Insurance
Compare Home Contents Insurance in South Africa
Contents cover is about household goods. An item covered at home is not automatically covered when you take it out.
Premiums, excesses, contributions and cover depend on your circumstances and the policy or scheme rules. Confirm the final terms before you buy. Information checked 29 October 2026.
Compare providers
The provider name links to the WiT Money profile where one exists. The gold button opens the recorded website. It is not a quote and not an application.
9 of 9 products, in provider name order. A missing premium, contribution or excess is not shown as zero, and nothing is ranked as cheapest. A filter matches the published line. It does not decide that you qualify.
Auto & GeneralHome Contents Insurance cover / quote
Insurer / brand / intermediary. Confirm which company issues the policy.
- Premium
- Personalised quotation. A premium is not printed on this card.
- Excess
- Confirm the excess on the quote and the policy schedule.
Underwriter or legal entity. Brand / distribution; verify issuer in policy
What the product line describes. Household possessions against insured damage or theft; check all-risk portable item cover
Advantages
- Motor and home options including selected higher-limit plans
- Official premium cover materials describe optional add-ons
Considerations
- Underinsurance and average clauses may reduce partial-claim payouts
- Items used or carried outside home may need separate portable-possession cover
Notes checked 29 October 2026. A benefit is confirmed only when the policy schedule includes it. A missing limit is not R0.
Budget InsuranceHome Contents Insurance cover / quote
Insurer / brand / intermediary. Confirm which company issues the policy.
- Premium
- Personalised quotation. A premium is not printed on this card.
- Excess
- Confirm the excess on the quote and the policy schedule.
Underwriter or legal entity. Brand / distribution; check insurer in quote
What the product line describes. Household possessions against insured damage or theft; check all-risk portable item cover
Advantages
- Multiple motor cover levels
- Buildings and home contents products included in product documentation
Considerations
- Underinsurance and average clauses may reduce partial-claim payouts
- Items used or carried outside home may need separate portable-possession cover
Notes checked 29 October 2026. A benefit is confirmed only when the policy schedule includes it. A missing limit is not R0.
Discovery InsureHome Contents Insurance cover / quote
Insurer / brand / intermediary. Confirm which company issues the policy.
- Premium
- Personalised quotation. A premium is not printed on this card.
- Excess
- Confirm the excess on the quote and the policy schedule.
Underwriter or legal entity. Confirm the legal insurer on the policy schedule.
What the product line describes. Household possessions against insured damage or theft; check all-risk portable item cover
Advantages
- Car, buildings and contents offering across plan levels
- Home cover provides home-assistance and valuables options on selected plans
Considerations
- Underinsurance and average clauses may reduce partial-claim payouts
- Items used or carried outside home may need separate portable-possession cover
Notes checked 29 October 2026. A benefit is confirmed only when the policy schedule includes it. A missing limit is not R0.
King PriceHome Contents Insurance cover / quote
Insurer / brand / intermediary. Confirm which company issues the policy.
- Premium
- Personalised quotation. A premium is not printed on this card.
- Excess
- Confirm the excess on the quote and the policy schedule.
Underwriter or legal entity. King Price Insurance; licensed insurer, FSP claim on brand page That number is copied from the recorded provider page. WiT Money has not checked it on a register.
What the product line describes. Household possessions against insured damage or theft; check all-risk portable item cover
Advantages
- Publishes car, buildings and contents product information
- Different motor premium model; check eligibility and annual review
Considerations
- Underinsurance and average clauses may reduce partial-claim payouts
- Items used or carried outside home may need separate portable-possession cover
Notes checked 29 October 2026. A benefit is confirmed only when the policy schedule includes it. A missing limit is not R0.
Momentum InsureHome Contents Insurance cover / quote
Insurer / brand / intermediary. Confirm which company issues the policy.
- Premium
- Personalised quotation. A premium is not printed on this card.
- Excess
- Confirm the excess on the quote and the policy schedule.
Underwriter or legal entity. Momentum insurance group; confirm contracting insurer
What the product line describes. Household possessions against insured damage or theft; check all-risk portable item cover
Advantages
- Official car, building and contents quote information
- Select cover has optional extensions and emergency assistance features
Considerations
- Underinsurance and average clauses may reduce partial-claim payouts
- Items used or carried outside home may need separate portable-possession cover
Notes checked 29 October 2026. A benefit is confirmed only when the policy schedule includes it. A missing limit is not R0.
- Naked. No official logo is shown.Naked
Home Contents Insurance cover / quote
Insurer / brand / intermediary. Confirm which company issues the policy.
- Premium
- Personalised quotation. A premium is not printed on this card.
- Excess
- Confirm the excess on the quote and the policy schedule.
Underwriter or legal entity. Platform/brand; official site states Hollard Specialist Insurance underwriting
What the product line describes. Household possessions against insured damage or theft; check all-risk portable item cover
Advantages
- Digital quote, policy management and claims
- Officially describes car, buildings and contents cover
Considerations
- Underinsurance and average clauses may reduce partial-claim payouts
- Items used or carried outside home may need separate portable-possession cover
Notes checked 29 October 2026. A benefit is confirmed only when the policy schedule includes it. A missing limit is not R0.
OUTsuranceHome Contents Insurance cover / quote
Insurer / brand / intermediary. Confirm which company issues the policy.
- Premium
- Personalised quotation. A premium is not printed on this card.
- Excess
- Confirm the excess on the quote and the policy schedule.
