If you turned your house upside down and gave it a good shake, whatever falls out is usually considered ‘home contents’. Sounds simple enough, right? But like trying to keep a bunny in a hat (or kids out of the pantry), the details matter. And because we’re all about making life (and insurance) simpler, we’re here to unpack what exactly counts as contents, and why it matters.
Home contents vs. buildings insurance: Don’t get it twisted
Let’s start at the top. Buildings insurance covers the physical, fixed parts of your property… Think walls, floors, ceilings, roofs, garages, driveways, and yes, even that fancy light fitting you bought at a midnight online sale.
Home contents insurance, on the other hand, covers all the goodies inside your home. So, your couch, fridge, favourite mug, TV, and even your collection of vintage vinyls (no judgement here) is covered under contents. Basically, if it’s not nailed, glued, or cemented down, its contents.
What home contents insurance actually covers
At King Price, our home contents insurance covers your stuff against things like fire, floods, theft, and accidental damage.
Here’s a quick list of some common home contents we cover:
- Furniture (sofas, beds, dining tables).
- Appliances (microwaves, washing machines, kettles).
- Electronics (TVs, speakers, laptops).
- Kitchenware (pots, pans, that cheese grater you never use).
- Personal items like jewellery (if specified).
Don’t forget the garden
Yup, if it lives in your garden but isn’t rooted to the ground (like your potted plants, braai stand or outdoor furniture), it may also be covered. Just make sure it’s listed.
Wendy houses and the like
Contents inside a wendy house? Covered! As long as it’s locked, has an alarm if required, and is listed on your policy. The wendy itself? That falls under buildings insurance.
When you might not be covered
Insurance isn’t a magic wand (although we wish it were). There are things we can’t cover:
- Gradual wear and tear (like that couch you should’ve reupholstered years ago).
- Loss due to scams or fraud.
- Items not properly specified (looking at you, R30,000 wristwatch).
Handy tip from the king: Inventory = everything
Keep an up-to-date list of your home contents. Snap pics, jot down serial numbers, and stash the info somewhere safe. If you ever need to claim, you’ll be glad you did.
What makes King Price contents cover different
- Flexible excess options to suit your budget.
- Add-on home assist for emergency repairs.
- Cover for alternative power setups like generators and inverters.
- Royal service with real humans, no robots.
So, next time you wonder what counts as home contents, just imagine tipping your house upside down. And if it lands on your head, it’s probably covered.
Looking to insure your treasures for less? With the king, you can get simple, affordable contents insurance fit for royalty.
Simply WhatsApp 0860 50 50 50 or click here to get a commitment-free quote.
Our website T’s and C’s can be found here.
FAQs
1. What’s covered under home contents insurance? Home contents insurance covers everything inside your home that isn’t fixed to the structure, like furniture, appliances, clothing, and electronics.
2. Are outdoor items like patio furniture covered? Yes, if they aren’t permanently fixed and you list them on your policy, they can be covered.
3. Do I need to list all my belongings? High-value items like jewellery and art should be specified. For general items, you just need an accurate total value.
4. Are items in my garage or wendy house covered? Yes, if they belong to you and the space is secure (locked and alarmed, if needed), they can be covered.
Unfortunately we do not have your back… haha This is accidental and under home contents we only cover the following under accidental damage:
You’re covered for accidental damage:
You’re covered for accidental damage of TVs and mirrors or glass that form part of any furniture. There’s no cover, however, for accidental damage to any other items. So, you won’t be able to claim for damage to an ornament that has accidentally been dropped or broken.
By floods and fire the intention is more regarding natural occurances