The Average clause is applicable on all claims section for e.g. House Contents and House buildings etc. Let us assume you are insured for R500 000.00, but the replacement value of your property is R 1 000 000.00. This means you are only insured for half of the replacement value. You must cover the other half, for example, if you suffer damage to the value of R100 000.00, the insurer will only pay half of this amount which is R50 000.00. Please ensure that the insured amount for your household contents, buildings etc is always sufficient.