1st For Women Home Contents Insurance Review 2022

Home Contents are valuable and need to be protected so that we won’t have to find ourselves shopping for the same items in case they get stolen and/or damaged. If you will have to replace your home contents from your pockets every time they get stolen/damaged your pockets will soon get dried up. It is rather better to have home contents insurance that protects your home valuables against theft, loss, and accidental damage. 

1st for women offers home contents insurance that is unique in South Africa. The insurance product is unique in the sense that it prioritizes the needs of women on home contents insurances. Thus women get to pay lower premiums than men on the same items insured. 

The home contents insurance is tailor-made for women and includes handbag insurance. This is an insurance cover that was started by 1st for women to ensure that women get the cover that they need. 

The home contents insurance comes with free benefits that you can use at any time. Benefits are activated as soon as your policy is activated. You also get access to guardian angel lifestyle benefits. Guardian angel lifestyle benefits are there to assist you during times of emergency. 

You can get the 1st for women’s home contents insurance by requesting a call back on the 1st for women website. To make things fast, you can request a quote and accept it if you think the premium charged is reasonable. 

1st for Women Home Contents Insurance 

The 1st for women home contents insurance is specifically made to benefit women. This home contents insurance is the only home contents insurance that puts women first. Not only women can subscribe to this product, but also men can get this product.

You will be covered for your home valuables depending on the cover that you choose. There are three covers to choose from. Covers include handbag cover, comprehensive home contents cover, and fire and Storm Only Home Contents Insurance. The covers available from the insurance provider are explained below in detail. 

Comprehensive home contents insurance 

1st for Women comprehensive home contents insurance covers a wide range of household valuables. The cover is there to protect you against any loss that you may suffer over your home contents. Home Contents include your home assets and garden furniture. 

You are covered against acts of nature. These natural occurrences happen every now and then and in some cases may damage your home valuables. The comprehensive cover will insure you against fires, storms, floods, lightning, explosions, falling trees, and earthquakes. 

Theft is also covered on comprehensive home contents insurance. You are covered for assets that you have at home against theft. Should there be a break-in and your belongings get stolen, your belongings will be replaced after a successful claim. The cover also repairs any locks and keys that are damaged during a break-in. 

To be indemnified, you need to always lock and switch the alarm system whenever you leave your home. Failure to do so may result in an unsuccessful claim. Not only are your personal belongings covered for theft but also that of family members, guests, and domestic worker(s). 

You are also covered for loss or damage of your home contents under this cover. The cover includes any loss or damage caused by an aircraft or objects falling from them, animals damaging your valuables, vehicles, and burst pipes that damage your home valuables. 

Loss and damages that are caused by load shedding are also covered. Therefore, if the food in your refrigerator deteriorates due to load shedding, that food will be replaced. Your pets are also covered under comprehensive home contents insurance. Pets are covered against injury caused by road accidents. 

Fire and Storm Only Home Contents Cover

1st for Women Fire and Storm Only Home Contents cover is an insurance cover that only covers your home valuables against fire and storm. The cover is there to ensure that your valuables are replaced should they get damaged or lost because of natural disasters and acts of nature. 

Fire and Storm Only Home Contents Insurance doesn’t have as many advantages as the comprehensive cover since it covers only two occurrences. The cover is way cheaper than the comprehensive cover. This cover is suitable for those that live in a hazardous environment or who have a home contents cover that doesn’t cover either fires or storms or both. 

Handbag Cover

Handbag cover is a complimentary cover for home contents insurance policyholders. The cover is specifically designed to benefit women.  Quotes for the fire and storm only and comprehensive home contents cover come with this cover. Therefore, the cover is provided for free when you activate your home contents insurance. 

You are covered for R5,500.00 for your handbag on this cover and this includes all the valuables that are inside your bag. You are covered against incidents such as theft, loss, and damage to your handbag and all the valuables that are inside. Your handbag will be replaced if stolen or damaged but the replacement won’t be more than R5,500.00 worth. 


The home contents insurance policy is a good policy to have for women. The policy doesn’t benefit men as much as it benefits women when compared to home contents insurance from other insurers. With other insurers, such as the Budget Home Contents insurance, men tend to benefit the same or more in terms of insurance value. 

With 1st for women, women and men get the same benefits that include cashback benefits and guardian angel lifestyle benefits. However, women are given an advantage since they get a handbag cover that comes for free. 

It is important to understand what you are getting yourself into when getting home contents insurance cover. We advise that you speak to an advisor and ask them what you are and what you are not indemnified for in the cover before signing up. This will help you have knowledge of what to do or what not to do with your home contents.

1st For Women Home Contents Insurance Review 2022

Lethabo Ntsoane

Lethabo Ntsoane holds a Bachelors Degree in Accounting from the University of South Africa. He is a Financial Product commentator at Rateweb. He is an expect financial product analyst with years of experience in reviewing products and offering commentary. Lethabo majors in financial news, reviews and financial tips. He can be contacted at [email protected]

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