Household Insurance
Household insurance protects your home and belongings from financial loss due to fire, theft, or natural disasters. Coverage includes your building structure, contents and additional living expenses if your home becomes uninhabitable.
Make sure your household insurance covers what your belongings and buildings are actually worth today.
Contents Insurance
Protects your personal belongings and household items against theft, fire, and other covered damages. Coverage applies to everything you would take with you if you moved – furniture, appliances, electronics, clothing, and personal items – at full replacement value.
This coverage includes:
All belongings inside your home and outbuildings
Furniture, appliances, and electronic equipment
Clothing, linen, and personal items
Jewelry, tools, and valuable possessions
Full replacement cost – new items for old
Calculating Your Coverage Needs:
List all belongings in your home and outbuildings, then calculate replacement costs at today’s prices. Re-evaluate your contents value annually to prevent under-insurance and ensure adequate coverage.
Security Requirements:
Most insurers require minimum security measures for burglary cover, including security gates and burglar bars, or a 24-hour linked alarm with response service. You must comply with these requirements to maintain coverage.
Important Add-Ons:
Ensure your policy includes accidental breakage and power surge coverage for appliances, as this protection is not always automatically included in standard contents insurance.
Additional benefits at no extra cost:
Medical expenses for guests and domestic employees
Trauma counseling costs after theft, burglary, or fire
Security guard expenses following an incident
Accidental Damage Cover and Power Surge Cover:
You have the option to extend your policy to cover accidental damage to a wide range of contents in your home, at an additional premium
Building Insurance
Protects the physical structure of your home and permanent fixtures against fire, storms, and other covered damages. You have the legal right to choose your own building insurance provider, regardless of mortgage requirements.
This coverage includes:
Main house structure and foundations
Permanent fixtures like built-in appliances and carpets
Outbuildings, garages, and storage structures
Professional fees for rebuilding and site preparation
Demolition and debris removal costs
Proper Coverage Calculation:
Building insurance should cover full rebuilding costs, not market value. This includes the total square footage multiplied by current local rebuilding costs per square meter, plus 10-15% for professional fees, demolition, and site preparation.
Optional Extensions:
Accidental damage cover for fixed machinery
Swimming pool and spa equipment protection
Automated garage door coverage
Emergency accommodation if your home becomes uninhabitable
Security company costs to protect your property after damage
Important Note:
Regular maintenance is your responsibility. The policy does not cover deterioration that could have been prevented through proper upkeep.
Our Approach
Many homeowners discover too late that their insurance won’t cover the full cost of rebuilding their home or replacing their belongings at today’s prices.
At Jacobs Financial Services, we ensure your household insurance reflects the true replacement value of your property and contents. This gives you confidence that you can rebuild and replace everything without financial hardship.
Our Product Providers
“Brilliant broker company that will work tirelessly at finding you the best possible insurance for car and home. I highly recommend them to find you the best possible solution.”
Barend Buys, Google Review
Give Your Family the Gift of Financial Security
Contact us today to determine the exact coverage that secures their future and gives you complete peace of mind.