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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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.