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Home contents insurance

If you turned your home upside down, we'll insure everything that would fall out

What do we mean by home contents insurance? Well, if you turned your home upside down, we insure everything that would fall out.

(Home contents insurance is sometimes called household insurance by other, well, boring, insurance companies… But we’re anything but boring.)

So, from TVs and tablets to Tag Heuers… From shoes and sheets to your collection of Sade CDs… From granny’s antiques, to your garden furniture and wine glasses… You own it, we’ll insure it!

The king of price offers comprehensive home contents cover, competitive premiums and award-winning royal service… We’ve got the ‘full house’!

In a nutshell

With King Price home contents insurance, you can claim for items that are stolen from, or damaged at, your home, if these things belong to you or to people who live with you. It’s that simple!

But, sometimes, you need to take things from home out on the town with you… Your laptop or tablet, for example. Or the ‘it’s designer, dahling’ bag you keep them in. Or your watch, or expensive jewellery. While the king covers these items at home, if you’d also like to insure them against loss or damage that happens anywhere else, you need separate portable possessions insurance.

Please note: Jewellery and watches that are worth more than R35,000 must be specified individually on your home contents policy schedule, and locked in a safe when you’re not wearing them. Also, we’ll need valuation certificates for jewellery that’s worth more than R15,000… Having these in order upfront will save tears and time down the line. Promise.  

Sadly, we don’t cover these things under home contents:

  • Cellphones.
  • Bikes.
  • Contact lenses.
  • Prescription glasses.
  • Hearing aids.

But the good news is that they can be insured as portable possessions… And, if you have comprehensive car cover with the king, you get to insure bikes and hearing aids (and more) for just R1 monthly!

Understanding under-insurance

It’s important to value your household correctly when taking out home contents insurance. King Price pays out for items at their current replacement value… Because that’s what it costs to buy new things. So, for example, the leather lounge suite that cost you R12,000 on sale 4 years ago, would probably cost you a great deal more to replace, now. The ‘great deal more’ value is the 1 that we need to know upfront, because that's what we base your premium on. If we paid a claim for this furniture based on R12,000, it would leave you at least a sofa short. And we'd hate that to happen.

Not sure how much home contents cover you need? This handy inventory form will help.