Household Content Insurance

Whether you own or rent a home, all your possessions which make your house a home can become valuable. What if your furniture, electronics, or clothes got damaged or stolen?

Not to worry Mmela Household Contents Insurance has coverage for the contents of your home at affordable premiums

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What is Household Content Insurance

Home Content Insurance

Household contents insurance covers the belongings and personal items within your home. This type of insurance is designed to protect your possessions against various risks, such as theft, fire, vandalism, or damage caused by covered perils like storms or water leaks.

Household Contents Insurance may cover items such as:

  • Furniture: Sofas, tables, chairs, beds, etc.
  • Appliances: Refrigerators, washing machines, TV’s etc.
  • Electronics: Computers, laptops, tablets, smartphones, etc.
  • Clothing: Clothing and personal belongings.
  • Valuables: Jewellery, artworks, collectibles, etc.

Types of Value Added Products and Services

Value-added Services are services that are attached to your primary insurance policy

Accidental Damage

All Risks Cover

All Risk Insurance also known as Portable Possessions Insurance, covers items you never leave home without, such as cellphones, laptops, sunglasses, cameras, watches, wallets

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Tips For Your Household Content Insurance

Assess You Belongings

Make an inventory of all your possessions, including furniture, electronics, jewellery, and other valuable items. Knowing the value and extent of your belongings will help you determine the coverage needed.

Understand Policy Coverage

Different policies offer varying levels of coverage. Ensure you understand what the policy covers and any exclusions. Common coverage includes theft, fire, water damage, natural disasters, and accidental damage.

Inform Your Insurance of Changes

Notify your insurance provider of any significant changes in your household, such as new high-value purchases or renovations. This ensures your policy remains adequate for your needs.

Coverage Limits

Check for any limits on specific items, such as expensive jewellery, electronics, or artwork. You might need additional coverage, known as rider or floater, for high-value items that exceed these limits.

Keep Documentation

Maintain records of your possessions, including receipts, appraisals, serial numbers, and photographs. This documentation can expedite the claims process.

Regularly Review and Update

Review your policy annually or when significant changes occur in your household to ensure you have adequate coverage. Life changes, such as moving, buying new items, or downsizing, can impact your insurance needs.