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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 extended benefits:

  • Fire extinguishing as well as any fire-fighting costs incurred;
  • The property while it is in the process of being transferred to your name;
  • Alternative accommodation;
  • Loss of water;
  • Power surge.

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The benefits of insuring with us

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

Load shedding: 9 ways to protect your home

Load shedding: 9 ways to protect your home

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Are you adequately insured against a fire in your home?

Are you adequately insured against a fire in your home?

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Winter fire safety in the home

Winter fire safety in the home

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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

5 things to consider after receiving that Valentine’s gift

23 March 2019

Valentine’s Day is one of the most commercialised days on the global calendar. Each year billions of rands are spent on expensive gifts. In 2018, South Africa’s online gift and flower delivery business, NetFlorist, grew by 1,400% in the run-up to Valentine's Day as more than 200,000 red rose stems were ordered.

Budget Speech 2019: Santam shares 13 financial hacks

20 February 2019

In response to the highly anticipated 2019 Budget Speech, Santam, South Africa’s largest general insurer, encourages consumers to take the opportunity to look at practical ways to adjust their household budgets.

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