SA Home Loans Insurance Reviews

Disappointed on SA HOMELOANS

If you want to buy a house and SA homeloans gives you a full package on insurance, less interest rate, think about your peace of mind. I'm suddenly expected to be a building expert and know that my roof has bolts and so on. How is it my fault cos I've never been inside the ceiling? Their insurance always avoid to pay at all costs. I want to move my bond and everything to another bank. When interest rates go down, they review 6 months later. It's a mess. They refused to pay for rain damaged because there are no bolts, that's weired.

Rejection of my claim for my outside ceiling area

This is the worst insurance ever I put the claim for my outside ceiling few days ago that was damaged by the weather and they reject the claim.. and yes they are always looking for the reason to reject the claim and I've been trying to cancel them since I am not happy with their services but they refused for me to do so they are the worst insurances company I don't want to work with them anymore

SA Homeloans the biggest ******

This is the worst company to be insured with. They look for reasons to reject with the help of a horrible loss adjustor. I thought an assessor supposed to first assess but they send a loss adjustor to basically question tenants that moved in days before the damage was done. They look for reasons to reject. There were before and after pics of a DB box and an invoice to show it was fixed but it isn't even in this loss adjustors report. What happens to that? Are they even allowed to say it's in a previous claim when it's not, I've asked for proof of this but don't think they will send. Worst company to do business with, they used to send Assessors but to save costs I'm assuming, send people who don't even know what they are looking for. Will definitely change insurers, this is the worst company I've ever dealt with.

Leaking pipes in the wall

The geyser pipes leakage in both bathrooms right inside the walls. Reported to SAHL Insurance and we told that they do not cover the pipes now the tiles are falling off due to this severe leakage.

Diamond In the Rough

I took home insurance with SA Home Loan. I followed all required steps to cancel the insurance; this department did not act on my request and left it unattended for 2 months. This department did not even take the time to respond to my calls when I called to inquire about the progress on the cancellation. The sole individual who accepted my case and made sure the issue was settled was the Helpdesk Supervisor, Mandisa Nyaba. The most disappointing aspect is that even the accounts department could not process the refund promptly and to the right account. If Helpdesk Supervisor Mandisa Nyaba had not intervened to fix the complications created by these two departments on my account, I would still have an unresolved issue and be left waiting for my money, questioning why these departments are unable to fulfill their responsibilities and be left frustrated. These are the reasons why I will be leaving the business. The customer retention team ignores these issues, but they continue to contact me to check if I'm still satisfied with the service I'm getting. I want to express my gratitude to Helpdesk Supervisor Mandisa Nyaba for her excellent service and assistance; I hope she gets promoted to a higher role as she is an invaluable asset to SA Home Loan. I appreciate all your efforts in resolving the issues created by the other departments regarding my account. Keep Shining.

Dispute of rejected claim

Dear SA home CEO "I'm writing to express my disappointment with the rejection of my recent claim. I believe the decision was incorrect by the assessor who didn't even seem interested RI Jo Builders My garage roof is badly damaged by the rain we have been experiencing but the assessor was just rude and gave false report that it needed maintenance while it's very clear and I pay my premium very well but the service is bad I hope you'll review my case again and reconsider the decision.

Being targeted by SAHL insurance

My SAHL insurance claim is rejected as I complained about their lack of communication and claim taking almost 25 days with no communication from their side

SAHL Insure bad service

I have logged a claim on the 5 of December 2025 and today on 7 of January 2026, i haven't received any feedback, when i called I'm been told that is the delay because of the festive season and later on the story change to the contractor's delay my advice to you don't insure your home with SA Home loan

