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House contents cover protects the belongings inside your home if they’re damaged, destroyed or stolen due to insured events such as fire, storm damage, leaking pipes, or burglary.

Without cover, you would need to replace these items yourself, which can be costly and unexpected.

House contents cover insures the items you own or are responsible for as a tenant inside your home, including furniture and appliances, clothing and personal belongings, electronics, household goods, and fixtures and fittings.

Cover applies while items are inside your home and, in certain situations, when they are temporarily elsewhere.

Your contents are covered for loss or damage caused by events such as fire, lightning and explosion; storm, wind, flood, hail or snow; burglary and theft, subject to security requirements; burst or leaking water or oil pipes; malicious damage; impact by vehicles, animals, or falling trees; and earthquakes or mining-related earth tremors.

Understanding what is covered and what isn’t helps set clear expectations and reduces the risk of claim disputes later.

Cover does not apply to loss or damage caused by things like wear and tear or gradual deterioration, rust, mildew, damp or corrosion, theft when your home is rented out or sublet, damage caused by pests such as rodents or termites, and items that are specifically excluded, such as vehicles, cash, or documents.

Full exclusions are listed in the policy.

You should insure your contents for their full replacement value as new. This is the amount it would cost you to replace everything today, not what you originally paid for it.

If your insured amount is too low, underinsurance may apply and claims may be paid out proportionately.

A good habit is to review your insured amount regularly, especially after buying new items, moving home or making changes to your household.

Keeping your insured amount accurate and up to date helps you avoid this shortfall.

If your contents are insured for less than their full replacement value, your claim payout may be reduced proportionally.

This means you could receive less than expected at claim stage, which is why keeping your cover amount accurate and up to date is important.

Yes. House contents cover is suitable whether you own or rent, and whether you live in a freestanding home, complex, or an estate.

Even when the building is insured separately, your personal belongings inside the home still need protection.

House contents cover looks after the items inside your home, while building cover protects the structure of the home itself, like walls, roofs and fixed fittings. If you rent, the building is usually insured by the landlord or body corporate.

However, your belongings remain your responsibility, which is where house contents cover helps.

Yes. House contents cover includes protection for loss or damage caused by power surges to insured electrical and electronic equipment, up to the limit stated in your policy.

As with all claims, normal policy conditions and exclusions apply, so it’s a good idea to check your cover limit before an insured event occurs.

When you take out cover, review your policy schedule and wording carefully. Check what events you’re covered for, what exclusions and limits apply, your insured amount, your excess, and any conditions that could affect a claim, such as security requirements.

This helps you understand what to expect, avoid surprises later, and make sure your cover matches your needs.

If anything is unclear, ask us to explain it before you need to claim, so you know exactly how your cover works.

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House contents cover includes access to practical support when you need it most. Depending on the situation, this support may include onsite guard protection to help prevent further loss, temporary accommodation if your home becomes uninhabitable, and trauma counselling and legal assistance at no extra cost.

This is offered to help you feel safe and supported while your claim is being processed. If you’re a client, you can call 0860 000 538 to access value-added benefits. We’ll guide you through what to do next and support you step by step while your claim is being processed.

You can also call us on 0800 333 111 to find out what benefits are available to you.

If you move to a new home, it’s important to let us know as soon as possible so your house contents cover can be updated with the correct risk address.

A change in address can affect how your cover applies and may also impact your premium. Updating your details helps ensure your belongings remain properly protected at your new home and avoids gaps in cover.

If you’re planning a move or have already moved, you can contact us to review and update your policy in line with your new circumstances and policy terms.

Try to update your policy before you move, or as soon as your move is confirmed, so your cover stays aligned to your new home.

To manage your policy, you can call us on 0800 333 111 or send an email to clientservices@nedbankinsurance.co.za.

Your premium may change over time. This can happen if there are updates to your cover, the insured amount or your risk details, or as part of an annual review in line with your policy terms.

Premium changes can also reflect broader factors, such as claim trends or underwriting adjustments.

If your premium does change, you’re always welcome to ask for clarity so you can understand what’s behind it and what options are available to you.

Before making any changes or cancelling, speak to us so we can help you understand your options.

If you can no longer afford your premium, you have options such as reviewing your insured amount or cover structure to help make it more manageable while still keeping essential protection in place.

Before cancelling, it’s worth speaking to us so we can consider your options and help you make an informed decision. You can call us on 0800 333 111.

An excess is the amount you pay when you claim before your insurer pays the rest. It helps keep premiums more affordable and ensures your cover is used for bigger, unexpected losses rather than smaller everyday costs.

Your excess amount may vary depending on the type of claim and your cover details, and it can change if your policy is updated or reviewed.

You’ll always be able to see the applicable excess in your policy schedule.

Temporary accommodation may be covered if your home becomes uninhabitable due to an insured event, such as a fire or major damage.

This benefit is designed to support your basic living needs while your home is being repaired.

