Household Insurance South Africa

Secure your valuables and home essentials with comprehensive household insurance in South Africa. Whether you rent or own, this protection helps you recover quickly from unexpected events without financial stress.

Why Household Insurance Matters

Household insurance protects your belongings and living space from major risks like:

• Fire, lightning, or smoke damage
• Burglary and theft of personal items
• Water damage from burst pipes or plumbing issues
• Storms, hail, or natural disasters
• Liability if someone is injured on your property

Replacing items such as furniture, electronics, or clothing can cost thousands—household cover gives you peace of mind.

What Household Insurance Typically Covers

• Contents cover: Safeguards furniture, appliances, personal items, and more.
• Loss of use: Helps with temporary accommodation if your home is uninhabitable.
• Personal liability: Covers legal costs for accidents involving guests or neighbours.

Optional Cover Extensions

• High-value item cover (e.g. jewellery, art, electronics)
• Portable items cover (laptops, cameras when outside home)
• Accidental damage protection
• Emergency assistance (locksmiths, plumbers)

Tips for Choosing the Right Household Cover

• Calculate accurately: Include replacement values for all major items.
• Check exclusions: Flood, wear-and-tear, and pests are often excluded.
• Compare excesses: A higher excess can lower premiums but raise costs in a claim.
• Research your insurer: Choose companies known for quick, fair claims processing.

Save on Your Household Insurance

• Bundle with your car or home insurance for discounts
• Install security devices like alarms and beams
• Maintain your property to reduce risk
• Opt for a higher excess if you can afford it

Complete The Form Above For A Quote!