Home Contents Insurance
Do you get confused between home contents insurance and home owner’s insurance?
Home owner’s insurance, is sometimes also called buildings insurance and covers the structure of your home and other immovable items such as your fitted carpets and geyser. That is explained later.
Home contents insurance covers everything in your house which you will take with you should you ever decide to move. Basically, as an “example” if you imagine turning your house upside down, it should cover everything that falls out. This includes your furniture, kitchen appliances, linen, clothing, electrical equipment and jewellery.
What could be more important than your home?
Not only is it hopefully your sanctuary and where you rest and relax, it’s also where you keep most of the things that you own and your family safe. Replacing all these items following a loss could be financially catastrophic. Doesn’t it make sense to insure your valuables properly? We can assist you to insure adequately so that you don’t have to cope with the replacement or repair costs by yourself. In addition to great cover you’ll also get to enjoy useful benefits included in your policy.
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Do you know how much to insure for? How much is too much and how much is too little?
We will assist you to calculate how much home contents cover you’ll need and we suggest you work out how much it would cost to replace them new. Also, we recommend that you re-evaluate your contents at least once a year to make sure you aren’t under-insured.
Most insurance companies set limits on valuable goods that fall under household contents and will pay out a certain percentage of the total insured amount for a single item. That’s why you must specify expensive items like wedding rings or even laptops under All-Risk / Portable Possessions cover to ensure you will be compensated appropriately for your loss.
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Most homeowners and tenants get insurance against damage or loss as a result of wind, water, hail, snow, fire, lightning, an explosion, burglary or theft. The list below includes some of the most popular and typical forms of cover you can acquire (bearing in mind your personal needs and our various insurers’ tailor made product offerings):
- cover for loss or damage to household goods and personal possessions
- cover for loss or damage caused by fire, lightning, power surge, explosion, malicious damage, storms, bursting or over-flowing of geysers,
- equipment or pipes, break-in and theft
- cover for food that deteriorates because of a power failure or if your freezer breaks down
- cover for stolen washing and/or garden furniture
- cover in the event of you and/or your spouses’ accidental death if caused by fire or break in at your home
- cover for your domestic employees' or guests’ belongings
- liability as a householder
- tenants liability as a householder
- liability to domestic employees, if he/she is injured, or dies at your home while working
- the option to increase your Householders Liability Cover (that includes Public, Tenants, and Domestic Liability)
- assist benefits
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