Home contents insurance

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


Click below to read a comprehensive break-down of our personal lines insurance solutions.

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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 five 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.

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.




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.

In the news

South African homeowners and the risk of underinsurance

30 November 2017

10% extra home contents cover boost from Santam aims to nudge clients to keep policies updated

Before leaving your home this holiday, make sure you are properly covered

05 July 2017

With the July school holidays here and many homeowners planning on going on vacation, short-term insurer Santam has put together a guide to help people make sure their home contents are properly covered before they shut their suitcases and close the front door.

Read more