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 of up to 25% 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
Damage to your property caused by wild monkeys or baboons
Cover for the personal effects of guests and domestic employees – up to R5 000
Contents of your refrigerators or freezers - minimum of R5 000 and
The cost of employing home security guards – up to R5 000
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, 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.
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
Home contents calculator
Make sure your home contents are sufficiently covered by using the online calculator to establish the true value of your belongings.
Even the slightest structural damage to your house can lead to an unexpected disaster. Santam’s 24/7 SOS service 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.
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.
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.
We’re in the business of paying claims, and we do so promptly and efficiently. Click below to see how having the correct cover in place can make all the difference.
We knowthings may go wrong. That’s why we offer more than just cover. Click below to find out how weprovide comfort, convenience and peace of mind when you need it most.
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