Cover is limited to a portion of your insured amount, provided for the reasonable time needed to restore your home, and based on accommodation that is practical and in line with your usual standard of living.

The benefit will end once your home is ready to live in again, or when the cover limits are reached.

The time it takes to process a policy update depends on the type of change requested.

Some updates, such as contact details or a change of address, may be actioned promptly once we’ve received the correct information, while others may need review before they can be confirmed.

Once your change has been processed, we’ll let you know if it affects your premium, cover or policy terms.

To request help or an update, call 0800 333 111 or email clientservices@nedbankinsurance.co.za.

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Your policy is reviewed each year and will renew automatically unless you ask us to cancel it.

Before renewal, you’ll receive a notice with your updated details, including your premium, cover and any changes.

This gives you time to check that everything still suits your needs. If anything has changed in your home or household, let us know before your policy renews.

Your circumstances and the value of your belongings can change over time.

Reviewing your cover each year helps make sure your insured amount is still enough to replace your belongings, your cover and benefits still meet your needs, and you understand any updates made to your policy.

A quick review can help you avoid shortfalls at claim stage, especially if your contents are underinsured.

Yes. Before your policy renews, you can ask us to review or update your cover, whether you want to adjust your insured amount or explore more affordable options.

If anything in your renewal notice isn’t clear, you can reach out to us on 0800 333 111 for help. We’ll talk you through it so you can make informed decisions with confidence.

Before your policy renews, check that your insured amount still reflects the replacement value of your belongings, that your cover still suits your current needs, and that you understand any changes to your premium, excess or policy terms.

This is also a good time to review whether anything in your household has changed, such as moving home or buying new items.

A quick review can help you avoid gaps in cover or underinsurance.

If you’re unsure whether your cover is still enough, contact us before renewal so we can help you review your options.

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You can cancel your policy at any time by contacting us, whether by phone, email, or in writing.

You don’t need to follow a complicated process. Once you tell us, we’ll confirm your cancellation and the date your cover ends.

Let us know ahead of time when you’d like your cover to end, so you stay in control of your protection.

Before cancelling, consider whether you still need protection for your belongings or whether adjusting your cover may be a better option.

Once we receive your cancellation request, we’ll confirm the cancellation and the date your cover will end.

If a refund is due, it will be processed in line with your policy terms. After cancellation, your policy benefits and cover will stop from the confirmed date, so it’s important to make sure you’re comfortable with when your protection ends.

Cancellation is processed in line with your policy terms and billing cycle.

The date your cover ends will depend on when you ask us to cancel, whether your policy is monthly or annual, and whether any claim has been paid.

When you contact us, we’ll confirm your cancellation date so you know exactly when your cover will stop.

If you cancel your policy and no claim has been made for that period, you may receive a refund of the unused portion of your premium.

However, if a claim has been paid, there will be no refund for the remaining period of cover for that item or event.

Before cancelling, check how your claims history may affect any refund due.

If we have already paid your claim, your policy will still be cancelled as requested, but no premium refund will apply for that insured period.

For monthly policies, cancellation is aligned to the new month after the claim. For annual policies, cancellation usually applies from the day after the insured event.

If you’re unsure, contact us and we can explain how your claim affects your cover and timing.

Yes. Your policy runs either monthly or annually and you can cancel it at any point.

We’ll apply the cancellation in line with your payment cycle and policy terms.

Check your billing cycle before you cancel your policy so you know exactly when your cover will stop.

If your premiums are not paid, your cover will stop after your last successful payment. In practice, cancellation may be processed from the first unpaid premium.

Always let us know if you intend to cancel your policy. This will avoid confusion and ensure your cover ends correctly.

When you receive your policy documents, you’ll have 14 days to cancel your policy and receive a full refund, as long as you have not made a claim during this time.

Use this time to review your cover carefully and ask any questions before you decide. This is your opportunity to make sure the cover, insured amount, premium and excess are right for you.

Yes. If needed, we may cancel your policy or a section of it by giving you 31 days’ written notice, as set out in your policy terms.

Keep your contact details up to date so you don’t miss important policy communications.

Yes, you can apply for cover again.

However, a new application and underwriting assessment may apply, including updated risk details and pricing.

If your needs change, it’s best to act quickly so you don’t have a gap in cover.

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FAQs

House Contents FAQs

What is house contents cover and why do I need it?

What does house contents insurance cover?

What insured events am I covered for?

What is not covered under house contents insurance?

How much should I insure my contents for?

What happens if my contents are underinsured?

Does house contents cover apply if I rent or own a home in a complex or estate?

How is house contents cover different from building cover?

Does house contents cover include power surge or electrical damage?

What should I check in my policy when I take out cover?

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What support do I get immediately after an insured incident?

What should I do when I change homes?

Will my house contents premium change?

What can I do if my premium becomes unaffordable?

What is an excess, how does it work, and can it change?