House Contents

Cover for Everything You Own

Your TV, furniture, appliances, clothing and personal possessions are worth more than you think. Horak Insurance Brokers helps you protect it all — at the right value and the right premium.

Get a Free Quote011 433 0201

What is House Contents Insurance?

House contents insurance covers everything inside your home that you'd take with you if you moved. Furniture, electronics, clothing, kitchenware, appliances, decorations — if it's not bolted down, it's contents.

Most South Africans dramatically under-insure their contents because they don't realise how much it would cost to replace everything. Horak Insurance Brokers helps you do an accurate valuation so when something happens, you're properly covered — not stuck paying out of pocket.

What's Covered

Theft & Burglary

Replacement cover for items stolen from your home during a break-in.

Fire & Smoke Damage

Cover for items damaged or destroyed by fire and resulting smoke.

Water Damage

Protection from burst geysers, leaking pipes and flooding.

Power Surges

Cover for electronics damaged by lightning or sudden power surges — common in SA.

Accidental Damage

Optional cover for accidents in the home — like spilling wine on the carpet.

Domestic Worker Cover

Optional cover for theft by domestic employees, including their possessions on your property.

Why Use a Contents Insurance Broker?

✓We help you do an accurate inventory so you don't under-insure
✓We compare quotes across all leading South African insurers
✓We explain excesses and limits so there are no surprises at claim time
✓We manage your claim end-to-end when something goes wrong
✓We bundle cover with car or building insurance for better rates where possible

Get Your Free Contents Insurance Quote Today

Serving clients across all of South Africa. Based at 28 Lebombo Street, Winchester Hills, Johannesburg. Call us on 011 433 0201 or request a free quote and we'll be in touch.

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