Whether you're buying your first home, investing in a rental property, or running a business from commercial premises, you'll encounter the terms “buildings cover”  and “buildings combined.” With South Africa’s growing trend toward sectional title living, security estates, and mixed-use developments , understanding exactly what this insurance covers and what it doesn’t has never been more important. What’s the Difference? Here’s the truth that might surprise you: there isn’t

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

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...

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,...

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

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.