At 2:47 AM, hackers compromised the smart building management system of a Umhlanga complex. By 3:15 AM, they'd disabled the electric fence, unlocked the basement access gates, and disarmed the alarm system. By 4:00 AM, five units had been burgled. Total loss: R890,000. The body corporate's insurance claim was declined. The reason? "Cyber event causing physical loss." The building insurance policy covered burglary, but not burglary facilitated by hacking. The cyber insurance p

Your body corporate's insurance premium increased 18% this year. Your trustees negotiated hard, shopped around, and were told this was "competitive." Three months later, storm damage wreaked havoc on your building. The claim was declined. The reason? "Gradual water ingress" an exclusion buried on page 47 of your policy document. Welcome to the cover gap crisis facing South African sectional title schemes in 2025. The Perfect Storm South Africa's climate is changing faster tha

In an unpredictable world, safeguarding your assets and financial well-being is paramount. For homeowners and those living in community schemes, personal liability cover isn't just an option – it's a necessity. This article will walk you through the essentials of personal liability insurance, helping you understand its importance, what it covers, and how it protects you from potential risks. What is Personal Liability Cover? Personal liability cover is a crucial component of

In a country as vibrant and diverse as South Africa, our homes are more than just four walls and a roof. They're where we gather for Sunday braais, where our children take their first steps, and where we find sanctuary after navigating the hustle of city traffic or the stunning coastal roads. Protecting these precious spaces and the lives we've built within them isn't just smart financial planning, it's about securing peace of mind for you and your family. Let's talk Personal

Homeowners should think twice before simply renting out their properties in estates or community schemes using platforms like Airbnb, and...

What if your body corporate’s Schedule of Replacement Values (SRV) , the document used to ensure the property is adequately insured and...

Insurance claims in sectional title environments remain a persistent source of confusion and possibly even tension. By grasping the...

So, you’ve been voted in as a trustee. Congratulations! Or perhaps, condolences? Either way, you’ve just accepted one of the most...

The insurance landscape has evolved rapidly, shaped by technological innovation, shifting consumer expectations, and an increasingly...

Understanding the Forces at Work Retaining walls serve to separate different ground elevations in terrain that naturally tends toward...

Property owners in shared-ownership or sectional title developments frequently make improvements to enhance comfort and market value....

Sectional Title Modern South Africa's communal living sector was poised for significant activity in 2025, with sectional title complexes,...

In the past few months, we’ve noticed a concerning trend in the sectional title industry, some schemes are finding it increasingly...

MONO.insure Redefines Community Scheme Insurance with Smarter, Value-Driven Solutions

Insurance in sectional title schemes has always been complex. Balancing legislation, trustee duties, compliance with CSOS regulations, and ensuring adequate cover. AI introduces new tools to make this easier and hopefully more effective:

South Africa’s sectional title sector is showing strong resilience and growth — and that’s welcome news for trustees, owners, and...

Understanding the principals of a loan in sectional title.

The reality of public liability in sectional title schemes

Trustees are legally required to reassess their scheme’s insurance every year — but many overlook crucial updates after renovations, market shifts, or inflation. Our latest article unpacks the STSMA requirements, explains how to calculate correct replacement values, and shares expert advice from MONO.insure Brokers to keep your scheme compliant and protected.

This glossary is designed to clarify the words and phrases related to short-term insurance in South Africa, helping you feel more confident in choosing the right cover for your needs.