Nine building blocks — pick what fits.
Each module is a self-contained piece of cover. Switch on the ones that match your home and your budget — leave the rest. Tap any module to see what it covers.
One simple choice sets how much you're covered for.
Every module comes in three cover bands. Pick a band per module — it sets the sum insured and the premium. Here's the Kitchen Essentials module across all three.
Lower cover amount, lowest premium
Mid cover amount
Highest cover amount, maximum premium
Buildings
Geyser Cover (Burst Only)
Kitchen Essentials
Bedroom Basics
Lounge Furniture
Garage Tools
Sporting Equipment (Theft Only)
Electronics Protection
Personal Valuables
Why your premium stays refreshingly low.
Most household losses are partial. A break-in takes the TV and a laptop — not every single thing you own, all at once. So instead of charging you to insure the full replacement value of everything in your home, FlexiFocus covers a realistic “first loss” amount.
You pick a sensible cover amount for each module. If something happens, you're paid up to that amount. Because we're not insuring the worst-case total, your monthly premium is a fraction of what a full-value policy would cost.
Read the full explainer →“You don't carry your whole month's grocery budget to the shops — you take enough for today's trip. First-loss cover works the same way: enough to put right a realistic loss, without paying to carry the maximum every month.”
Ready to build your cover?
Choose your modules, pick a band, and see your premium update live — in a few minutes.
Start building →