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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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.
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.
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.
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.
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.