Insurance in question

We have been with this company for many years now. They have a policy of payment of repairs for geysers but only R1000.00 per claim less the excess for each claim. Surely with the cost of repairs and after hours call-out and weekend cal-louts by plumbers this should be increased. They say a full geyser repair is only R3000.00 I would like to know which plumber will work for that when geysers are over R5000.00 now a days. If someone can suggest another company which will work with Sectional Title Body Corporate, I would love to hear from them Thanking you Kathy