Real estate
It is our belief that real estate insurance solutions should be appropriately designed, simple to access, simple to understand and provide sustainable protection to our policyholders.
We offer innovative products and services to meet the needs of the collective property schemes industry (sectional title / home owners association / retirement villages), which cater for the residential and commercial real estate markets. We also offer specialised insurance solutions for the broader real estate industry, including property developers.
Our range of solutions include:
- Residential sectional title schemes such as flats, townhouses, semi-detached houses, dual houses, etc.
- Share block schemes: Group and cluster housing schemes (often referred to as “gated villages”) controlled by homeowners’ associations
- Sectional title retirement villages: Retirement villages (but excluding frail care liability)
- Golf estates: Golf estate and lifestyle living, holiday apartments
- Corporate sectional title office blocks and office parks
- Structured products for the broader real estate industry
Policies include special features:
- Public liability cover up to R100 million
- Trustee liability up to R10 million
- Cyber risk cover up to R1 million
- Automatic fidelity cover (including computer crime) up to R50 000 (up to R1 million can be provided)
- Policies can include any combination of residential and commercial uses within the collective property scheme.

Contact us
When you insure with Santam Specialist Real Estate, you can enjoy peace of mind knowing you are well covered. Take advantage of our depth of expertise by contacting us.
General enquiries:
T: 086 010 1305
Enquiries:- Head: Santam Real Estate: Susan Grobler - Susan.Grobler@santam.co.za
- General Manager: Collin Govender - Collin.Govender@santam.co.za
- Eastern Cape, Western Cape & Northern Cape: Ebrahim Williams - Ebrahim.Williams@santam.co.za
- Gauteng, North West, and Vaal: Mtho Hlatshwayo - Mtho.Hlatshwayo@santam.co.za
- KZN: Meloshni Naidoo - Meloshni.Naidoo@santam.co.za
- Northern Region: Mpumalanga/Limpopo/Free State/Pretoria - SREUnderwriting4@santam.co.za
Request a quote from your dedicated underwriter
- Gauteng/North West and Vaal: SREUnderwriting1@santam.co.za
- Eastern, Western and Northern Cape: SREUnderwriting2@santam.co.za
- KZN: SREUnderwriting3@santam.co.za
- Northern Region: SREUnderwriting4@santam.co.za
For our world-class claims service, contact us on:
- Claims registration: SRERegistrations@santam.co.za
- Geyser related claims: geysers@santam.co.za