1st for Women Home Insurance Review
1st for Women Home Insurance at a Glance
- Comprehensive home contents and buildings insurance policies.
- Access to the Guardian Angel Assistance programme.
- Include handbag and pet insurance in your home contents insurance policy.
What we like:
The home insurance policies offered by 1st for women are generally comprehensive. The cover extends from the residents of the home to guests and domestic workers, so you can have peace of mind always. There are opportunities to earn cash back, and the Guardian Angel Assistance programme is especially enticing.
Best for:
1st for women’s home contents and building insurance policies are best suited to people who are looking for comprehensive insurance policies or general cover. It is better if you have a good idea of the value of your property and valuables, and are familiar with the myriad of benefits that come with the Guardian Angel Assistance programme to make the most out of your cover.
- Cover includes residents, guests and domestic workers’ belongings.
- 24-hour Home Assist benefit.
- Optional handbag cover.
- Limit to Home Assist call-outs.
Whether you’re a homeowner or a tenant, one of the smartest decisions you can make is to have a home insurance policy. Home insurance takes the financial burden of repairs and replacing items in your home in the event of damage or theft. 1st for women offers both home contents insurance and building insurance.
Their policies are tailored to your situation and budget; you get to choose the cover amount!
Insuring your property and its contents with a home insurance policy from 1st for women comes with a few extra perks, such as access to their Guardian Angel Lifestyle Assistance programme and the inclusion of veterinary expenses to your cover.
What Makes 1st for Women Home Insurance Different?
It’s a well-known fact that 1st for women’s insurance policies are designed with South African women in mind. This is why 1st for women automatically includes a quote for handbag cover in your home contents insurance quote. With their handbag cover policy, your handbag and its contents will be covered for up to R25,000.
The standout feature on 1st for women’s home contents and building insurance policies is their Guardian Angel Lifestyle Assistance programme, which offers more than just a helping hand in emergencies! If you need a plumber, electrician, glazier or locksmith, 1st for women will cover the cost of the call-out and for one hour of their labour.
If you’re looking to renovate your home, 1st for women will provide you with access to their list of trusted specialists. You can find all kinds of home improvement specialists on their database, from builders to painters and carpet specialists.
1st for Women Home Insurance Coverage Options and Benefits
Home Contents Insurance
1st for women offers two main types of home contents insurance policies: ‘Comprehensive Home Contents Insurance’ and ‘Fire and Storm Only Home Contents Insurance’. Their ‘Fire and Storm Only Home Contents Insurance’ offers financial compensation for valuable possessions that are ruined by acts of nature.
If you request a quote for home contents cover, 1st for women will automatically include handbag cover in that quote. And if you choose a comprehensive cover option, you will also automatically receive coverage for your pets. This mainly consists of financial compensation for veterinary bills if your furry family members are involved in a road accident.
The company’s ‘Comprehensive Home Contents Insurance’ covers your valuables if they are ruined by acts of nature, theft, water damage, and even freak accidents like objects falling from aircrafts. In this case, the term ‘acts of nature’ includes fires, floods, explosions, earthquakes, storms, and falling trees. The contents of your home are also insured if they are damaged during a break-in. Last but certainly not least, you can even claim for food spoilt by load shedding or unexpected power outages.
Building Insurance
Insuring the exterior of your building is just as important as insuring its contents. In fact, if you’re planning on purchasing a home of your own and financing it via a bank loan you may be required to have building insurance.
1st for women offers a ‘Comprehensive Buildings Insurance’ policy which covers the main physical structure of your home, as well as your outbuildings, garages, swimming pools, and fences. There is the option to add on geyser cover to your buildings insurance, where you’ll receive the cash to repair or replace your geyser if it breaks.
What’s covered under their ‘Comprehensive Buildings Insurance’? Well, the list is seemingly endless:
- Fire damage
- Storm and lightning damage
- Explosions
- Earthquakes
- Burst water pipes
- Falling trees
- Erosion of land
- Break-ins
- Theft
- Malicious damage
- Damage due to vehicles, animals, or aircrafts and their contents
On top of this, 1st for women offers homeowner’s liability cover which ranges from R5 million to R20 million.
Pricing and Discounts of 1st for Women Home Insurance
Given that your cover amount depends on the value of your property and valuables, your premium is unique to you. Other factors that affect your premium include the location and condition of your home, any security measures taken, your credit record and your claims history.
While you can’t change the location of your home, regular home maintenance can help you lower your premiums. Another way to lower your premiums is to increase your excess amount. Call the 1st for women customer service line for existing customers on 0861 33 93 39 to speak to a consultant about your excess payments.
1st for women offers their Cash Back Plus programme to customers for a small additional fee. The programme pays out a lump sum of cash if you successfully remain claim free for four years. How much will you receive in cash? You can either get all of your first year’s premiums or 25% of all your premiums to date. The lump sum does depend on which of these amounts is lower, but it’s tax-free!
Where 1st for Women Home Insurance Can Improve
Whilst 1st for women’s home insurance policies are comprehensive and based around the value of your property and its contents, there aren’t a range of cover options available. This might not be ideal for smaller budgets or people who want to choose the types of coverage they want to pay for. The home contents insurance only has two policies while the buildings insurance has one policy. And the Guardian Angel Home Assist programme does have an annual limit of five call-outs per household.
How to Request a Quote for 1st for Women Home Insurance
- Enter your name and contact number on their website to receive a call and quote.
- Call their customer service number on 0860 10 42 12 to get a quote from a consultant.
Frequently Asked Questions (FAQ)
How do I make changes to my 1st for women home insurance policy?
If you want to make any changes to your policy, it is best to call 0861 33 93 39 and chat with a consultant about your concerns and receive tailored guidance on the next steps.
Does 1st for women home insurance cover spoiled food?
Yes! Under their comprehensive home contents insurance policy, 1st for women covers food spoiled by power outages.
How do I decide my 1st for women home insurance coverage amount?
Ideally, your cover amount should be the amount of money you would need to replace items, rebuild your home, or conduct full repairs. Over-insuring will have you paying more than you need to in premiums, and under-insuring can leave you footing the bill if disaster should strike.
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