Property Insurance
Insurance Pillar

Property Insurance

Protect your home, business premises and contents.

About this Pillar

Comprehensive Property Insurance from Oakstem

Protect what matters most — your home or business premises. Oakstem's Property Insurance offers flexible policies tailored to residential, commercial and industrial properties.

Audience

Who this cover is for

If you recognise yourself in any of these, this is for you.

  • Individuals and families wanting predictable monthly cover
  • SMEs balancing premium cost with comprehensive protection
  • Corporates and contractors needing scheme-level cover
  • Anyone who has been over-charged or under-covered in the past
Our process

How it works with Oakstem

From the first call to the renewal letter, here's exactly what happens.

  1. 01 Step 1

    Discovery call

    A 15-minute conversation to understand what you need to insure and why.

  2. 02 Step 2

    Underwriter comparison

    We pull comparable quotes from our 15+ partner insurers and present the trade-offs.

  3. 03 Step 3

    Policy issuance

    You pick the cover, we handle paperwork, payment scheduling and the certificate.

  4. 04 Step 4

    Claims & renewal

    When something happens, you call us — not the insurer. We manage the claim end-to-end and re-shop the cover at renewal.

Why it matters

Why Property Insurance matters

Risk does not announce itself. The right policy means an accident, illness or loss disrupts a few days of your life — not years of your finances.

Available Cover

Cover Options

Tailored protection within Property Insurance.

01

Fire and Perils

Cover for loss or damage from fire, lightning, earthquake, riot & strike, malicious damage and more.

  • Fire & lightning
  • Earthquake & explosion
  • Riot & strikes
  • Malicious damage
Learn more →
02

Domestic Insurance

Cover for buildings, contents inside and outside the home, house help and third-party liability.

  • Building & contents
  • House staff cover
  • Third-party liability
  • Loss of household items
Learn more →
03

Burglary Cover

Protection against loss or damage to property from theft involving forcible entry or exit.

  • Forcible entry/exit theft
  • Damage during burglary
Learn more →
04

All Risk

Portable and electronic items covered against loss or damage anywhere.

  • Television sets
  • Home-theatre systems
  • Laptops & mobile phones
  • Cameras
Learn more →
05

Money Insurance

Cover for money in transit and money in premises against robbery, theft and accidental loss.

  • Money in transit
  • Money in safe
  • Custody by directors/employees
Learn more →
06

Contractual Insurance

Cover for contractors against risks during project execution.

  • Damage to contract works
  • Third-party property damage
  • Third-party bodily injuries
Learn more →
FAQ

Frequently Asked

Everything you wanted to know about Property Insurance.

Underwriters look at the value at risk, your claims history and a handful of risk-rating factors. We help you understand each factor and where you can negotiate or restructure.
Most claims are settled within 14–30 days of complete documentation. Our team chases the underwriter on your behalf so you do not have to.
Yes. Bundling typically unlocks loyalty discounts and a single renewal date — handy if you are also taking medical, motor or property cover with us.
We can usually amend the policy mid-term (add a vehicle, dependent or asset). Major changes may move to the next renewal — we will tell you up front.
Take the next step

Ready to protect your property insurance?

Talk to a Oakstem advisor and get a tailored quote within 24 hours.

Chat with us