We’re top-rated for contents insurance because we keep it fast and simple. Hear it straight from our customers.
If there’s a brazen break-in and your stuff gets stolen, you’re protected.
From thunderous storms to unexpected floods, we’re there to cover your stuff.
If things get too hot to handle because of fire, we’ve got your back.
We’ll clean up the mess that comes from leaky pipes and burst geysers.
Cover for if your dog bites someone, or someone trips in your home and sues you.
Answer a few easy questions from Rose and she’ll give you a final quote on the spot. No phone calls. No fuss.
Choose your excess and the date you want your policy to start. If you have any portable items worth more than R5,000, specify them on the app.
Once you’re happy with the price, enter your card details and get insured on the spot. If you choose a future start date, you’ll only start paying then.
Answer a few easy questions from Rose and she’ll give you a final quote on the spot. No phone calls. No fuss.
Choose your excess and the date you want your policy to start. If you have any portable items worth more than R5,000, specify them on the app.
Once you’re happy with the price, enter your card details and get insured on the spot. If you choose a future start date, you’ll only start paying then.
With our slick tech and super supportive crew, claiming is quick, easy, and totally stress-free.
Need a plumber, locksmith or electrician? Our emergency support team is on standby to help you out.
The cost of home contents insurance varies depending on a few factors, like where you live, how much stuff you've got, and the level of cover you choose. Think of it like shopping for a custom suit; the price changes based on the material (your belongings), the size (your coverage), and any extra embellishments (added coverages).
Ideally, your home contents insurance should cover the total cost of replacing all your belongings as if they were new. It's not about how much you paid for them, but what it would cost to buy everything brand new today. This includes everything from your sofa and clothes to your gadgets and kitchenware. Doing a room-by-room inventory can help you nail down a figure that doesn't leave you short-changed if you ever need to claim.
Home contents insurance covers all the personal belongings in your home against theft, loss, and damage. This includes furniture, electronics, clothing, and even some personal items you might carry outside, like your sunglasses or laptop. Cover also extends to events like fire, theft, vandalism, and natural disasters. It’s best to read the policy wording to understand what’s covered and what’s not.
It can be worth it if the cost of replacing your items out-of-pocket is more than the excess you'd pay to make a claim. Say your TV gets nicked, and it's going to cost a lot more to replace it than the excess you chose, then, yes, claiming makes sense. But if the cost is about the same, it might be worth thinking twice.
With Naked, your TV is covered for risks like theft, fire, or a power surge. However, for accidental damage coverage, such as your TV being knocked over, it must be specified under items valued over R5,000 in your policy. Please note that wear and tear are not covered. It's important to check out the policy wording to fully understand what’s covered.
Yes, contents insurance often covers damage to your belongings caused by leaks, like a burst pipe ruining your fancy rug. However, the source of the leak itself might fall under buildings insurance. It's important to have both coverages to fully protect your home and belongings.
Generally, yes. Household insurance usually covers appliances against risks like fire, theft, and accidental damage, depending on your policy. So, if your fridge decides to stop chilling or your washing machine goes on the fritz because of a covered event, you should be able to claim.
Yes, Naked's home contents insurance can cover your mobile phone for accidental damage, theft, or loss, both at home and when you're out and about. However, for your phone to be fully covered, especially for accidental damage and for its full value outside your home, it needs to be specified under easily portable items in your policy.
With our home contents insurance, your specified items have comprehensive coverage for their full specified value during the moving process.
All your other items will be covered up to 20% of your contents sum insured if they are damaged due to a car accident involving the moving truck or fire, explosion, or lightning while they are being relocated.
Yes, rest easy knowing cover extends to water damage from geysers, tanks, or pipes. We're all about protecting your belongings from unexpected mishaps.
P.S. The actual geyser isn’t covered as it’s a permanent fixture, which is covered by your building insurance.
Here’s a handy blog on who is responsible for what when it comes to renting a place.