Provides cover for the Household Goods against various occurrences as defined:
The contents of your home are covered against :
- Fire, Lightning, Explosion
- Theft
- Storm, Flood, Wind, Rain, Hail or Snow
- Earthquake
- Bursting, leaking or overflowing of water apparatus, pipes or fixed oil-fired heating apparatus
- Damages caused by impact to your home.
The contents are covered for their current replacement cost providing the sum insured represents the total value of all contents at current replacement values.
No Claim Bonus (Claim Free Group)
For every year that you do not claim you will be entitled to a No Claim Bonus that provides you with a reduced monthly or annual premium. Allsure makes provision for Claim Free Groups 1 – 10 years.
Automatic Extensions of Cover
There are automatic extensions of cover and they are :
- Audio Visual Equipment and Glass
- Guest’s Personal Effects
- Domestic Staff’s Property
- Refrigerator and Deep Freeze Contents
- Keys and Locks
- Personal Documents
- Medical and Veterinary Expenses
- Accidental Death Cover
– Persons over 18
– Persons under 18 - Rent
- Security Guards
- Domestic Telephone Instruments
- Trauma Cover
- Loss of Water by Leakage
- Clearance Costs
- Transit Cover for Household Goods
- Damage to Garden
- Personal Liability(Occupants Risk)
Optional Cover
- Accidental Damage to Household Goods: Options of cover: R10 000, R25 000, R50 000 and R100 000.
The above options are provided at a minimal additional premium. - Fire & Perils option
This option allows you to exclude all theft cover and certain extensions.
This cover may be chosen if you believe that your theft risk is minimal and it brings about a reduction in premium. Mutual & Federal however would always recommend you take full cover due to the uncertainties of life and the experience built up over the years of providing for the needs of our clients.
First Amount Payable
- Basic First Amount Payable: R250
- Reduce your premium by selecting a Flat First Amount Payable of up to R25 000.
Other Compulsory First Amounts Payable will be indicated on the policy schedule.