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Sectional title corner – Why can’t I pay for only my unit’s insurance?



Our complex consists of nine sectional title units and 38 full-title units. We currently have insurance covering the buildings of the nine sectional title units; this premium does not form part of the levy but is shared equally between the nine owners. The insurance for the common property, security house, and tools are paid for by all 48 units and forms part of the levies.

One owner of a sectional title unit does not want to contribute to the sectional title insurance and wants to manage his own insurance. Is this allowed? – Gerhard


Dear Gerhard, the insurance premium should be included in the levies and should be recovered from owners based on the participation quotas of their sections (or nominated values if your complex made rules to change the participation quotas).

Insurance of the complex (sectional title) is governed by the Sectional Title Schemes Management Act and states that the common property (buildings) must be insured by the body corporate. An owner can only insure his household contents. The buildings do not belong to any owner separately and therefore cannot be insured by any owner separately.

Got a burning question? Email david@hometimes.co.za and we’ll be sure to assist you. 

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Who is Karien Coetzee?

Karien Coetzee, national property management consultant at Trafalgar.

Karien Coetzee, national property management consultant at Trafalgar.

Karien Coetzee is the national property management consultant at property management company, Trafalgar. She holds qualifications in sectional title schemes management and homeowners association management.


David A Steynberg, managing editor and director of HomeTimes, has more than 10 years of experience as both a journalist and editor, having headed up Business Day’s HomeFront supplement, SAPOA’s range of four printed titles, digimags Asset in Africa and the South African Planning Institute’s official title, Planning Africa, as well as B2B titles, Building Africa and Water, Sewage & Effluent magazines. He began his career at Farmer’s Weekly magazine before moving on to People Magazine where he was awarded two Excellence Awards for Best Real Life feature as well as Writer of the Year runner-up. He is also a past fellow of the International Women’s Media Foundation.

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