SA Home Loans Insurance

Good day. My complaint today is with SA Home Loans Insurance! I made a claim on the 13 Jan 2026, against 2 aircons not functioning. Aircon 1 in the bedroom 2 yrs old, and aircon 2 in the lounge. This is the sequel of events regarding the claim :- 14 Jan - Digiair visited. Assessed 16 Jan - Audnet visited. Assessed 20 Jan - Vukani, the claim consultant emailed saying the claim has been rejected. 20 Jan - I rep**** to Vukani, informing him that I am not happy with his decision, and i want the manager to contact me. This did not Happen , and so I decided to call Manager on ; 21 Jan - Spoke to Manager . She said she can't help and I must appeal. 21 Jan - Vukani sends me email , saying that they have suspended the rejection of the claim 26 Jan- Audnet ,Loss Adjuster and Digiair came out for an assessment again. 26 Jan - later in the afternoon, Digiair came and Came and removed the out unit. Up until today 3 Feb 2026, I have no feed back from Vukani and SA Homeloans Insurance . About aircon 1 , it's 2 yrs old and been serviced , how can that be wear and tear ? This is very frustrating. I have been with SA Homeloans for some 33 years and to think that I have made approximately 5 claims, this is very disappointing. As we are aware the heat in the last 2 weeks have been unbearable... My husband and I are both chronically ill with a cardiac condition, hence we are really struggling with this scorching weather . Will appreciate your assistance in this matter. Mrs N Naidoo.

Unhappy with SA Homeloan Insurance

I submitted a claim to Sa homeloan insurance, several companies were sent to assess the damages, and I have been following up on the progress status, because up until now there’s no proper feedback. I don’t know what going on. I’m frustrated and annoyed. There’s no sense of urgency.

Bad service provided

I lodged a claim last year on the 11th of December 2025. There were storms and heavy rains days before and water came into the house. Before Christmas I tried to call the person who is handling my case but he did not answer my calls. Just to find out how long does it take to finalise a claim after sending the people to assess the damage. First week of January tried again with no avail until I sent a complaint to their complaint centre. To my surprise they send another evaluator. After they came I was surprised to get a letter of increase two times whereas my annual increase was already done in November 2025 so it means three increases within 12 months. Today I received a call saying that future claims being prejudice. The person who called me of which I didn’t get her name was so rude and condescending. I also don’t understand why an outside toilet can affect my claim as I made a claim for only the house as it was affected. I am not happy with the service as I feel I’m being given the runaround for a month and a half.

Pathetic unsimethetic service from the WORTS house insurance company

I submitted a claim for storm damage .Cl **********. Very strong wind uprooted trees. It also damaged the flashings protecting the parapits of my house. Jerro Enterprises came to inspect the damage. On 19/01/2026 recieved an e mail rejecting my claim . The reason according to the loose bolts. Fact of tha matter Flashings were ripped of with the anchors still intact. The ones that the flashings were torn from are still in the wall!!!!!. Makesyou wonder what tipe of contractors are on their panal. Never claimed from them for 20 years

SA HOME LOAN INSURANCE IS INEFFCIENT

Extremely Poor Service and Lack of Urgency – SA Home Loans Insurance Claim I am deeply disappointed with SA Home Loans, specifically Marcel Masitry and Priscilla Malindi, for their complete lack of communication and urgency regarding an insurance claim submitted in December after severe hail damage to our home. Since the claim was logged, SA Home Loans has sent six different assessors to inspect the same damage, repeatedly taking measurements and reviewing identical issues. This caused unnecessary delays and disruption, especially over the festive season. As a result, our home was left in a terrible condition throughout December, despite being insured and repeatedly begging for the process to be handled timeously. As of 16 January 2026, we are still waiting for quotations to be finalised. Instead of the team leader holding third-party service providers accountable for excessive delays, SA Home Loans has allowed this inefficiency to continue unchecked. The lack of ownership and follow-through is unacceptable. Summary: We suffered a severe and traumatic event due to the hail damage, only to be met with indifference, poor communication, and slow, inefficient service from SA Home Loans. There is absolutely no sense of urgency, empathy, or genuine care for the client. This experience has added unnecessary stress to an already difficult situation. SA Home Loans has failed us at a time when support and efficiency were critical.

