Protect furniture, electronics, appliances, clothing and valuables from theft, fire, water damage and accidental loss.
Contents insurance covers all movable items inside your home — from your fridge and TV to clothing, jewellery, appliances and personal belongings — against theft, fire, water damage and listed perils.
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Including forced-entry and armed robbery on premises.
Spilled wine on the couch, broken TVs, dropped laptops.
Cover for appliances damaged by load-shedding surges.
List high-value jewellery, watches and art for full replacement.
Rent? Contents insurance still protects your belongings.
Cover for freezer contents during prolonged outages.
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.
Household contents cover typically starts around R180 per month for about R250,000 of contents, while buildings cover starts near R350 per month. Your actual premium depends on suburb crime rates, security measures, sum insured and excess. Comparing quotes usually moves the price 20–30%.
Absolutely. Your landlord's buildings insurance doesn't cover any of your personal belongings. If a fire or burglary happens, you'd replace everything out of pocket.
Walk room by room and list replacement cost (not what you paid). Most South Africans under-insure by 30–40%. Our quote tool includes a guided estimator.
Standard policies cover surge damage, but limits vary. Add a Load Shedding Shield rider for unlimited surge cover with no excess.
Items outside the home (laptops, phones, jewellery worn out) need Portable Possessions cover, which we can quote alongside contents.
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.
Contents only covers items inside your home. As soon as you leave with that laptop or watch, you need portable possessions cover.
Portable possessions cover specified, itemised high-value items. All-risk is a single lump sum for unspecified everyday items — easier to manage, lower premium.
Structural cover for your house, outbuildings, walls, gates and fixed improvemen…
Learn more →Worldwide cover for laptops, phones, jewellery, cameras and gear — protected any…
Learn more →Unspecified all-risk cover for the items that don't fit a single category — anyw…
Learn more →Buildings insurance covers the structure, contents insurance covers what's inside. Compare cover, cost, claims examples and who needs which in South Africa.
Every cover type, exclusion and claim rule explained in one pillar guide.
Head-to-head breakdowns of the choices most SA households get wrong.