Home Contents Insurance

Protecting the Things That Make Your House a Home

Your home is filled with more than just furniture—it holds personal treasures, curated collections, fine art, electronics, luxury décor, and sentimental valuables. Home contents insurance protects the lifestyle you’ve built by covering these possessions against unforeseen events.

At Salus Risk, we provide bespoke cover tailored to the high value of your personal belongings—because your lifestyle deserves nothing less than comprehensive protection.

What Is Home Contents Insurance?

Home contents insurance covers movable possessions inside your home against risks such as:

Fire & explosion
Theft & burglary
Storm, lightning & flood damage
Vandalism & malicious damage
Power surge or water damage
Accidental damage (optional)

This includes:

✅ Furniture and appliances

✅ Electronics and smart home tech

✅ Clothing, jewellery, and accessories

✅ Fine art, wine collections, musical instruments

✅ Kitchenware, décor, and more

Why You Need It

High-Value Possessions Deserve High-Level Cover

Generic policies often fall short in protecting luxury or collectible items.

Theft & Fire Risks Are Real

Even secure homes face threats—from break-ins to electrical fires.

Rebuilding Your Lifestyle Is Costly

Without proper cover, replacing luxury items could mean significant out-of-pocket expenses.

Protection Beyond the Home

Pair with All Risk Insurance for portable valuables like jewellery, laptops, or designer handbags taken outside the home.

Key Benefits of Our Cover

Tailored Sum Insured

We conduct or assist with accurate valuations to avoid underinsurance.

Specialist Item Cover

Includes individual cover for art, antiques, collectibles, and heirlooms.

Forceful Entry or Damage Cover

Covers damages from attempted theft—even if nothing is stolen.

Luxury Service, Personalised Claims

Your claims are handled with the urgency and discretion high-net-worth clients expect.

Contact us for Home Contents Insurance tailored to your specific needs

Why Choose Salus Risk?

We are an independent broker, able to source policies from South Africa’s top-tier insurers, giving you the most appropriate and cost-effective solutions. Our expert advisors understand how to insure the lifestyle you’ve built—with no compromise on quality or detail.
Your lifestyle. Your legacy. Properly protected.