Dispute on my house claim

Dear CEO of SA Home Loans, I am writing to you directly because I am extremely disappointed and frustrated with how my recent insurance claim has been handled. After the severe thunderstorm that struck my area, my roof and ceiling were significantly damaged. Despite the obvious severity and nature of the storm, my claim was rejected on the basis of “roof not maintained.” I find this reasoning unacceptable and deeply unfair. The storm was exceptionally destructive, and no level of maintenance could have prevented the damage that occurred. Even fully maintained roofs in the neighbourhood were affected. To use “lack of maintenance” as the justification to deny my claim feels like a deliberate attempt to avoid assisting a paying client in a moment of genuine need. I have been faithfully paying insurance premiums month after month for precisely this kind of unforeseen disaster. Now, when I need the very protection I have been funding all these years, I am being told to shoulder the financial burden alone. This not only defeats the purpose of having insurance, but it also reflects poorly on the integrity and reliability of SA Home Loans’ insurance offering. I am requesting your immediate intervention and the following actions: A full and urgent reassessment of my claim, considering the severity and unavoidable nature of the storm damage. A new independent inspection, conducted by an assessor who will evaluate the damage objectively and fairly. A clear explanation of how the “maintenance” argument can be used to reject storm-related damage that could not have been prevented regardless of upkeep. This experience has seriously shaken my confidence in SA Home Loans, and I am hoping that your office will step in to correct what is clearly an unjust outcome. As a client, I expect transparency, fairness, and accountability. I trust that you will treat this matter with the seriousness it deserves and ensure that I receive the support I have been paying for over the years. I look forward to your urgent response and resolution.

SA Homeloans claims department no assistance

I submitted a claim with SA Homeloans a months ago for my gate motor, the claim was approved and their supplier K&R Home Security came out and inspected and replaced my motor. K&R Home Security did not mount the gate motor securely and my gate fell of the motor. i reported this to SA Homeloans weeks ago and i dont get any response from my claims representative (***********) when i call he always says his waiting for feedback from K&R. Claim number (CL**********)

Insurance claim rejected for what i don't know

hope this email finds you well. I am writing to express my dissatisfaction with the service I received from SA Home Loans regarding my insurance claim. In 2023, our area experienced a earthquake that caused significant damage to our house, including cracks in the structure. Unfortunately, my insurance claim was rejected, leaving me extremely unhappy with the outcome, especially considering that other banks in the area have fixed houses affected by the same incident. I would appreciate it if you could look into this matter and provide an explanation for the rejection of my claim. It is disheartening to see other institutions supporting their customers while I am left to deal with the aftermath on my own. I believe that my case warrants reconsideration, and I hope that you can assist me in resolving this issue. Thank you for your attention to this matter. I look forward to your prompt response

Useless insurance cover

Very useless, i tried claiming for a faulty geyser and was told to find a plumber to confirm that. I'll be canceling the insurance as im looking for an insurance to cover my building.

BAD SERVICE FEOM SA HOMELOANS AND THEY CONTACTORS THRY USE

On the 16th Deaember our geyser Burst and i emmediatly called Sa Home Loan insuranceand reported the incident..on the 19th of Desember they send people out and they replaced the Geyser..it warm up 1 time and the next day water was cold again and its not warming up Whe called in again and the send 2 other fuys out..just to tell us they cant do bothing and they "think" its not connected Properly and will need electricians to fix the Problem.. Again whe called the insurance and till today 24th of Desember whe were not helped and whe still sitting with a NON WORKING GEYSER.. SA HOMELOANS PLEASE SEND OUT SOMEONE THAT KNOWS HOW TO CONNECT THE GEYSER PROPERLY PLEASE YOU CALL CENTRE DONT HELP THE PEOPLE U DID SEND OUT AGAIN DONT KNOW WHATS THE PROBLEM PLEASE FIX OUR PROBLEM WITH THE GEYSER..ITS 24TH OF DESEMBER AND ALMOST 10 DAYS NOW WITHOUT WARM WATER !!!!!😡😡

Poor service

I've logged a stove claim in October, 2 service providers were appointed both came to check and give feedback, after 3 weeks they call 2nd service provider for more pictures. Nothing happened till l send a complain for poor service, they send a third provider who came and took pictures he didn't evencech the stove all he said was he came to take the pictures and told me that the claim is going to be rejected. Surprisingly the following day l got a call saying baswd on tbe report from the 3red provider my claim has been rejected because is a wear n tear. Am not happy with the outcome since the guy did nothing apart from pictures

Great service from SAHL Insurance

Always had the best service from SA homeloans as well as there insurance company. Friendly and always helpful. Will recommend them for great service

Very unhappy and dissatisfied!

