Home Contents Insurance

Get a Quick Home Contents Insurance Quote Now

Get a Quick Home Contents Insurance Quote Now

What is Home Contents Insurance?

 

Home Contents Insurance covers your household possessions if they are stolen or damaged. You can file a claim with your insurance provider and get a payout for the stipulated value amount of your possessions if something happens to them. Whether you buy or rent, you should insure your home and its contents. 

 

Picture this: there’s nothing like the feeling of getting home from work after a long day, putting your feet up, and watching your favourite TV show, is there? Except, eish, your TV cabinet is bare, and there’s just a couch-shaped patch of dust where you used to sit.

 

When you have Budget Home Contents Insurance, it suddenly doesn’t seem so bad. You just give us a call, and we’ll replace your stolen home contents in a jiffy. We offer two types of affordable Home Contents Insurance quotes - Comprehensive Home Contents Insurance and Fire and Storm Only. Read about them below and get the one that suits your needs and budget in minutes.

Comprehensive Home Contents Insurance

 

There’s a whole lot that we cover under our Comprehensive Home Insurance:

 

  • Theft of your guests’ and your domestic employees’ possessions.
  • We also cover stolen garden furniture and washing. 

  • Loss or damage to valuables in your home due to break-ins, theft, vandalism, geyser overflows, fires, lightning, storms, or power surges.

  • If load-shedding strikes and the food in your fridge and freezer deteriorates, we will cover it.

  • Rent to live elsewhere if you can’t stay in your home because of damage caused by a covered event. 

  • Homeowner’s or tenant’s liability, depending on whether you own or rent your home.

  • Vet bills for your pets if they’re injured in a road accident.

Get Cash Back with Budget

 

Embrace the incredible feeling of being covered, and guess what? It gets even better with our Cash Back Bonus! Top up your Budget Home Contents Insurance policy with our optional Cash Back Bonus add-on, stay two years claim-free, and voila, we'll treat you to some cash back. As you can see, it pays to insure your home. Get a Home Contents Insurance quote from us today.

Fire and Storm Only Home Contents Insurance

 

 

The name says Fire and Storm Only Home Insurance, but this type of Home Contents Insurance covers much more. You’ll have coverage for damage to your home contents caused by most natural disasters, including fires, storms, explosions, falling trees (except if they’re being felled), earthquakes, floods, and damage caused by burst or overflowing geysers, equipment, and pipes.

Home Contents Insurance quote

 

Calculating your Home Contents Insurance rates can be difficult. If you've never had home insurance before, you may not know how much you should pay or how many policies you'll need. 

No matter what your budget is, you can get an affordable Home Contents Insurance quote online in minutes – one that suits your pocket and covers all of your home insurance contents. Switch to Budget today so we can replace those beloved household items without a fuss if something happens to them. Use our home insurance quotes calculator.

We make it affordable to insure a home ‘cos you can’t afford not to.

Assist Benefits 

No matter which affordable Home Contents Insurance quote you choose, you get all of our helpful Assist Benefits. 

Home Assist

 

 

Home emergencies shouldn’t cost a fortune. Via Home Assist, we’ll pay for the call-out fee plus one hour’s labour if you have an emergency that requires an electrician, locksmith, glazier, or plumber.

Trauma Assist

 

 

We have a 24-hour phone line where you can get counselling and referrals following a traumatic event that happened to you or a loved one.

Legal Assist

 

 

Our team of professionals will give you expert telephonic advice on legal and tax matters, all at no cost when you take out Budget Home Contents Insurance.

Entertainment Assist

 

 

When you need a hotel, a restaurant, or information on local events, Budget’s Entertainment Assist is here for you. We take care of the finer details, giving you more time to enjoy yourself.

What clients say
A lady reviewing Budget Insurance for car insurance

Absolutely amazing service! Thank you to Eugene who helped the morning of the accident. Our claim was handled in record time, and you phoned exactly when you said you would. Thank you Budget. All your people are gems.

 

Annelize Faca

More about home contents insurance

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Ensure your belongings are fully protected with Budget Insurance. Learn how to create a detailed home inventory and simplify your claims process.

 

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Affordable Ways To Survive Load Shedding At Home

 

Navigate load shedding without stress or expense. Discover Budget Insurance's guide for affordable ways to power through blackouts and make the most of electrical downtime.

 

 

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Household Insurance Tips: How To Avoid Being Underinsured

 

Protect your home and valuables effectively with Budget Insurance. Learn how to avoid being underinsured and ensure your coverage is always up-to-date.

 

 

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Home Contents Insurance FAQs

Can I add Home Contents Insurance to my Home Insurance?

Yes, you can add this to your Home Insurance policy. We recommend both Building Insurance and Home Contents Insurance so that your structural building and the contents inside your home are covered. 

Can I claim on household appliances with Home Contents Insurance?

Yes, this type of insurance is there to help cover your home contents, including your appliances. Contact Budget Insurance for a Home Contents Insurance quote and to find out what types of cover you need for your home.

What is not covered by Home Insurance?

Your Home Insurance is typically comprehensive. However, if you don’t maintain your home well, your policy may not cover the resulting incidents. These circumstances include:

  • If insects like termites cause damage to your home, it may not be covered as this may easily be avoided by doing regular pest control. The same goes for damage caused by rats or birds. 

  • Issues like mould, rust and other wear and tear may also be excluded, as these should be taken care of in your regular maintenance protocols. 

  • Your policy may also not pay out if something goes wrong with an item due to poor workmanship or a defect. 

  • Lastly, your policy may also exclude damage caused by agricultural and industrial processes nearby.

 

What insurance do you need for your home?

You need a combination of Buildings Insurance and Home Contents Insurance for the best Home Insurance coverage. These two policies will ensure that the structures on your property and their contents have cover if there’s an incident.

What does Home Contents Insurance cover?

Home Contents Insurance includes:

  • Cover for loss or damage to household goods and personal possessions

  • Cover for loss or damage caused by fire, lightning, power surge, explosion, malicious damage, storms, bursting or overflowing of geysers, equipment or pipes, break-in and theft

  • Cover for food that deteriorates because of a power failure or if your freezer breaks down

  • Cover for stolen washing and/or garden furniture

  • Cover in the event of your and/or your spouse’s death if caused by fire or break-in at your home

  • Cover for your domestic employees' or guests’ belongings (only if there is proof of damage caused by a break-in)

  • Liability as a householder

  • Tenants liability as a householder

  • Liability to domestic employees if he/she is injured or dies at your home while working

  • The option to increase your Householders Liability Cover to R5 million, R10 million, or R20 million

  • Budget’s Home Contents Insurance automatically includes Assist Benefits.

Get a Home Contents Insurance Quote Today 

Apply for a quick Home Contents Insurance quote.