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.
Click below to read a comprehensive break-down of our personal lines insurance solutions.
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.
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.
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.
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.
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 big hail storm has wreaked havoc in parts of Bloemfontein recently with claims for damage to homes and vehicles streaming in at South Africa’s largest general insurer, Santam today. In a short period of time a hailstorm on the M1 North of the William Nicol highway in Johannesburg can cause extensive damage to a vehicle. For the insurance industry, a hailstorm lasting 20 minutes in two to three Pretoria suburbs could cost up to R100 million in claims for damage to vehicles and homes.
Many South Africans rely on their own transport to get from point A to B and as a result, there are more than 10 million vehicles on South African roads according to recent statistics by the electronic national administration traffic information system (eNaTIS). In many cases, people share vehicles or pass them on to family members as they upgrade, thereby changing the profile of the regular driver of the insured vehicle.
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.