Die versekeraar verseker die huis en bepaal die premie.

Because they are closely related words:

• verseker = to insure
• versekeraar = insurer

The ending -aar often makes a noun for a person or agent, similar to English -er in words like teach / teacher. So versekeraar is literally the one who does the insuring.

This is a very useful pattern to notice in Afrikaans vocabulary.

In this sentence, die means the.

Afrikaans uses die as the definite article for nouns regardless of gender, so you do not have to learn separate forms like the for masculine/feminine/neuter. That is why you get:

• die versekeraar = the insurer
• die huis = the house
• die premie = the premium

So the repetition is completely normal.

No. Afrikaans verbs usually do not change according to the subject in the present tense.

So:

• ek verseker = I insure
• jy verseker = you insure
• hy/sy verseker = he/she insures
• ons verseker = we insure

The same form is used throughout. The same is true for bepaal in this sentence.

It is in the present tense.

• verseker = insures / does insure
• bepaal = determines

Afrikaans often uses the simple present in cases where English also uses the simple present.

This is a straightforward main-clause word order:

• Die versekeraar = subject
• verseker = first verb
• die huis = object
• en bepaal die premie = coordinated second action

The subject die versekeraar applies to both verbs:

• The insurer insures the house
• and (the insurer) determines the premium

Afrikaans often leaves the subject unstated in the second part when it is the same as the first one.

Yes, grammatically you could, but it sounds more repetitive.

Afrikaans, like English, usually omits the repeated subject when it is obvious:

• Die versekeraar verseker die huis en bepaal die premie.

Repeating the subject would only be useful if you wanted extra emphasis or clarity.

Here premie means premium, specifically an insurance premium.

So in this context:

• die premie bepaal = determine the premium

Be aware that premie can also mean a prize or bonus/premium in other contexts, but with versekeraar and verseker, the insurance meaning is the natural one.

It can mean more than one thing depending on context.

Common meanings include:

• to insure
• to assure
• to make sure / ensure

But in this sentence, because of versekeraar and premie, the meaning is clearly to insure.

So context is very important with verseker.

Because bepaal die premie is already a complete and natural expression in Afrikaans.

It means determine the premium or set the premium. Afrikaans often expresses things a bit more directly than English.

If you wanted to be more specific, you could expand it, but the sentence as given is perfectly idiomatic.

A rough English-friendly guide:

• die ≈ dee
• versekeraar ≈ fer-sek-uh-raar
• verseker ≈ fer-sek-ur
• huis ≈ hace / house with a slightly different vowel
• en ≈ en
• bepaal ≈ buh-pahl
• premie ≈ pray-mee

A few helpful notes:

• Afrikaans v is often pronounced closer to English f
• r is usually rolled or tapped more than in English
• aa is a long vowel sound

No, not in this sentence.

Afrikaans does not use noun case endings the way some other languages do. Instead, you mostly understand subject and object from word order.

Here:

• Die versekeraar comes first, so it is the subject
• die huis and die premie come after the verbs, so they are the objects

So word order is doing the job that case endings might do in other languages.