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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

Brochure

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.

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.

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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

Counting the real costs of hail: denting not just your car but the economy too

21 October 2016

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.

Handing over your car keys could be costly

20 September 2016

Many South Africans rely on their own transport to get from point A to B and as a result, there are more than 10 million vehicles on South African roads according to recent statistics by the electronic national administration traffic information system (eNaTIS). In many cases, people share vehicles or pass them on to family members as they upgrade, thereby changing the profile of the regular driver of the insured vehicle.

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