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.