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Home Contents Insurance - A guide to Home Owners Insurance

Date : 22 Jun, 2023

Author : Anika le Roux

Your home is not just a physical structure but a place filled with memories and cherished possessions. While safeguarding the structure of your home is crucial, it's equally important to protect your valuable belongings inside the structure. In this blog post, we will explore the significance of contents insurance, including coverage for accidental damage and power surge, while also highlighting certain items typically not covered under this policy.

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Understanding Contents Insurance:

Contents insurance is specifically designed to protect your personal belongings within the premises of your home. It provides coverage for a wide range of possessions, including furniture, appliances, electronics, clothing, and other valuable items. With contents insurance, you can find peace of mind knowing that your belongings are protected against perils such as fire, theft, lightning damage, water damage, and more.

Coverage for Accidental Damage:

Accidents can happen at any time, even within the confines of your home. To ensure comprehensive protection, house contents policies also offer cover for accidental damage to your possessions, while some companies include it automatically, others offer it as an optional extension. Please make sure to review your policy and discuss it with your adviser or insurer. This cover may have a limited amount that you will be covered for. Accidental damage coverage provides financial assistance in the event that your belongings are accidentally damaged due to unforeseen circumstances, such as a broken television. Unfortunately, your own pets that cause accidental damage won’t be covered by most insurance companies.

Power Surge Coverage:

Power surges can wreak havoc on your electrical systems and sensitive electronic devices. To address this potential threat, certain house contents policies offer coverage for power surge damage. This coverage helps protect your electronics and appliances from damage caused by sudden spikes in electricity. Additionally, investing in power surge suppressors can provide an added layer of protection and potentially reduce the risk of damage to your valuable devices. Similar to accidental damage coverage, power surge coverage may be offered as an optional extension with a limited cover amount, so be sure to inquire about this option when selecting your policy.

Items Not Covered:

While contents insurance covers a wide range of possessions, it's important to note that certain high-value items are typically excluded from the standard coverage. These items may include laptops, cell phones, and jewellery when it is being worn when you are leaving your house. Given their high susceptibility to loss or theft, insurance providers often require additional coverage specifically tailored to these valuable items. If you possess such items, it's advisable to consult with your insurance provider to discuss specific coverage options and ensure adequate protection.

Securing Your Valuables:

When it comes to protecting your valuables, taking proactive steps is essential. Here are a few tips to enhance the security of your belongings:

  1. Create an inventory: Maintain an up-to-date inventory of your possessions, including detailed descriptions, photographs, and estimated values. This documentation will prove invaluable in the event of a claim.

    This will also safeguard you against average being applied at claims stage when you do a comprehensive inventory to determine your replacement value for your house contents. If you are underinsured, your full claim will not be paid out, you must correctly insure your contents for the full replacement value, you cannot decide to only cover “certain” items inside your home under this section.
  2. Install security measures: Having at least burglar bars and security gates in front of all opening windows and doors might be the minimum security requirements if you do not reside in a security estate. Furthermore, 24-hour linked alarm systems may also be required by your insurer. These deterrents can help reduce the risk of theft and provide added peace of mind.
  3. Store valuable items securely: For items such as jewellery or important documents, consider utilizing a secure safe or safety deposit box. This additional layer of protection can help safeguard these items from loss or theft. It may also be required from your insurer to keep jewellery above a certain value in a locked safe, when it is not being worn, to ensure it will have cover for theft.


Contents insurance is a vital component, providing comprehensive coverage for your personal belongings. It offers protection against perils such as fire, lightning, water damage, theft, accidental damage, and power surges, ensuring that your valued possessions are safeguarded. While certain high-value items may require additional coverage, it's important to review your policy and explore options that align with your specific needs. By securing your valuables and investing in the appropriate cover, you can enjoy peace of mind knowing that your treasured belongings are protected against unforeseen events.

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