Home contents insurance

Home contents insurance makes sure your valuable possessions that make your house a home are protected against loss and damage. Above and beyond insuring the building you live in, the items that are important to you need adequate cover too.

It is easy to underestimate the true value of the contents of your home. This can be an expensive oversight should anything ever go wrong. We want to help you make sure your home contents are adequately covered. Our insurance solutions cover loss of or damage to household contents caused by an insured event, such as a fire, explosion, storm, flood, lightning, burglary or theft.

Our claims statistics indicate that one out of three homes in South Africa are underinsured by some 30%. Use our online risk calculators or arrange for a professional assessment to determine the correct replacement value of the contents of your house.

Our basic home contents insurance covers the following benefits and conveniences, at no additional cost:

  • Accidental breakage of mirrors and certain glass items inside the house
  • Rental costs for alternative accommodation should your house be damaged and uninhabitable
  • Fire brigade charges incurred in their work to prevent or reduce damage to your property
  • Personal effects of guests or domestic employees while inside the home
  • Accidental spoiling of the contents of refrigerators or freezers inside the house
  • Necessary costs of removing debris or damaged contents after loss or damage caused by an insured event
  • Laundry on the washing line, which is covered against any insured event

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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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.

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.




Special collection


Home contents calculator

Make sure your home contents are sufficiently covered by using the online calculator to establish the true value of your belongings.

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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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SOS services

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.

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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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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.

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