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Home contents - what's covered

  • Furniture

  • Electrical Appliances

  • Electronic devices

  • Sports equipment

  • Jewellery

  • Paintings and sculptures 

  • Collectibles

  • Bedlinen, curtains and clothing

  • Crockery and cutlery

  • Specified take-out assets (e.g. watch, smartphone, laptop computer, bicycle etc.)

  • 24/7 emergency assistance (e.g. "burst" geyser at 11 pm on a Friday night) 

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Insured perils

  • Fire, lightning, explosion and smoke

  • Storm, tempest, windstorm, hail and flood

  • Earthquake and subsidence

  • Water escape, including bursting or overflowing of water tanks, apparatus or pipes

  • Impact by aircraft and vehicles

  • Housebreaking or any attempt thereat

  • Electrical spike (e.g. due to loadshedding, power failure)

  • Accidental damage (covered assets must be specified)

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What's NOT covered

  • Subsidence caused by the moisture content of the soil

  • Consequential geyser damage

  • Business assets (e.g. work equipment, raw materials, stock etc.)

  • Loss or damage due to wear and tear

  • Assets used for criminal/illegal purposes

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