OUTsurance home contents insurance is a policy that protects your home’s valuables. If you remain claim-free after 2 years, OUTsurance home contents insurance will refund 10% of your premiums. Following that, if you do not file a claim within the next 12 months, you will receive 10% of your paid premiums.
The OUTsurance home contents insurance guarantees that the premiums will remain constant for a period of 12 months. Premiums are guaranteed to remain constant for a period of 12 months, even if the policyholder makes a claim during that time.
The OUTsurance home contents insurance includes free access to a 24-hour home assistance service. When replacing or repairing home contents on a claim, OUTsurance works with approved partners to provide expedient services.
The OUTsurance home contents insurance provides a cover that can be optimised according to one’s insurance needs. We discuss the OUTsurance home contents insurance in greater detail below.
OUTsurance Home Contents Insurance covers personal belongings at one’s registered address. The contents that can be insured under the policy must be owned by the policy owner or a member of the policy owner’s household.
You have a responsibility as a policy owner to communicate with OUTsurance. Communication can take place for a variety of reasons, including:
It is your responsibility as the policy owner to keep your OUTsurance policy’s cover amount up to date. This is required because personal possessions can appreciate or depreciate in value, and personal possessions can be sold or replaced.
OUTsurance Home Contents Insurance covers any loss or damage caused by fire, explosions, or earthquakes. This includes damage caused by natural shifts in land movement.
Natural disasters such as a storm, hail, flood, thunder, lightning, or snow are all covered. OUTsurance will pay to repair or replace home contents that have been damaged by natural disasters.
Water heating systems, water supply tanks, cisterns, and pressurized water pipes that are permanently attached to the structure are covered for loss or damage caused by bursting or overflowing. Your Home Contents will be replaced or repaired if they are lost or damaged as a result of these incidents.
Accidental damage to home contents is covered if the policy owner or household members did not intentionally damage the home contents. Accidental breakage can occur with TV sets, mirrors, or glass that is a part of any furniture.
If the policyholder’s house burns down, OUTsurance will cover the fire department’s fees and costs. Temporary housing will be provided if the home is rendered unliveable as a result of any covered incident. You will also be reimbursed for any lost rent if the building is rented or sublet.
OUTsurance provides cover for personal liability. Personal liability cover is provided to the extent that:
OUTsurance will cover the legal costs when someone makes a claim against you in the event of a coverable occurrence causing injury or death.
You can have additional covers on your home contents policy at an additional premium. The following can be added to your policy.
The OUTsurance home contents insurance provides comprehensive coverage that anyone can use. Women can supplement their insurance coverage with additional benefits that cover items such as handbags. However, the insurance products have their own limitations and do not cover certain occurrences. Nonetheless, in terms of product offering and the list of occurrences covered, the product is one of the best in South Africa.
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