Cover your furniture, appliances, electronics, clothes and more against theft, fire, storms, water damage and more, depending on the cover you choose.
★ 4.8 average customer rating on Hellopeter
R10 million in claims paid every day, on average
Most of what falls out is your home contents. Your couch. Your TV. Your fridge. Your clothes. Your appliances. King Price home contents insurance helps protect those belongings against covered losses.
| What's covered | Comprehensive | Fire and Fury |
|---|---|---|
| Theft and attempted theft | ✓ | ✕ |
| Fire, explosion and lightning | ✓ | ✓ |
| Storm, hail and flood | ✓ | ✓ |
| Burst geyser and pipe damage | ✓ | ✓ |
| Accidental TV damage | ✓ | ✓ |
| Malicious damage | ✓ | ✓ |
| Spoiled food and lost keys* | ✓ | ✓ |
| Stolen washing* | ✓ | ✕ |
| Guests' and domestic employees' belongings* | ✓ | ✕ |
| Fire started by burglars during a break-in | ✓ | ✕ |
Furniture, appliances, electronics, clothes and everyday household items add up quickly.
Home contents insurance means an insured disaster doesn't necessarily have to become a massive bill you need to cover yourself.
Comprehensive home contents insurance
Our broader home contents option.
BEST FOR:People who want their contents covered against theft as well as other insured events.
Fire and fury home contents insurance
Get protection against many of the same insured events as comprehensive, but without theft and attempted theft cover.
BEST FOR:People who don't need theft cover but still want protection against things like fire, storms and water damage.
GET MY QUOTEProfessional, friendly and helpful. No waiting for schedules, they do things immediately.Alida M
I was so surprised by the level of client interaction. I have had the best service interaction from King Price Insurance.Bernard
Home contents insurance protects the belongings inside your home against insured events such as theft, fire, storms, floods, water damage and more, depending on the cover you choose.
An easy way to think about it is to imagine turning your house upside down. Most of what would fall out is your home contents.
Home contents insurance can cover belongings such as your furniture, TVs, appliances, clothes, kitchenware, linen, electronics, garden furniture and more.
Your cover depends on the option you choose and the terms of your policy.
The biggest difference is theft.
Comprehensive includes theft and attempted theft.
Fire and Fury covers a range of other insured events such as fire, storms, floods and water damage, but doesn't cover theft or attempted theft.
There isn't one standard premium.
Your price depends on factors including the value of your contents, where you live, your security, the cover you choose and your individual risk profile.
The easiest way to find out what you'll pay is to get a personalised King Price quote.
Enough to replace all your belongings with new equivalents at today's prices.
Go through your home room by room and estimate what it would cost to replace your furniture, electronics, appliances, clothing and other belongings.
Yes.
Home contents insurance protects your belongings, so you can insure them whether you rent or own your home.
The building itself is generally your landlord's responsibility to insure.
Cellphones need portable possessions cover.
You can ask us about adding this when you get your quote.
Your laptop can form part of your home contents while it's at home, subject to the terms of your policy.
If you want it covered while you're away from home, you may need portable possessions cover.
Jewellery can be covered inside your home, subject to your policy terms.
A single item worth more than R35,000 needs to be stored in a SABS-compliant safe when you aren't wearing it.
If you want it covered away from home too, add it under portable possessions cover.
Yes. Optional power surge and dip cover can be added to your home contents policy.
An additional premium applies and your chosen insured amount will be shown on your policy schedule.
Food spoiled because of certain insured events, including a fridge or freezer breakdown or certain power failures at your home, may be covered as a Royal Extra.*
Food spoiled because of electricity grid failure such as loadshedding isn't covered.
Buildings insurance protects the physical structure of your home and permanent fixtures.
Home contents insurance protects the belongings inside it.
The house is the building. The stuff inside is the contents.