It is easy to underestimate the value of your home’s contents. Sadly, this can be an expensive oversight should something ever go wrong. We are here to help you make sure your home contents cover is sufficient.
Santam claims statistics indicate that one out of three homes in South Africa are underinsured by some 30%. Make use of our online risk calculators or arrange for a professional assessment to determine the correct replacement value of the contents of your house.
Make sure your home contents are sufficiently covered by using our online calculator to establish the true value of your belongings.
Our basic contents insurance covers the following benefits and convenience, at no additional cost:
Accidental breakage of mirrors and certain glass inside your house;
Rental amount for alternative accommodation should your house be damaged and not suitable to live in;
Fire extinguishing charges incurred to prevent or reduce damage to your property;
Cover for the personal effects of guests and domestic employees;
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, illness or injury to someone who is not a member of your household. This cover includes your legal responsibility for accidental physical loss 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.
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.
Home contents calculator
Make sure your home contents are sufficiently covered by using the online calculator to establish the true value of your belongings.
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.
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.