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Community insurance

No matter the complexity of your community… We’ve got you covered

In a nutshell

Your community scheme’s insurance has to cover certain things. There are real rules about this! So, our legal team has made sure that our insurance complies fully with all the relevant legislation and the long arm of the law won’t come after you. And, communities that have royal maintenance, repair and replacement plans (MRRPs) get discounts on their royal community insurance!



We’re street legal

King Price community insurance complies with (and even exceeds) the requirements of all the relevant legislation.

For example, all community schemes have to have cover for money lost because of fraud by an insured person. So, we include R1 million fidelity guarantee cover absolutely FREE. Also, community schemes need public liability cover of at least R10 million... And we allow R50 million for this, at no additional cost to you.

We also edit the legalese out of our policies (as far as possible) so that it’s super easy for every 1 to understand the ins and outs of their royal policies. We’re nice like that.



Because we love all our clients, we offer the following:

  • We conduct a FREE risk and condition assessment on every risk and then use this info to define any possible hazards, which helps to prioritise your scheme’s risk management goals.
  • With the easy-to-use Urbanise platform, you’ll be able to speed up claim and repair processes, and eliminate paperwork and outdated manual processes.
  • The Urbanise platform also keeps every 1 in the loop, all the time. (Technology is a wonderful thing!) But our community schemes insurance clients can also call our 24/7 account managers for help and advice.
  • We hand-pick all our qualified suppliers in conjunction with you and your managing agent, so that you only deal with the best of the best.


Here’s what the king covers when you take out our community insurance:

  • Building and common area contents.
  • Machinery breakdown.
  • Electronic equipment.
  • Public liability.
  • Office bearer’s liability.
  • Fidelity.
  • Employer’s liability.
  • Voluntary workers’ personal accident.
  • Motor cover.
  • Claim preparation costs.
  • Geysers.


Because we love all our clients, we offer the following:

  • Subsidence and landslip.
  • Flood resilience and protection.
  • Loss of rent or levies receivable, and the cost of alternative accommodation.
  • The eviction of illegal occupants.
  • Gardens, garden furniture and water features.
  • Home modifications.
  • Loss of water.
  • Damage caused by power surges.
  • Energy-efficient and sustainable buildings.
  • Medical, trauma and funeral costs.
  • And more!
Let’s chat!