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Your possessions turn your house into a home. From furniture and appliances to laptops and décor, they deserve reliable protection. Our home contents insurance covers the replacement value of your items, so you're not caught short when disaster strikes. Whether it's fire, flood, theft or lightning, we’ve got you covered. And with personalised cover, we look for reasons to pay.
24/7 emergency services at your doorstep
Geyser leak? Locked out? Medical emergency? Our 24/7 emergency and claims line is here for you, call 0860 505 911 anytime.
Learn moreProtection for me and my family
Beyond home contents cover, our 24/7 emergency services include roadside assistance, chauffeur services, emergency household repairs, and more. Call 0860 505 911.
Learn moreExtra cover over the festive season
As festive as the season is, it comes with certain risks. Between 15 December and 31 January, policyholders receive an additional 10% household insurance cover at no extra cost.
Learn moreIncluded
Excluded
| Core | Classic | Executive | |
|---|---|---|---|
| Fire brigade charges | |||
| Transport of groceries and household goods | R2 000 | R5 000 | R50 000 |
| Personal effects of domestic employees | R5 000 | R5 000 | R50 000 |
| Washing on the line | R2 500 | R5 000 | R50 000 |
| Theft or attempted theft from outbuildings | R5 000 | R5 000 | R5 000 |
| Contents of fridges/freezers | R3 000 | R5 000 | R50 000 |
| Guards | |||
| Power surge | Optional | Optional | |
| Alternative accommodation - percentage of content’s insured amount | 20% | 25% | 25% |
| Contents on the premises of the private residence | R2 500 | R5 000 | R50 000 |
| Money (excluding theft) | R1 000 | R2 500 | R25 000 |
| Personal effects of guests | R5 000 | R5 000 | R50 000 |
| Subsidence or landslip (limited cover) – 100% of insured amount | |||
| Loss of water | R2 500 | R25 000 | |
| Storage costs for contents after damage | R5 000 | R10 000 | |
| Accidental breakage of mirrors and certain glass items | |||
| Removal of debris or damaged contents after loss or damage caused by an insured event | |||
| Property keys | R1 000 | R2 500 | R50 000 |
| Veterinary expenses | R3 000 | R30 000 | R60 000 |
| Cover for contents on an asset all-risks basis and flexible worldwide cover against loss or damage, up to 30% |
Protect the things that matter most with insurance that won’t leave you underinsured when the unexpected happens.
Affordable, quality insurance designed for individuals building their financial future.
Get essential car and household insurance cover with optional extras at a competitive rate.
Tailored, comprehensive insurance for those with growing responsibilities.
Cover your building, contents and car, with added options to better prepare you for life’s surprises.
Exclusive insurance for high-net-worth individuals seeking personalised protection.
Enjoy flexible worldwide cover, extended limits, and expert service for your most valuable assets.
Explore our additional options that let you tailor your home contents insurance to fit your unique needs and lifestyle.
All-Risk items
Cover your cherished and valuable items even when you take them out of the house, from jewellery and special clothing to cellphones, eyewear, and photographic equipment.
Limited B&B cover
Hosting paying guests? Get up to R10 000 cover for trauma treatment, personal effects, and emergency expenses, plus R5 000 for damages to external signs, blinds, canopies, and dry cleaning.
Legal expenses
Legal matters can put a severe dent in your bank account. We cover legal defence costs for family disputes, criminal, civil, or labour court cases.
Personal legal liability
Protect yourself financially when the unexpected happens. We've got you covered if you’re held legally responsible for accidental loss or damage to someone else’s property or belongings.
Building insurance
Safeguard the building you call home against fire, explosion, storm, flood, lightning, and other unexpected events with comprehensive building insurance.
Personal accident
Protect your and your loved ones' future with cover for accidental death or permanent disability resulting from bodily injury within 12 months of an accident.
Extended personal legal liability
Frequent traveller? Enjoy worldwide protection against incidents not covered under standard personal legal liability.
Subsidence or landslip
Property damage caused by subsidence or landslip can be costly. Ensure you are fully covered when the ground beneath your property shifts.
Life is unpredictable, and valuables can be lost or damaged anytime, anywhere. Our personal All risks insurance protects your belongings when you wear or carry them outside your home, whether it’s clothing, personal effects, or specified items like cellphones, laptops, bicycles, sunglasses, and jewellery. Enjoy peace of mind knowing your valuables are covered worldwide.
Learn more
Whenever you need us, we’re just a call away. Our 24/7 emergency services come standard with your home insurance policy. View our emergency services.
Plumber
Blocked drain or overflowing toilet? We’ll send a plumber to your home right away to fix the problem.
Geyser fault
Leaks or no hot water? Get fast, urgent assistance to restore your geyser.
Locksmith
Locked out or need to change your locks quickly? We’ve got you covered.
Electrician
Power issues? Our professional electricians will have your home up and running in no time.
Need immediate assistance?
0860 505 911
Claims and Emergency Services
Tel: 0860 505 911
Does home contents insurance cover fire damage?
Yes. Fire damage is automatically included under the home contents cover in your Santam personal household insurance policy. This ensures your belongings are protected against fire and other insured events.
Some of my electric appliances are faulty. How do I know if I can claim for it?
We recommend registering a claim via the Santam app, website, or by calling 0860 505 911. Our team will assess whether your home contents insurance policy provides cover for the appliances in question.
Do you provide insurance cover for cellphones?
Yes, smartphones and other high-value portable items are covered under our All Risk insurance. These items must be specified on your home insurance policy at their correct value. Contact Santam Direct on 0860 444 444 for more details or to get a personalised quote.
What’s the difference between building insurance and home contents insurance?
Building insurance covers the structure of your home (walls, roof, fixtures), while home contents insurance covers the moveable items inside your home. For full protection, it’s best to have both as part of your home and contents cover.
Are my belongings covered while I’m away from home?
Items inside your home are covered under your home contents insurance, but for personal belongings you take outside, like laptops or jewellery, you’ll need all risk insurance. This complements your household insurance for broader protection.
Does my policy cover accidental damage to home contents?
Yes, accidental damage is typically included, but it depends on your specific home insurance policy. Always check your policy wording or speak to your adviser to confirm what's covered.
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