Relax, your household contents will be properly covered
At OUTsurance, your contents insurance package will cover damage to your household contents caused by theft, acts of nature (such as lightning, storm, flood or snow) as well as damage caused by fire, power surges and subsidence.
It also takes care of personal liability which covers you if your domestic worker gets injured while on duty or where you may be held responsible for causing death or injury to someone else or damage to their property.
If you want to insure the structure of your building or any permanent fixtures or fittings, read more about our buildings insurance product.
Don't forget to add our OUT-and-About product where you'll receive cover for items you take or use outside your house.
Awesome household contents insurance benefits - this is what you'll get out
- Your household content insurance excess remains fixed, regardless of the value of your claim.
- Enjoy peace-of-mind, knowing that your household contents insurance premium is guaranteed for 12 months.
- We know how much you would miss your valuable items in the event of a loss, therefore our claims team will process your claim faster than what you'd ever expect.
- Receive free Help@OUT emergency home assistance - 24 hours a day, 7 days a week.
- Receive a cash OUTbonus after three consecutive years of not claiming. We've already paid out more than R800 million in OUTbonuses to date.
- You have access to an approved list of service providers.
- An automatic inflation-linked adjustment is made annually to the value of your contents to ensure that your contents won't be under-insured.
Don't forget your free bonus benefits
We wanted to make sure that you're compensated if any of the following should happen to you:
- Theft of money, personal documents, garden furniture, personal possessions of guests, groceries from your vehicle or theft of your domestic employee's contents from your home.
- Groceries spoiling in a fridge or freezer as result of a power failure out of your control.
- Fraudulent use of credit cards, cash cards or account cards - we'll cover the first R2 500.
- Hole in one or full house for the golf and bowling enthusiasts.
- Injury to your pet (this includes veterinary costs as a result of a car accident).
- Compensation (up to R5 000) for the death of your spouse caused by fire or theft at your home.
- Loss or damage to locks, keys and remote controls of your home.
Documents | Frequently Asked Questions
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Add that little something extra...
Why not add one or more of our great optional products to your contents insurance cover?
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- Extended theft insurance for unoccupied buildings
If you have a holiday home, or if your home is unoccupied for 60 or more consecutive days, this option is perfect to cover all your household items against theft.
- Garden and leisure equipment insurance
This provides cover for items that are permanently kept outside such as pool cleaning equipment, jungle gyms or patio sets.
- Cover for goods used for business purposes
Our standard cover provides cover for items that are used for private purposes. However, this optional cover provides the perfect solution for insuring items (such as fax machines, PCs or printers) that you're using for your business.
- Insurance against theft of contents being transported
Our standard contents cover already provides cover for your contents when you move house and when the vehicle transporting the goods is involved in a car accident. However, this optional cover ensures that your contents are also covered in case of theft during the move to your new home.
- Extended liability cover
You can extend your current liability limit to as much as R20 million.
- Veldfires liability cover
Receive cover in case of damage to your contents or bodily harm caused by the spreading of veldfires.
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