I am extremely disappointed with the service I received from SA Homeloans Insurance. I submitted a claim after my swimming pool pump stopped working, and despite providing all the required documents and cooperating fully with the process, my claim was rejected without a fair or reasonable explanation. It felt as though the company had already decided to deny the claim rather than properly assess it. In fact the Service Provider appointed by SA Homeloans Insurance, Poolman did not even remove the pump, they took a photo and switch on the pump and based on that compiled and submitted a report to the Insurance company, whereupon the Insurance company rejected the claim. After being a loyal customer for more than 30 years and paying my premiums on time, I expected better treatment, transparency, and professionalism. This experience has left me feeling frustrated and completely let down by a company I trusted to be there when I needed support. I would caution other customers to review their policy carefully and think twice before relying on SA Homeloans Insurance to honour their commitments.

S.A Homeloan - Lack of Professionalism Finalizing a Claim

I am writing to formally lodge a complaint against SA Home Loans regarding the handling of my recent insurance claim. SA Home Loans appointed a service provider to repair my roof, whose workmanship was not only substandard but left the roof in a worse condition than before. The contractor used silicone to seal cracks and damaged additional roof sheets during the process. Furthermore, they failed to dispose of asbestos roofing material in a legal and safe manner, leaving broken sheets on the roof. These were subsequently blown into a neighboring property during heavy winds, creating a serious health and safety concern. Despite these issues, SA Home Loans has declined further repairs, citing inaccurate information provided by their contractor regarding the age of the house and roof. This misinformation appears to have influenced their decision to reject my claim. I have already paid a R1,500 excess fee, yet I am now being told I must cover the full cost of repairs myself. I am also now responsible for managing my neighbor’s grievance, which may escalate to legal action due to the improper handling of hazardous asbestos material. I respectfully request that this matter be investigated and that SA Home Loans be held accountable for the poor management of my claim and the negligence of their appointed service provider.

No installment protection plan and useless insurance.

First and foremost I want to thank SA home loans for granting me the opportunity to own my own home. But it comes with some problems. I came into contact with a customer service agent a couple of weeks ago asking if they do have a type of payment protection plan that if I was to be retrenched that it vover my payments for a couple of months and was bluntly told no. So I asked if I was to be retrenced what am I to do then? And was bluntly told again I will have to come up with the payments doesn't what. So so much for that. Then get your own private insurance as their insurance finds every excuse not to pay. Yet you have to use their insurance and pay every month. We had a earthquake a year or so ago and had the accessor out at my house and was told they are not going to fix it as it was building alterations that the previous owner had done. Guys you came and inspected house, you approved the home loan. So then I made a noise about it and the they said they will give R 10000 to fix my house and I have to send them the proof of the repairs. I refused to take the money as the repairs are a lot more then R10000. My house is still standing with the damages up until today I am slowly but surely fixing it my self. Why pay insurance if you can not claim for damages? Very disappointed.

