Easy to buy. Easy to change. Easy to claim.
From only R48pm.
Authorised FSP 48822
It covers theft, fire, storms, water damage and the legal stuff. All in one policy.
Theft cover pays out for the things stolen from your home, plus any damage caused on the way in.
Natural disaster cover protects your contents against storms, hail, lightning, floods and wind damage.
Fire cover has your belongings sorted for damage from fire, smoke and explosions, wherever they start.
Water damage cover steps in when a leaking pipe or overflowing appliance soaks your stuff.
Personal liability cover pays the legal bills and damages if someone holds you responsible.
24/7 emergency assistance for plumbers, electricians and locksmiths on 0860 995 125.
Phones, laptops, cameras, jewellery, bikes and more. Insured anywhere in South Africa. Specify them in the app for all risk cover, including accidental damage and loss.
Just need one thing covered? Check out single item insurance instead.
Don't just take our word for it. See what Naked customers have to say.
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Naked gives you affordable cover and full control of your policy, all in the app.
Rose, our quote bot, asks a few simple questions and gives you a final price in about 90 seconds. If you like it, you can buy cover on the spot, all in the app, day or night.
Submit your claim in the app and we'll tell you exactly what we need, step by step. Some claims can be approved instantly and our support team is there if you need a hand.
Burst pipe at midnight? Locked out on a Sunday? Our 24/7 emergency line connects you with a vetted pro.
Call 0860 995 125 any time.
If you still want to know more, dive into the Ultimate South African Home Contents Insurance Guide.
The big ones: theft, fire, storm damage, water damage from burst pipes and geysers, and personal liability if someone sues you. All the furniture, appliances, electronics and clothes inside your home are covered. Portable items you've specified are covered when you leave the house too.
You’ll want enough cover to replace everything you own at today’s prices. A good way to work it out is to go room by room and add up what it would cost to replace your furniture, appliances, electronics, clothes and other belongings with new ones. It’s important to get the total as close as you can. If you insure your contents for less than their full replacement value, your claim payout may be reduced too.
Yes. However, if a portable item like a phone or laptop is worth more than R5,000, you’ll need to specify it in the app to have its full value covered. Once specified, it’s covered anywhere in South Africa, whether it’s at home or out and about, including for accidental damage and loss.
It covers the things you own inside your home, like your furniture, appliances, clothes and electronics. If they’re stolen, damaged or destroyed by something that’s covered by your policy, your insurance helps pay to repair or replace them. Buildings insurance is different. That covers the structure of your home itself.
Buildings insurance covers the fixed parts of your home, like the walls, roof, geyser and built-in cupboards. Contents insurance covers the things you own inside it, like your furniture, appliances, clothes and electronics.
They’re really just two names for the same thing. In South Africa, both “household insurance” and “home contents insurance” usually mean cover for the movable things inside your home, like your furniture, appliances, clothes and electronics. Buildings insurance is different. That covers the actual structure of your home.
It depends on things like where you live, how much you want to cover and your claims history. Homes in higher-risk areas may cost more to insure, and a higher sum insured will usually mean a higher premium. The best way to know what you’ll pay is to get a quote, which takes about 90 seconds in the app.
Yes. If you rent, your landlord's insurance covers the building, but not the things you own inside it. Home contents insurance protects your belongings if they’re stolen or damaged by things like fire, a break-in or water damage.
Yes. If a burst geyser damages things like your couch, carpets or electronics, your contents insurance can cover that damage. The geyser itself is part of the building, so that would usually be covered by buildings insurance instead.
Building insurance covers the structure itself: walls, roof, geyser, built-in cupboards. Cover both your contents and building in one go and manage them side by side.
Insure my home contents and building
