You keep your most valued possessions in your home, so it’s vital you protect them with home contents cover. If you already have home insurance, you might think your belongings are already covered, but actually this isn’t the case. Read on to find out why it’s essential to have both contents and building insurance.
Home insurance, also known as home-owners insurance or building insurance, covers the structure of your building. As a home-owner, you know the value of the roof over your head, but it’s important to remember that home insurance only covers the bricks-and-mortar elements of your building. This means if your house is damaged by flood, fire, accidental impact, etc, you can claim for the rebuilding costs and any essential fixtures.
Home insurance also covers any outbuildings, security systems, pools, gates and gate motors, patios, walls, driveways, aerials, and many other items. (Ask your broker for full coverage details.) You can claim for the replacement, rebuilding, or repair costs for all the buildings. Make sure when calculating the sum insured that you measure it according to the rebuilding costs rather than the market value, and also factor in demolition costs, professional fees and public authority requirements.
So, if you’re already in possession of home insurance, you might think you’re sorted. However, home insurance actually only covers the building. You therefore need to combine your insurance with home contents insurance, and that way your possessions will be covered too.
Household contents insurance protects your most valuable possessions. We know how sentimental the contents of your home can be, which is why we offer such a detailed and extensive home contents cover (also known as contents insurance cover).
Household contents insurance covers a wide range of items from the contents of your tool shed, garage, maid’s quarters, and expensive jewellery.
As a valued client, your household contents insurance will protect you from the following:
- Weather conditions such as wind, rain, lightening, storms, snow, water damage, earthquakes and hail
- Burst, leaking, or overflowing pipes and geysers
- Theft and attempted theft
- Malicious damage carried out by someone other than you
- Impact from vehicles, falling trees and aircrafts
Also included in your household insurance sum is cover for accidental death, medical and veterinary expenses, trauma and veterinary counselling, and much more.
If you have any more questions or need help with your insurance call us today for a quote: 031 242 6800.