Personal insurance
Everything about
home contents insurance
Meet the king's home contents insurance... Cover for everything that would fall out if you were to turn your home upside down.
Everything about home contents insurance
Meet the king's home contents insurance... Cover for everything that would fall out if you were to turn your home upside down.
In a nutshell
With King Price's home contents insurance you can cover the things that make your house a home. It's that simple!
We've got your goodies covered
From TVs, to sheets, to garden furniture... Our home contents insurance covers all of this and then some!
In a nutshell
With King Price's home contents insurance you can cover the things that make your house a home. It's that simple!
We've got your goodies covered
From TVs, to sheets, to garden furniture... Our home contents insurance covers all of this and then some!
Comprehensive
This covers you for the loss of, or damage to, items in your home, which belong to you or to any members of your household who live with you, but not including tenants.
Fire and fury
This covers everything our comprehensive home contents insurance covers... Except theft or attempted theft. So, fire? Covered. Storm damage? Covered. Robbery? Afraid not.
Comprehensive
This covers you for the loss of, or damage to, items in your home, which belong to you or to any members of your household who live with you, but not including tenants.
Fire and fury
This covers everything our comprehensive home contents insurance covers... Except theft or attempted theft. So, fire? Covered. Storm damage? Covered. Robbery? Afraid not.
Optional cover
You may choose to add the following to your home contents insurance cover. If you do, it’ll will only be covered if it’s separately noted on your policy schedule, and an additional monthly premium is charged for it.
Optional cover
You may choose to add the following to your home contents insurance cover. If you do, it’ll will only be covered if it’s separately noted on your policy schedule, and an additional monthly premium is charged for it.
Power surges and dips
Power surges and dips
Goodies on-the-go
need cover too
Hey, we get that you need to take some of your valued possessions out on the town with you sometimes, like your laptop, tablet, or jewellery... Which is why we also offer portable possessions insurance to keep these things covered wherever you go!
Goodies on-the-go
need cover too
Hey, we get that you need to take some of your valued possessions out on the town with you sometimes, like your laptop, tablet, or jewellery... Which is why we also offer portable possessions insurance to keep these things covered wherever you go!
Things we don't cover under home contents insurance
Have no fear, though... We cover the following goodies under our portable possessions insurance. (Please note that these items must be specified separately.)
Things we don't cover under home contents insurance
Have no fear, though... We cover the following goodies under our portable possessions insurance. (Please note that these items must be specified separately.)
Bicycles
Hearing aids
Cellphones
Drones
Prescription glasses and contact lenses
Bicycles
Hearing aids
Cellphones
Drones
Prescription glasses and contact lenses
Understanding under-insurance
It's important to insure your home contents for their total replacement value (aka what it would cost to replace the items that you're claiming for with new items). If you insure the contents for an amount less than their replacement value, we’ll then pay you proportionately.
So, if the correct total insured value of the home contents at the time of a claim is R400,000 and you insure them for R200,000 only, then you’ll only be compensated for 50% of your loss.
Not sure how much cover you need? This handy form should help:
Understanding under-insurance
It's important to insure your home contents for their total replacement value (aka what it would cost to replace the items that you're claiming for with new items). If you insure the contents for an amount less than their replacement value, we’ll then pay you proportionately.
So, if the correct total insured value of the home contents at the time of a claim is R400,000 and you insure them for R200,000 only, then you’ll only be compensated for 50% of your loss.
Not sure how much cover you need? This handy form should help:
Frequently asked questions
Frequently asked questions
What's covered by home contents insurance?
Imagine turning your house upside down... Everything that would fall out, should be included under your home contents insurance cover.
Can you explain replacement value?
This is what it costs to replace something. For example, your couches may have cost R12,000 when you bought them 4 years ago, but might cost you R20,000 now. So, the replacement value would be R20,000.
How do I calculate replacement values?
You can work this out by going from room to room, filling in an inventory form (click
here
to download a template), and then adding replacement values.
How does home contents insurance work?
You take out this insurance to replace stolen or damaged valuables. These valuables are generally the items that don’t leave your home.
Home contents vs. buildings: What’s the difference?
Home contents insurance doesn’t cover things that your buildings insurance would normally cover.
Home contents vs. portable possessions: What’s the difference?
Home contents insurance doesn’t cover things that your portable possessions insurance would normally cover.
Under-insurance… What’s that?
This is when you don’t insure your items for what they’re really worth. Consider the replacement value of your contents and whether you could replace all your items with the value you listed.
Couldn't find the answer to your question?
Don't worry, we're here to help you! You can either read through our full FAQs and if you're still not sure, you can
WhatsApp
or call us on
0860 50 50 50
.