Underwriter or legal entity. OUTsurance Insurance Company Limited identified in official documents
What the product line describes. Household possessions against insured damage or theft; check all-risk portable item cover
Advantages
- Official product document library covers motor and home
- Direct-to-consumer quote and servicing options
Considerations
- Underinsurance and average clauses may reduce partial-claim payouts
- Items used or carried outside home may need separate portable-possession cover
Notes checked 29 October 2026. A benefit is confirmed only when the policy schedule includes it. A missing limit is not R0.
PineappleHome Contents Insurance cover / quote
Insurer / brand / intermediary. Confirm which company issues the policy.
- Premium
- Personalised quotation. A premium is not printed on this card.
- Excess
- Confirm the excess on the quote and the policy schedule.
Underwriter or legal entity. Platform/FSP; official site states Old Mutual Alternative Risk Transfer Insure underwriting That number is copied from the recorded provider page. WiT Money has not checked it on a register.
What the product line describes. Household possessions against insured damage or theft; check all-risk portable item cover
Advantages
- Digital car quotation and contents access
- Official disclosure identifies underwriting entity
Considerations
- Underinsurance and average clauses may reduce partial-claim payouts
- Items used or carried outside home may need separate portable-possession cover
Notes checked 29 October 2026. A benefit is confirmed only when the policy schedule includes it. A missing limit is not R0.
SantamHome Contents Insurance cover / quote
Insurer / brand / intermediary. Confirm which company issues the policy.
- Premium
- Personalised quotation. A premium is not printed on this card.
- Excess
- Confirm the excess on the quote and the policy schedule.
Underwriter or legal entity. Licensed insurer / insurer group; confirm exact issuer
What the product line describes. Household possessions against insured damage or theft; check all-risk portable item cover
Advantages
- Multi-line personal insurance brochure describes motor and property cover
- Broad building and household contents risk categories
Considerations
- Underinsurance and average clauses may reduce partial-claim payouts
- Items used or carried outside home may need separate portable-possession cover
Notes checked 29 October 2026. A benefit is confirmed only when the policy schedule includes it. A missing limit is not R0.
Compare selected products
Choose up to three from this page. A missing benefit is not treated as excluded. Confirm it in the wording.
No products selected.
Not shown as a current product
- MiWay. Home Contents Insurance cover / quote. Confirm with the provider before treating it as available.
- Old Mutual Insure. Home Contents Insurance cover / quote. Confirm with the provider before treating it as available.
- Hollard. Home Contents Insurance cover / quote. Confirm with the provider before treating it as available.
- Absa Insurance. Home Contents Insurance cover / quote. Confirm with the provider before treating it as available.
- FNB Insurance. Home Contents Insurance cover / quote. Confirm with the provider before treating it as available.
Estimate with your own figures
Type the amounts you want to test. The result uses those amounts only. It does not fetch a quote, and it does not decide a claim.
How to read this comparison
Household goods at the insured address and items you take with you are often different sections. A single-item limit can apply even when the overall sum insured looks large. Specified jewellery, phones and laptops usually need to be listed.
Security conditions, such as an alarm or burglar bars, can be part of the contract. Accidental damage is not the same as wear and tear.
Contents insurance covers household goods inside the home and, if you add an all-risk section, some items you take with you. The sum insured should be what it would cost to replace everything new, if that is the basis of the policy, down to linen and tools.
A phone, a laptop, a bicycle and jewellery are the claims people argue about. Many policies limit them unless they are specified. Specify them.
How the cover works
Inside the house
Theft usually requires forcible entry, unless the wording is wider. Leaving a door open can be the difference between a claim and a refusal.
Out of the house
All-risk or portable-possessions cover is a separate section. Without it, items stolen from a car or a bag may not be paid.
Proof
Photos, receipts and serial numbers make a claim faster. You will not enjoy making the list after a burglary.
What to check
Sum insured
A full replacement total.
Specified items
Anything above the single-item limit.
Security warranty
Bars, gates, alarm, armed response.
Excess
The rand you pay on a theft claim.
Risks
- A sum insured picked because the premium looked nice.
- An alarm that was not set.
- Assuming the landlord's policy covers your furniture. It does not.
Claims and complaints
Report a claim to the insurer, scheme or administrator named on your documents, in the way the policy or scheme rules describe. WiT Money does not decide the claim. If you have complained to that organisation and you are still not satisfied, the National Financial Ombud Scheme handles certain financial complaints, and the Council for Medical Schemes handles medical scheme complaints. Take the policy schedule, the rejection letter and the claim documents with you.
How WiT Money compares these products
Products stay in provider name order. A car excess, a funeral benefit, a medical scheme contribution and a pet plan are not sorted against one another. Nothing is ranked as the cheapest. A listed name is not a recommendation, and WiT Money does not sell the policy. Where this site has the provider's logo, it is shown. Otherwise the name is shown without a mark. An FSP number or a scheme registration number is not printed unless the recorded page already states it, and it is not a register check by WiT Money.
Questions readers ask
I rent. Do I need this?
The landlord's buildings policy does not replace your belongings. Contents cover is the renter's policy.
Is my phone covered?
Often only up to a small limit, or only if you specify it and pay for all-risk cover. Check the schedule.
What does new-for-old mean?
The policy pays the replacement cost of a new item, not the second-hand value, if that is the basis you bought and you were not underinsured.
Related products
Guides
Other insurance pages
Sources
Page updated 29 October 2026. A source date is the day WiT Money checked that page, not a promise the institution has not changed it since.
- Financial Sector Conduct Authority
Financial Sector Conduct Authority · checked 28 October 2026
- SASRIA
SASRIA SOC Ltd · checked 29 October 2026
- National Financial Ombud Scheme South Africa
National Financial Ombud Scheme South Africa · checked 29 October 2026