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.
Brochure
Click below to read a comprehensive break-down of our personal lines insurance solutions.
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 five more reasons to choose Insurance good and proper.
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.
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.
Hospital benefit plan
Our hospital benefit plan compensates you for each 24-hour day in hospital as a result of an event which you are insured for.
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.
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.
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.
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.
Whether you’re buckling up for a road trip or getting ready for some quality time at home over the holidays, these facts about your insurance will help ensure you’re properly covered.
The Santam Home Explorer is a unique interactive video guide to making your home a safer place to live for you and your family. Click below to see where everyday risks can occur and how to prevent them. You decide which areas of your home you would like to explore by clicking on the interactive areas in the video.
We know things may go wrong. That’s why we offer more than just cover. Click below to find out how we provide comfort, convenience and peace of mind when you need it most.
When lightning strikes these simple safety checks won’t leave you in the dark. Click below to learn how to protect your house and electronic equipment against the impact of lightning.
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