Disgusting services . Please new home owners choose your insurance company wisely . Sahl finds every excuse not to fix damage which are beyond our control. Terrible service

On the 8th of October, I reported to SAHL that my main bedroom had caught on fire. During my call, I was clearly instructed not to touch or clean anything because their forensic team would need to inspect the damage. The fire had been put out with water, and I specifically asked if I could wipe away the standing water since my floors are wooden. I was told no, and to wait for their team. Please refer to the call recordings. I waited six full days for the assessors to arrive. During this time, the standing water soaked and bubbled my wooden floors. Only after the assessors finally came (on 15 October) was I told to mop and clear the area. By then, the preventable damage had already been done. Now, SAHL is only partially covering the claim — not even enough to replace the damaged floors — even though the worsening damage resulted directly from their own delay and instructions. To make matters worse, I’ve had to personally pay for alternative accommodation for my daughter, who suffers from asthma, as the room is unsafe for her. My policy clearly states that accommodation will be provided, yet SAHL has refused to assist. All my premiums are up to date, but every time there seems to be another excuse not to take full responsibility. I am extremely disappointed with the lack of urgency, poor handling, and disregard for customer well-being. I request that this matter be reviewed urgently and resolved fairly, as I followed all instructions given by SAHL in good faith.

Useless service AGAIN

Once again, I have to vent. My pool pump stopped working. So I logged a claim. Off course it was rejected, Wear and tear and policy wording etc, I don't even know why I have bond insurance, as every claim gets rejected. Any excuse not to pay. But I can get a contractor at my cost. For what? Are the SPs they use not qualified enough? Why should I get someone at my cost to dispute this claim. I am so sick and tired of SAHL and SAHL Insurance. I wish I had the money to move my bond elsewhere

Rude staff and poor service

I lodged a claim with sa home loans. It is now almost over a month. Im unable to get hold of Darshen who I was told is in charge of my case. What saddens me the most is the manner in which I was treated by one of their employees by the name of Tyran. I called to try and be connected to Darshen, he told me that the systems were offline while I was trying to ask if there is any other way to get in touch with Darshen he dropped the phone on my ear rudely so It is very difficult to deal with people like these because instead of giving us relief they add more frustrations

claim rejection

Dear SA Home Loans Insurance Team, I am writing to express my deep disappointment with the handling of my recent insurance claims, specifically Claim Number CL********** and the follow-up Claim Number CL**********. After registering the initial claim (CL**********), a service provider was sent to assess the issue with my gate motor. They identified a power supply problem and attempted to fix it. Unfortunately, the motor only functioned for one day before failing again. I contacted the service provider, who returned and informed me that the motor was not responding to the set limits, causing the gate to open only halfway. Following their advice, I was told to replace the gate rail. Due to financial constraints, I had to wait until payday to carry out the repair. Once the rail was replaced, I contacted SA Home Insurance again to report that the motor was still malfunctioning. The same service provider was sent out, and although the motor worked briefly after their visit, it stopped functioning shortly thereafter. On 31 July, the technician returned and assessed the motor. He informed me that it was leaking oil and was beyond repair, recommending a full replacement. I then contacted SA Home Insurance and was advised by a representative to open a new claim, which I did under Claim Number CL**********. However, just two days later, I received a call from another representative informing me that the claim had been rejected on the grounds of "wear and tear." I find this decision unacceptable, given the repeated attempts to repair the motor and the clear evidence provided by your appointed technician that the motor is damaged and leaking oil. I respectfully request that this matter be reviewed thoroughly. The motor has consistently failed despite multiple interventions, and I believe the rejection of my claim does not reflect the reality of the situation. I trust that SA Home Loans Insurance values its customers and will take the necessary steps to resolve this issue fairly. I look forward to your prompt response. Regards Nomusa Buthelezi

Insurance claim to fix my collapsed ceiling and replacement of cuboards in bedroom

SA Home Loans Insurance are the worst insurance in South Africa, I will not advise any government employee to even go there. These guys will look for any excuse not to pay out your insurance claim. Insurance on building cover for home owners should cater for clients when things go wrong, we take out insurance to be assured that i have backup, in this case i have nothing but high blood pressure and stress. I pay a high premium without being able to claim, how can a client be blamed for things that are beyond your control and then they turn around and tell you that its neglect or pre exiting, or that poor workmanship how is a client responsible for that. I am very unhappy and I wish i never went to them in the first place i truly need help. The situation is so bad that its life threatening if the matter is not resolved and fixed all because they refuse to pay.