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Specialist real estate

We offer a diverse range of specialised insurance solutions for the collective property schemes industry which include sectional title/home owners association/retirement villages, catering for both residential and commercial real estate markets. We also offer specialised insurance solutions for the broader real estate industry, including property developers.

As specialists in our field, we understand the importance of working in partnership with our brokers to provide the best possible insurance solutions. Our team of experts offer personalised attention and product structuring services to ensure our proposals are more than just desk-top insurance quotations.

Why insure with us?

  • Innovative products and services to meet the needs of the complex sectional title and collective property scheme market.

  • Dedicated focus enables us to offer industry-leading products that are highly adaptable within an evolving environment.

  • Policies comply with the requirements of the Sectional Title Act, thereby protecting the owners and trustees of sectional title properties.

  • World-class claims service with excellent claim-processing infrastructure.

  • Policies include special features such as public liability cover, trustee liability cover, geyser maintenance, etc.

  • Structured products for the real estate development industry.

Learn more

Why insure with us?

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 complex sectional title and collective property market. One of the unique features of our policies is that they comply with the requirements of the Sectional Title Act, thereby protecting the owners and trustees of sectional title properties. We have world-class claims service with excellent claim-processing infrastructure. 

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. 

Our product benefits

Policies include special features such as public liability cover up to R100 million, office bearers liability up to R10 million, cyber risk cover up to R1 million, fidelity risk cover up to R 1 million for office bearers and extended to managing agents. Policies can include any combination of residential and commercial, but the commercial cannot exceed 30% of the total risk, except for office parks.

Contact us

0860101305

Sales enquiries: 

Claims Registrationclaims@santam.co.za

Geyser related claimsgeysers@santam.co.za

General queriesrealestatequeries@santam.co.za

Request a quotequotations@santam.co.za