Your Houseowner Insurance only covers the building. How about your house contents e.g. computer, jewellery, designer bags and watches, and other personal valuables? The house contents need to be covered with a Householder Insurance.
It is common for house owners to have fire (houseowner) insurance for their houses as the banks will purchase on their behalf. It is surprising that many house owners failed to insure their house contents against fire or burglary. Make an itemise inventory of your house contents and you will be surprised at the contents value that you have accumulated over the years.
When it comes to determining the contents insured value, it is advisable to take an itemise inventory of your house contents broken-down into rooms. This will give you a good idea on the amount to the insurer for our house contents.
Summary of Coverage for householder insurance:
- Fire, lightning, thunderbolt and subterranean fire (house contents damaged by fire)
- Explosion
- Aircraft, other aerial devices and / or articles dropped
- Impact Damage
- Bursting or overflowing of domestic water tanks, apparatus or pipes
- Theft
- Hurricane, cyclone, typhoon, windstorm (house contents damaged by windstorm)
- Earthquake, volcanic eruption
- Flood (house contents damaged by flood)
Optional Extensions are available:
- Full Theft – Theft without forcible entry / exit
- All Risks – covers accidental damage to home contents
- Worldwide personal effects and valuables cover – camera, jewellery, watches, designer bags, laptop etc.