways
  • Walls
  • Fences
  • Hedges
  • Gates
  • Swimming pools
  • Tennis courts
  • Patios
  • Terraces
  • Drains






Your most prized personal possessions and household items are often at risk of loss or damage, making it vitally important that they are properly insured. Our home contents insurance covers the cost of repairing or replacing items in your home such as your clothing, furniture, carpets, household appliances as well as valuables.

Some of the additional cover you will receive:

  • Emergency services
  • Guards
  • Loss of rent
  • Keys/ locks/ remote controls
  • Deepfreezer and fridge contents
  • Theft of money
  • Property of guests
  • Electronic equipment

Portable Possessions (All Risks)

Portable Possessions insurance (also known as All Risks insurance) provides cover for both specified and unspecified items that you carry on you which may experience a loss or be damaged. This cover is world-wide.

Examples of unspecified items include jewellery, clothing and personal items. There’s a maximum value each item can be covered for. Specified items worth more than a certain value need to be specifically listed with its value noted on your policy. Examples include bicycles, cell phones, cameras, laptops, tablets and sunglasses.





Personal liability

Accidents happen and often have dire financial consequences! Our Personal Liability cover offers you protection against the risk of having to pay third parties in such circumstances.

Expenses you may become legally responsible for include:

  • Accidental death, bodily injury or illness; or
  • Accidental loss or damage to property.





Personal accident

We provide cover for you, your family and members of the same household (listed on your policy) in the event of injury, death or disability due to an accident.

We cover:

  • Accidental death
  • Accidental permanent disability
  • Emergency medical expenses (a contribution is made towards these costs)

Additional cover:

  • Final expenses
  • Trauma benefit
  • Victim of violence






Get the right cover for your watercraft against accidental loss or damage. This cover includes loss or damage of the vessel and trailer while being towed, as well as third party liability.

We cover:

  • Perils of the sea, rivers, lakes or other navigable waters
  • Fire, earthquake, lightning or explosion
  • Collision with harbour equipment or installation aircraft and other aerial devices or dropped from them
  • The theft of your vessel, outboard motors, machinery, equipment,electronics and trailer
  • Loss or damage of the vessel and trailer while being towed
  • Third party liability

We provide cover for:

  • Motor boats
  • Ski boats
  • Sailing boats
  • Rowing boat/ bakkies
  • Canoes

  • Windsurfers
  • Rubber dinghies
  • Jet skis/ wet bikes
  • Paddle skis
  • Yachts

Read more




Additional benefits

Gold Club Household Emergency

If you have a household contents insurance policy with us, you’ll enjoy 24/7 access to:

  • Plumber assistance
  • Electrician assistance
  • Appliance assistance
  • Glazier assistance
  • Locksmith assistance
  • Referral services

Find out more

Client testimonials

A very BIG thank you

“I was more stressed over the [claims] process than about my car being stolen but from the start Rianne was amazing. A very BIG thank you to all involved; I will recommend you to my family and friends.”

Laetitia Murray, Meyerton
Professional and polite

“If you have Oakhurst Insurance on your side they value your money. I did not have a problem when I was submitting my claim…Adri Zana, she was so professional and polite. I could feel that she was happy making that courtesy call…I could see her smiling to me during our conversation over the phone.”

Joseph Nkambule, Benoni
Vriendelike hulp

"Baie dankie Adri, ons waardeer dit baie. Ons het nog net spoedige en vriendelike hulp van jou gekry."

Jacques Bosch, Witbank

*Please note that client testimonials found on this or any other page on this website do not constitute as financial advice.