You can also choose the cover you want

Comprehensive home contents cover

With comprehensive home contents insurance you’re covered for the loss of, or damage to, items in your home, which belong to you and the people who live with you.

Fire and fury cover

With this home contents insurance option, you’re covered for the loss of, or damage to, items in your home, which belong to you and the people who live with you, except if this loss or damage is the result of theft or attempted theft. So, fire? Covered. Storm damage? Covered. Robbery? Afraid not. Our fire and fury option also doesn’t cover any loss or damage arising from theft or attempted theft. With this option, your home contents are covered against fire, but not if the fire was started by burglars.

Goodies on-the-go need portable cover

Sometimes, you do 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 it 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:

• Cell phones.
• Bicycles.
• 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 bicycles 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 for that to happen.

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