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From appliances and furniture to personal valuables – Capivest protects the things that make your house a home.
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Household content cover
Protect everything inside your home
At Capivest Financial Services, we understand that the value of your household extends beyond bricks and mortar. Our Household Contents Insurance ensures your belongings are covered against loss, theft, or damage, both inside and—under certain conditions—even outside your home.
What’s Covered
- Household contents (e.g. furniture, appliances, electronics, clothing)
- Personal items (including home office or home-industry equipment)
- Fixtures and fittings if you’re a tenant, not the property owner
Insured Events (Standard Cover)
- Fire, lightning, and explosion
- Storm, wind, hail, water, or snow (with some exclusions such as wear and tear)
- Earthquake
- Bursting of pipes and water systems
- Impact (from vehicles, animals, falling trees, aircraft, etc.)
Understanding Underinsurance
Insured value must reflect the full replacement cost of your belongings. If not, your payout may be reduced. Example:
If your contents are worth R1,000,000 but you’re insured for only R500,000, and you claim R100,000, the insurer will only pay R50,000 — because you’re underinsured by 50%.