Personal insurance
Everything inside, protected.
From the TV to the last teaspoon — cover for your belongings against theft, fire and load-shedding power surges.
- Theft & burglary
- Fire & disasters
- Appliances & electronics
Household contents insurance covers everything inside your home that you'd take with you if you moved — furniture, appliances, electronics, clothing and belongings — against theft, fire, and damage. After a break-in or disaster, it's the difference between replacing everything yourself and simply claiming.
Ample tailors contents cover to the real value of what you own, with options for power-surge protection and accidental damage, across South Africa's leading insurers.
What Household Contents covers
Theft & burglary
Replacement of items stolen in a break-in — usually requiring visible forced entry.
Fire & disasters
Cover for contents damaged by fire, smoke, storms, flooding and explosions.
Appliances & electronics
TVs, fridges, washing machines, computers and the gadgets that run your home.
Power surge
Damage to electronics from power surges — a frequent claim during load-shedding.
Accidental damage
Optional cover for spills, drops and breakages around the home.
Food spoilage
Optional cover for freezer contents lost during extended power outages.
Who household contents is for
- Homeowners and tenants alike
- Anyone renting who wants to protect their belongings
- Families with valuable appliances and electronics
- Households affected by load-shedding power surges
Household Contents FAQs
Do renters need household contents insurance?
Absolutely. Your landlord's buildings insurance covers the structure, not your belongings. If there's a fire or break-in, only contents insurance replaces your furniture, electronics and personal items.
Does contents cover protect against power-surge damage?
Yes, contents policies typically cover power-surge damage to electronics — one of the most common claims during load-shedding. We can confirm the limits on your specific policy.
How do I know how much contents cover I need?
Add up what it would cost to replace everything in your home at today's prices, room by room. Under-insuring can reduce your claim, so we help you get the sum insured right.
Is theft covered without forced entry?
Standard theft cover usually requires signs of forced or violent entry. Cover for theft without forced entry can sometimes be added — we'll check what your insurer offers.
This page is general information, not financial advice. Cover varies by policy and provider — your dedicated Ample broker tailors it to your needs.
Related personal cover
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- Call us0861 112 466
- Email usinfo@ampleinsurance.co.za
- Office hoursMon–Fri, 08:00–16:30