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Building insurance

Every day, your house is exposed to many potential risks. We want to help you make sure your home is sufficiently protected against the most unusual and unexpected events.

With almost 100 years of experience, Santam will help you ensure that your residential home, walls, paving and swimming pool cover matches its true replacement value.

Our building insurance covers the following:

  • The tracing of leaks and necessary repair costs – up to R5 000;
  • Damage to your buildings caused by wild baboons and wild monkeys - a minimum of R10 000;
  • Fire extinguishing as well as any fire-fighting costs incurred; and
  • The property while it is in the process of being transferred to your name.

We also include the following convenience benefits, at no additional cost:

  • The cost of damage to residential gardens as a result of fire, including damage to irrigation systems;
  • Emergency accommodation if your house is damaged and not suitable to live in – up to R5 000;
  • The cost of employing security staff to protect your residence – up to R5 000; and
  • The removal of fallen trees.

Additional building insurance cover

At an additional monthly premium you can extend your building insurance to cover fixed machinery against accidental damage. These include fixed installations relating to swimming pools, spa baths and garage doors.

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The benefits of insuring with us

Santam is the insurer of choice for millions of South Africans countrywide. We help you be safe and stay safe – everywhere you go. If you need four more reasons to choose Insurance good and proper.

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Welcome to our blog

Santam shares the latest news and great perspectives on everything from the formation of lightning and your car’s tyre tread to your house’s roof, your business’ gutters and just about anything else that affects your safety.

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Cover for connoisseurs

Personal legal liability


Personal legal liability provides insurance cover if you are legally responsible for the accidental death of illness of or injury to someone who is not a member of your household. This cover includes your legal responsibility for accidental physical loss of or damage to someone else’s property or belongings.


Extended personal legal liability


No matter where you go in the world, we will ensure that you are covered against eventualities which you are not covered for under our Personal legal liability section.

Legal costs and expenses


This option provides cover for any personal legal costs and expenses. This includes legal defence costs of family matters as well as criminal, civil or labour court actions.

Personal accident


We provide cover for your accidental death or permanent disability as a result of bodily injury due to, and within 12 months of an accident.

All Risks

We carry expensive lifestyle items and other valuables with us every day. Our All Risks solution provides cover for loss of or damage to items you normally wear or carry with you outside your home.

Our All Risks section includes cover for:

  • Clothing and personal effects - the clothes you wear, as well as the personal items you carry with you, including personal sporting equipment; and
  • Specified items – items that need to be specified for cover, based on their correct value. This includes keys, locks, remote control units, certain collections, bicycles, laptops, tablets and cellphones. All specified items will be reflected in your policy.

Cellphone

Jewellery

Audiovisual

Special collection

Laptop

SOS services

Even the slightest structural damage to your house can lead to an unexpected disaster. Santam’s 24/7 SOS services and claims line will put you in touch with the necessary support in times of need.

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Safety tips

Santam is the insurer of choice for millions of South Africans countrywide. We help you be safe and stay safe – everywhere you go.

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Santam app

A first-of-its-kind app from Santam now allows you to keep family and friends by your side, no matter where in the world you go. Another way we help you to be safe out there.

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Building calculator

Underinsured building cover is a common yet expensive insurance oversight. Use our online calculator to determine if your house and other building structures are sufficiently covered.

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Get great deals through our partners

Benefit from the range of Santam service providers that offer exclusive discounts on services that will improve the safety and security of you, your family and possessions.

In the news

Santam study finds SA drivers ‘in love’ with their cars

07 March 2018

A national client survey by Santam, has revealed interesting and surprising attitudes of drivers towards their vehicles, including emotional attachment and feelings of despondency if dispossessed of their much-loved cars.

Santam offers Budget 2018 ‘belt-tightening’ tips for South Africans

21 February 2018

In response to the 2018 Budget Speech, Santam, South Africa’s largest general insurer, has urged households to brace for another year of ‘belt tightening’ and consolidation of expenses.

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