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Your home is your haven, a place to feel safe, unwind, and make memories. But life is unpredictable, and your property faces daily risks that can have serious financial consequences if not properly insured. With Santam’s homeowners insurance, you get comprehensive protection against unexpected events like fire, explosion, flood, lightning, burglary, and theft. Our building insurance covers the structure of your home, as well as fixed fittings and improvements, so you and your family can feel secure, no matter what comes your way.
24/7 emergency assistance, when you need it most
Whether it’s a burst geyser, late-night plumbing issue, or urgent legal advice, help is always just a call away. Our 24/7 emergency and claims line (0860 505 911) is available with every homeowners insurance policy.
Learn moreUse our online risk calculators
Unsure if your property is correctly insured? Our easy-to-use online calculators help you determine the right value for your home and contents, so your building insurance won't fall short.
Learn moreInsurance that fits your life and your budget
Affordable doesn’t mean basic. With Santam, you get quality home insurance solutions tailored to your lifestyle, offering real value without compromising on protection.
Learn moreIncluded
Excluded
| Core | Classic | Executive | |
|---|---|---|---|
| Fire brigade charges | |||
| Damage to gardens | |||
| Cover before property transfer | |||
| Rent receivable – 20% of structure’s insured amount | |||
| Tracing of leaks and repairs | |||
| Public supply or mains connections | |||
| Guards | |||
| Alternative accommodation - 20% of structure’s insured amount | |||
| Special alterations | |||
| Removal of fallen trees | |||
| Professional fees and demolition costs | |||
| Subsidence or landslip (limited cover) – 100% of insured amount | |||
| Loss of water | |||
| Emergency accommodation | |||
| Accidental damage to building |
When you insure the things you value, it’s important to make sure your cover is tailored to your needs and won’t leave you underinsured when the unexpected happens.
Smart, affordable cover for those building their future.
Get essential homeowners insurance with optional extras, designed to grow with you, at a competitive price.
Comprehensive insurance for financially established individuals.
Cover your home, contents, and vehicles with added flexibility and features to help protect what matters most.
Premium insurance for high-value homes and possessions.
Enjoy personalised home insurance with global coverage options, extended limits, and a dedicated support team.
Tailor your home insurance with optional add-ons that provide extra peace of mind. Choose from a range of additional benefits designed to strengthen your building insurance cover.
Subsidence or landslip – limited or comprehensive cover
Property damage from ground movement can be severe and costly. This add-on helps protect your home against structural damage caused by subsidence or landslip, whether minor or major.
Power surge
Load shedding and electrical outages increase the risk of power surges that can destroy your electronics. Our cover protects appliances, entertainment systems, and computer equipment from surge-related damage.
Maintenance of geysers
Get cover for geyser or hot water cylinder repairs and replacements caused by rust, wear and tear, decay, or defects, so you can restore hot water quickly and avoid water damage to your home.
Accidental damage to fixed machinery
Protect key systems and installations in and around your home, from pool pumps and solar panels to alarm systems and electric gates (not including windmills). This cover helps repair or replace fixed machinery if damaged accidentally.
Help is just a call away, our round-the-clock emergency services come standard with your home insurance policy. View our emergency services.
Plumber
Urgent plumbing issues? We’ll send a professional right away.
Geyser fault
Whether it’s leaking or not working, we’ll get your hot water back in no time.
Electrician
Power problems? Our qualified electricians are ready to assist.
Locksmith
Locked out or need your locks changed fast? We’ve got you covered.
Need immediate assistance?
0860 505 911
Claims and Emergency Services
Tel: 0860 505 911
Do you also cover household goods?
Building insurance covers the physical structure of your home (walls, roof, and fixtures), while household goods fall under home contents cover. Santam offers both types of cover under our personal insurance solutions. You can request a home insurance quote online or speak with our team at 0860 444 444 to explore your options.
I am insured with Santam, but I don’t have an electrical certificate for the work that was done on my house. What will happen to my claim if my house is damaged due to an electrical fault and I cannot provide a certificate?
Each claim is assessed based on its specific circumstances. If the electrical work does not meet regulatory standards, your building insurance claim may be affected. However, if the work was done correctly and the damage is covered under your homeowners insurance policy, your claim may still be honoured.
How is building insurance different from home contents insurance?
Building insurance protects the physical structure of your property, while home contents insurance covers the items inside your home. To ensure full protection, it's best to combine both types of cover under a comprehensive home insurance policy.
Is building insurance compulsory for homeowners?
While building insurance is not legally required in South Africa, it is often mandatory if you have a home loan. Most banks require homeowners insurance to protect the value of the property against damage or loss.
Can I include additional structures like boundary walls and swimming pools in my building insurance?
Yes, Santam’s building insurance cover can be extended to include outbuildings, boundary walls, swimming pools, paving, and more, provided these are noted in your policy.
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