Contents Insurance

Contents insurance safeguards you against the cost of either repairing or replacing your personal belongings inside your house against an insurable peril.

Insured amount must be calculated on the replacement value of your belongings.

Contents refers to all your belongings inside your home. This includes items like furniture, curtains, appliances (TV, Microwave, Radio etc.), crockery, clothing and more. Basically it is all the things you would take with you if you should move house that is not permanently fixed to the structure.

Insurable perils under this extension on most policies are Fire, Explosion, Storm, Wind, Water, Floods, Snow, Hail, Earthquake, Lightning, Power surge, Burglary, Impact damage, Malicious damage.

Every insurer’s standard perils differ a little and can be extended by including other optional perils unique to each insurer. This allows that every policy can be tailored to your specific needs.