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Household Contents InsuranceYour home is your palace. It is not just a building, not just a house, but the place you long to return to after a long day’s work and even an unforgettable beautiful vacation. What makes a home is the treasured people that live in it and the things you use, need, and love. Home Contents Insurance helps you to be able to replace your household contents should they suffer loss or damage. This gives you financial peace of mind and the comfort of knowing that your home will always be your special place, no matter what happens.
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HOME CONTENTS INSURANCE QUOTE
Why Do You Need Vehicle Insurance for Your Car?
Home Contents Insurance protects your valuables against theft, fire, malicious or weather damage whether you are a tenant or a homeowner.
Rest easy knowing that unforeseen circumstances such as storms, flooding, and lightning can only cause you a temporary inconvenience, but can be replaced, protecting your finances from inconvenience. Your Household Contents are part of what turns your house into a home. Please give them the protection they deserve.
HOME CONTENTS INSURANCE QUOTE
How Does It Work?
What Does It Cover?
Home Contents Insurance covers everything that would fall to the ground if you could turn your house upside down and shake it. Said another way, you need Home Contents Insurance whether you are a homeowner or tenant, whereas Buildings Insurance is only required for homeowners, not tenants. If you were a tenant, everything you would take with you when you move out is covered by Home Contents Insurance; Buildings Insurance would cover everything you would leave behind.
What Am I Protected Against?
Home Contents Insurance covers your household items against theft, fire, malicious or weather damages (from storms, flooding, lightning). If you would like these items to be covered for accidental damage as well – e.g. if you spill tea on your expensive sound system – then an additional optional cover can be taken out.
The personal items you carry, such as your handbag, clothing, sporting equipment, etc., are typically covered under Portable Possessions Insurance, also known as ‘All Risks’ Insurance. However, you need to specify the items in your policy regarding tablets, cell phones, jewellery, laptops, and bicycles. Specifying items means that each item will be listed with its model or serial number plus its value.
Any Useful Tips?
Inflation is real, and having a policy that you maintain faithfully for years and then suddenly need to claim on can be a rude awakening. Many people only evaluate their home contents when taking out insurance but must remember to update the value over the years. That’s why statistically, one in three homes is underinsured by as much as 30%. Should you need to claim, your household insurance will pay out pro rata, and you will receive less than what it costs to replace your goods.
For example, say you have insured the contents of your three-bedroom apartment for R100 000. You experience a break-in and now have to claim the value of R50 000. You discover that the replacement value of all your contents (the value at risk) is R150 000. Your settlement amount will then be calculated as R100 000/R150 000 XR50 000 = R 33 333. You have a shortfall of R16 667. Keep your policy up to date. Stay safe.