What is All-Risk Insurance?
All-risk insurance — sometimes called individual items or portable possessions cover — protects specific high-value items against loss, theft and accidental damage, no matter where you are. Lost your wedding ring at the gym? Phone stolen at a restaurant? Laptop dropped on the way to a meeting? All-risk cover handles it.
Standard contents insurance only covers items inside your home. All-risk extends that protection wherever you go — within South Africa and often internationally too. Horak Insurance Brokers helps you decide which items to schedule individually and which to bundle.
What's Covered
Jewellery & Watches
Engagement rings, wedding bands, family heirlooms and luxury watches — covered against loss and theft.
Laptops & Tablets
Cover for portable electronics whether at home, at the office or in transit.
Cell Phones
Replacement cover for stolen, lost or damaged phones — including water damage.
Cameras & Equipment
Professional and personal photography equipment covered for travel and use.
Sports Equipment
Bicycles, golf clubs, gym equipment and other gear protected on and off your property.
Handbags & Wallets
Cover for the contents — including cards, cash and personal items inside.
Why Use a Broker for All-Risk Cover?
Get Your Free All-Risk 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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