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Building insurance

Every day, your house is exposed to many potential risks, the effects of which can be devastating. As a trusted insurer, we want to help you make sure your home is properly protected against unexpected events, such as a fire, explosion, storm, flood, lightning, burglary or theft. Our building insurance covers the structures of your home and any fixtures or fittings that belong to you.

With over 102 years of experience, Santam will help you ensure that your residential home, walls, paving and swimming pool cover match their true replacement value.

Our building insurance covers the following extended benefits:

  • Alternative accommodation
  • Loss of water
  • Power surge
  • The cost of tracing a leak as well as necessary repairs
  • Fire brigade charges incurred in their work to prevent or reduce damage to the property
  • Property transfer (before a new house you purchased is legally transferred to you)
  • Professional fees and demolition costs
  • Rental costs for alternative accommodation should your house be damaged and uninhabitable

For more information, call us on 0860 444 444 or speak to your intermediary. Santam. Insurance good and proper.

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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 advice section

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.

Buying a Home in 2021? Everything Your Insurance Company Thinks You Know, But You Probably Don’t

Buying a Home in 2021? Everything Your Insurance Company Thinks You Know, But You Probably Don’t

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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

Fuel price hike: carpooling to deal with rising costs – check your insurance to see if you are covered

30 November 2021

With the increase in the fuel price now breaking through R20 a litre, and with peak time traffic being a nightmare, it makes sense to try carpooling to save money.

Santam ready to assist clients affected by Southern Cape floods

22 November 2021

Santam is ready to assist clients affected by severe flash floods in the Southern Cape.

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