Home Insurance where the heart is

Home is where the heart is, it’s also where all of your stuff is. That’s why we offer a home contents insurance product to protect all the world treasures you’ve collected over the years, against theft, loss and damage.

What value should I insure my Home Contents for?

As is standard with home contents insurance policies, the amount for which you insure your belongings must be their replacement value.

The replacement value is what it will cost you, at the time of a claim, to replace all your belongings with similar new ones.

If you claim for home insurance, we will calculate the replacement value for which you should have insured your home contents. If you insured them for less than that, only a part of your claim will be paid, e.g:

What exactly does my Home Insurance cover?

Home insurance, or home contents insurance, is a very different thing from buildings insurance. If you are looking to insure the possessions you keep in your home, then you need a home contents insurance policy. If however, you want to insure the structure of your home itself, then you need a buildings insurance policy.

Click here for a home insurance quote
Click here for a buildings insurance quote

What can I claim for with a Home Insurance Policy?

In addition to your furniture and your household appliances, your home contents insurance policy covers more than you probably realise. Did you know that you can claim for:

• Food that spoils in your fridge during a power out.
• Washing stolen from the line and garden furniture stolen from your garden.
• Your guest’s belongings that were stolen from your home.
• Money stolen from your home (provided there is evidence of a break-in)
• Locks and keys damaged during the break in.
• Medical expenses for an injury caused by your pet or a defect in your building.
• Veterinary expenses for your household pet.
• Handbag Cover up to R3 500.

For more information on what a home contents insurance policy covers, take a look at the policy book here.