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Isn't this the same as my contents insurance?
Contents only covers items inside your home. As soon as you leave with that laptop or watch, you need portable possessions cover.
🛡️All-Risk Cover
One catch-all policy for
everything else.
Unspecified all-risk cover for the items that don't fit a single category — anywhere in South Africa, against loss, theft and damage.
★★★★★
4.9/5 from 2,400+ South African homeownersWhat it isStart my quote →
all-risk cover, explained.
All-risk is a flexible 'catch-all' policy that covers unspecified items — anything you regularly use outside the home that isn't worth specifying individually. Think handbags, sunglasses, sports gear, school items.
Ready when you are
Get all-risk quotes from R45/month in 2 minutes.
What's covered
Every detail, accounted for.
✓
Unspecified items lump-sum
Single insured amount, no need to itemise everything.
✓
Anywhere in South Africa
Cover applies wherever you are in SA.
✓
Loss, theft & damage
Full peril cover, including accidental loss.
✓
Low excess
Most claims under R5k have minimal excess.
✓
Optional worldwide upgrade
Extend to international travel for a small premium.
✓
Stack with specified items
Combine with portable possessions for high-value gear.
FAQs
Common questions about all-risk cover.
How is all-risk different from portable possessions?
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Portable possessions cover specified, itemised high-value items. All-risk is a single lump sum for unspecified everyday items — easier to manage, lower premium.
Are there item limits?
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Yes — typically a single article limit (e.g. R5k per item). Anything above that should be specified under portable possessions.
Is it worth the cost?
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For most families yes — a single broken phone, lost wedding ring or stolen handbag pays for years of premium.
Can I combine with contents and portable cover?
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Yes — they're complementary, and HomeCover bundles them at a discount.
People also ask
Related questions from other cover types
🛋️
What does household contents insurance cover?
Household contents insurance covers the movable items inside your home — furniture, appliances, electronics, clothing, linen, crockery, jewellery kept at home and similar belongings — against theft, fire, storm and water damage, and listed accidental damage. It does not cover the building structure itself; that's buildings insurance.
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Is buildings insurance compulsory in South Africa?
It's not legally required, but every bank requires it as a condition of your home loan. If you own your home outright it remains strongly recommended — rebuilding even part of a structure can run into millions of rand.
Pair this cover with
🎒
Portable Possessions
Worldwide cover for laptops, phones, jewellery, cameras and gear — protected any…
Learn more →🛋️
Contents
Protect furniture, electronics, appliances, clothing and valuables from theft, f…
Learn more →🏠
Buildings
Structural cover for your house, outbuildings, walls, gates and fixed improvemen…
Learn more →Most searched next
Bundle & save on multi-product →What SA homeowners quote after all-risk
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