Household content insurance

Household content insurance is essential in South Africa - and more affordable than you'd think! Get a free household insurance quote now and see!

Household content cover is fast becoming more of a necessity than a luxury in SA. If you own a vehicle, chances are it's been broken into at least once, and for many people it's only a question of time before their homes get broken into.

Much as this is not a pleasant prospect to dwell on, the reality is that you will probably not be in the financial position to replace all your material possessions if your house was to be cleaned out. Sure, you could replace one item at a time, yet all your digital, sound and computer equipment, all at once?

Why household insurance is more affordable than car insurance

Household insurance tends to be far more affordable than car insurance cover or other types of vehicle insurance, as cars carry a greater underwriting risk, given that they are often parked on the road in less than premier suburbs. Under such circumstances, vehicles are actively targeted by criminals, making the risk of theft or break-ins far higher than that associated with a secure home.

In my personal experience, living in the fairly risky suburb that is Mowbray, approximately R50 000 of household content, including provision for a digital camera, a pair of designer spectacles and a fairly expensive mountain bike set me back in the region of R120 a month, whereas the insurance on my entry-level Corsa Lite 1.4i, which originally cost approximately R70 000, set me back more than R500 a month, despite the fact that I was 26 at the time.

Knowing that suburb was not the safest, I opted to mitigate my theft and burglary risks by signing up for a household content and car insurance combination policy. I justified this cost as follows: To replace only my state-of-the-art convection microwave would cost approximately R3000 - that's R100 per month x 30 months - meaning that the cost of peace of mind was far less than the total cost of replacing my total household content.

Why household content insurance makes sense

Taking this line of thinking one step further, at a cost of approximately R4 per day, I was covered for R50 000. That's half a cup of coffee, and I stopped worrying about burglaries the very moment the policy was in place.

Crime of course isn't the only thing your household content cover policy will cover you against. Comprehensive household insurance policies will generally also cover you against fire damage, with additional benefits such cover against flood damage and civil unrest being optional extras. Not all car insurance companies automatically include these types of additional cover, so be sure to establish exactly what your home content policy will cover you against.

Requesting household insurance quotes online

Simply complete the below form to request a free household insurance quote from Dial Direct now:

Most household content insurance policies are bundled with car insurance cover insurance polices - which is recommended, as the total bundled insurance policy tends to cost less than the sum of the parts.

Getting SA's most affordable household content insurance quotes

When you sign up for Dial Direct's home content insurance online, you will even qualify for an additional 5% discount on your monthly premiums, giving you a particularly sweet deal on peace of mind. Additionally, you will also qualify for the Bucks Back Bonus - your first year's premium contributions as a lump sum cash-back - if you don't submit any policy claims for a period of four consecutive years!

One thing to be aware of is that most household content insurers will not allow you to insure a pair of sunglasses, a camera or sports equipment without taking out a comprehensive household content insurance policy, as it would not be worth their while to insure such high theft-risk items on their own.