Since you have spent a considerable amount to make your house a home, insuring your contents should not be overlooked.

If you don’t have reliable insurance, the cost of replacing everything you’ve lost could be astronomical. Get peace of mind with a home contents insurance policy, which will cover the contents of your home against theft, fire, lightning, vandalism, natural disaters, water system failures and impact by vehicles, falling trees or objects from above.

Determining the exact value of your household contents can be quite daunting. It is important that you give an accurate estimate and that you are not underinsured. The best way to go about establishing the value of your contents, is by going through your home room by room. Make a list of the contents of each room and find out how much it would cost to replace each item at today’s prices – which is not the same as the price at which you bought the items. Remember to include items such as curtains, carpets and the contents your freezer. Add everything together to determine your total replacement value.

You should contact your insurer immediately if you need to make a claim. Take photographs and hang onto anything you can that’s damaged as you may need it as evidence. The insurer may want to send around an assessor to determine the extent of the damage. Don’t arrange for any repairs to take place or replace anything until you have spoken to your insurer – it may have certain tradespeople it uses, or may require you to supply three quotes before you can proceed.

It is easy to underestimate the value of your home’s contents. Sadly, this can be an expensive oversight should something ever go wrong. Speak to an Indwe advisor to guide you through the process of accurately establishing the value of your household content and find a suitable insurance package for you to give you peace of mind.