Householders Insurance

If you have house contents insurance, you enjoy full cover for contents inside and limited cover for contents outside your building, the personal effects of guests and domestic employees, money, contents of refrigerators and freezers, mirrors and certain glass, storage costs for contents after damage, rent, fire brigade charges, medical expenses not otherwise covered, compensation for your or your spouses death, trauma treatment, veterinary expenses and guards to safeguard your home after the occurrence of an insured peril. Please refer to your policy wording for the details.
There are also a couple of optional covers to choose from. If, for example, a mongoose 'perfumes' your furniture, the basic cover in terms of the Household Content section does not provide cover in this case. If you have taken out the accidental damage extension, you would have been able to claim and this claim will not affect your no-claim bonus. Stock-in-trade is another optional cover, as is subsidence and landslip. If a pipe bursts beneath your house and it causes your building to collapse, the subsidence and landslip extension will provide cover.
For your household content, you can either draw up an inventory yourself or use Santam's inventory (English/Afrikaans) form. You can also employ the services of a professional company specialising in the valuation of house contents.
Source : Santam