Combined building & home contents insurance

Found your dream home and ready to make that commitment? Choosing the right insurer to safeguard your house and home contents is as important as settling on your new address.

Make sure you choose the right partner to protect the things you love.

Innovative solutions backed by solid industry experience

Owning your own home comes with added responsibility and careful planning, but it needn’t add stress and anxiety over protecting your property and keeping your valuables safe.

Santam has been protecting the homes and valuables of millions of South Africans since 1918 – that’s more than 100 years of industry knowledge and experience in developing innovative solutions to meet the ever-evolving needs our clients.

We continue to benchmark ourselves against industry developments and other world-class insurance providers to ensure that we remain at the forefront of key trends and value-added benefits and solutions.

Need urgent help around the house? 

Santam offers a free Home Assist service to clients. In the case of an adverse event, we’ll put you in touch with approved contractors and quality emergency repair services to help you settle back in straight away, and stress-free.

Santam’s building and home contents insurance covers the costs for household emergency repair services, and within two hours of logging a call. This is to limit further damage to your property or consequential risk, such as theft or vandalism. Our combined building and home contents cover provides for the following:

  • On-site professional repair services within two hours of your call
  • Quality services by accredited plumbers, electricians, glaziers, locksmiths and essential appliance service contractors
  • Three incidents per renewal period, up to a maximum of R500 per incident
  • Call-out fees and first hour of labour, excluding costs of parts

In the holiday spirit 

Did you know that Santam automatically increases your home contents cover by 10% during the annual festive season and national public holidays – at no additional cost to you as policyholder?

The insured home contents amount as indicated on your policy summary will automatically increase during:

  • Official long weekends
  • National festive holiday
  • School holidays as indicated on the annual provincial school calendar
The percentage of this increase is shown in your policy summary.


Find more information on Santam’s affordable and quality insurance solutions and value added benefits  for a quote based on your unique needs and risk profile.

undefined Download brochure

Learn more Get quote Get quote

Benefits included

Santam’s building and home contents insurance includes benefits that extend beyond cover for basic insured events such as fire and burglary. It also includes benefits such as:

  • Veterinary expenses
  • Loss of keys to your property
  • Transport of groceries
  • Subsidence and landslip
  • Personal effects of domestic employees and guests

Help at your fingertips

With the leading-edge Santam app you can instantly reach out to Santam’s 24/7 SOS and Claims team to log insurance related emergency support. The SOS button will alert the emergency response team, while additional functionalities allow you to log any specific emergency services you require.

The Santam app gives you immediate access to your existing insurance portfolio. Here you can view your policy documents, edit your personal details and request any changes or additions to your policies. You can also submit and track a claim via the Santam app.

Download our app Register on our website

Make the smart move

Looking for trusted and tailored solutions to meet your unique insurance needs and budget?
Let us combine your building cover, home contents and car insurance to help you realise savings on your overall personal insurance premium while enjoying the same quality cover and benefits that Santam is known for.  

Request a quote

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? Everything Your Insurance Company Thinks You Know, But You Probably Don’t

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

Learn more
Twelve tips to manage load shedding

Twelve tips to manage load shedding

Learn more
Are you adequately insured against a fire in your home?

Are you adequately insured against a fire in your home?

Learn more

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.