PersonalHousehold Contents

Household contents insurance

Cover for everything inside your home: furniture, appliances, clothing, electronics and the rest. You choose one amount that would replace it all, and your price is worked out from that.

What’s covered

Fire, lightning and explosion
Burglary and theft from your home
Storm, flood and burst-pipe water damage
Accidental damage to your things at home
Your liability as a householder, if someone is hurt or their property damaged
Locks and keys, food spoilt in a power failure and your guests' belongings, up to the limits on your schedule

Optional extras

Add them while you quote and watch the price update.

Power surge cover: appliances and electronics damaged when the power spikes, up to R25 000
Home emergency help: a plumber, electrician, locksmith or glazier on call

Good to know

Excess: 5% of the claim, minimum R500; accidental damage, 10%, minimum R500; lightning, R1 000.
Insure for the full replacement value. If you're under-insured, claims are reduced in the same proportion.
Jewellery and watches are covered up to 30% of your contents amount, and R2 500 an item without a valuation or invoice.
Theft without signs of a forced entry is limited to 5% of your contents amount, up to R30 000.
If your home is left unoccupied for more than 60 days in a row, cover stops unless the insurer agrees in writing.
Away from home, phones, laptops and tablets are only covered as Specified Items.

What we’ll ask you

So your price is right the moment you see it.

1What it would cost to replace everything in your home
2Your home address
3Whether you'd like power surge cover added

These are the highlights. The full cover, limits, conditions and exclusions are in the official policy wording issued by the insurer, New National Assurance Company Limited, read together with your policy schedule. Your quotation and every policy document link to it.

Other cover

Broken down or a burst geyser? See emergency help and roadside assist.