Everything you need to know about household insurance
Preventing your home from becoming an empty shell is everyone’s priority. What makes your house a home is all the precious memories you have made while living there. Household insurance can protect these memories from being lost.
Take some time out of your busy schedule to understand the options available to you. This will ensure you are adequately covered for those unforeseen circumstances that arise.
As much as we would like to believe that certain things won’t happen to me, it is out of your control.

What is in your control is taking the responsibility to get the right insurance policy to cover you when the time comes to light.
You may be wondering what exactly household insurance is? Well, it can be broken up into three subdivisions of insurance. These insurances ensure that your belongings are always covered:
- Content Insurance
- Buildings insurance
- Personal All Risk Insurance
Understanding these different concepts can become quite confusing. Especially with all the different insurance jargon found in each of the policies. These different types will ensure you can rebuild your exterior property while replacing the interior contents in a worst-case scenario.
Content Insurance
Taking the correct procedures to protect your content might not be enough. Having a security gate in place or high walls to keep unwanted guests out, doesn’t always work. The only way to have peace of mind for your movable content is by having household content insurance.
Getting content insurance isn’t as tricky as one might think. The easiest way is to speak to your insurance broker who will explain the process from beginning to end. There will be some work required in order to get the right amount of cover (sum insured) for your house content.
Start by putting a replacement value on all your belongings. Make sure this value is as close to the price you would have to pay to replace the loss of the damaged item.
With the contents of your home insured, what about the property itself? Wait, you didn’t know that you could get cover for the physical property? Well, you can.
Building Insurance
The second subclass is buildings insurance, which protects the structure, fixtures and fittings of your property. If there are any damages to the structure of your home, this is the insurance policy you need.
Damages could happen from an arrangement of occurrences, ones that you don’t want to be on the receiving end of. By having the right cover, you have nothing to worry about:
- Fire
- Storms
- Lighting
- Impact by vehicles or trees
- Vandalism
- Explosions
Although these are some examples, many others could cause damage to your property. For this specific insurance, it is beneficial to get a list from the broker on what is covered.
Depending on the insurance provider, there can be an inclusion of property not attached to the primary residence. An example of an extension property could be a garage.
Personal All Risk Insurance
The third and final subclass is personal all-risk insurance. This division deals with any personal items which you would usually carry or wear outside of your home.
These items can range from a variety of belongings:
- iPad
- Tablets
- Jewelry
- Clothing
- Handbags
This specific policy contains two categories. Although they might be very similar, they are slightly different but still provide efficient cover:
- Specified
- Unspecified
The first category, “specified items,” is one that covers listed items that you want specific protection for. These items could be a cell phone or a unique pair of expensive sunglasses that you can’t afford to lose. Please speak to your insurance broker to obtain a detailed list of items which you need to specify.
The second category, “unspecified items,” are items that you use on a day to day basis. Things which will be a nuisance to replace, but it would not be the end of the world. For example, all the items in your handbag or backpack can be insured for a certain amount of your choosing.
It is imperative to make sure you read your insurance policy. Thus, knowing precisely what you are covered for. Every insurer will have an exclusion list, which you should be aware of. You must read the fine print of your policy.
Knowing the claiming process as well will reduce any denial chances of a claim you submit. With the Rodel 4U app, claims have been made simple.
Once your household insurance is in place, it is time to make sure you have the right car insurance for your specific needs. Speaking to Rodel 4U could make sure you have the right cover for your lifestyle. Potentially reducing your monthly premiums.