We provide comprehensive coverage to safeguard your property from unexpected incidents like fire, explosions, floods, lightning, burglary, and theft. Our protection extends to the structure, fixtures, and fittings, ensuring that you and your family can truly feel at ease.
Protection for you and your family
We can’t keep the unexpected from happening. But we can make sure that there are no nasty surprises when it comes to your insurance and you are not left with more questions than answers. Our excess structure enables us to fulfil our promise.
We offer the broadest range of insurance solutions
Our expertise stretches across personal, commercial, agricultural and niche markets. Our niche offering includes marine, aviation, engineering, legal, liability, bonds and guarantees, alternative risk transfer and corporate property insurance.
The Santam app: Made for Namibia
The Santam app gives you 24/7 access to your insurance portfolio and our incident reporting tool – it’s everything you need to take care of your personal insurance at home and on the go.
Balance comprehensive cover with price to protect what you’ve worked for.
Fire brigade charges
Damage to gardens
Cover before property transfer
Rent receivable – 20% of structure’s insured amount
Tracing of leaks and repairs
Public supply or mains connections
Guards
Alternative accommodation - 20% of structure’s insured amount
Special alterations
Removal of fallen trees
Professional fees and demolition costs
Subsistence or landslip (limited cover) – 100% of insured amount
Loss of water
Emergency accommodation
Power surge
Accidental damage to fixed machinery
Maintenance of geyser
Find out more about our optional extras that allow you to tailor your cover to your specific needs.
All Risk items
We offer cover for your loved and valuable items even when you take them out of the house, from special clothing to eyewear, jewellery, cellphones, and photographic equipment and laptops.
Subsidence and landslip – limited or comprehensive cove
Property damage caused by subsidence or landslip can be devastatingly expensive. Ensure you are fully covered for any shifts in the ground your property is on.
Home contents insurance
Your possessions make your house a home. We’ll protect the prized belongings you've invested in and accumulated by ensuring your home contents are fully covered.
Personal legal liability
Protect yourself when the unexpected happens. Our personal legal liability solution covers your legal responsibility for accidental physical loss of or damage to someone else’s property or belongings.
Power surge
With ongoing power interruptions and faults, the risk of a power surge is very real. And the damage to appliances, computers and other devices can be significant. Our cover offers protection against these eventualities.
Legal costs and expenses
Legal expenses can put a severe dent in your bank balance. We cover legal defence costs as well as criminal, civil or labour court actions.
Extended personal legal liability
Travel a lot? Wherever you are in the world, we’re with you – ensuring you’re covered against eventualities which are not covered under your personal legal liability cover.
Personal accident
Protect your future and the future of your family. We provide cover for your accidental death or permanent disability as a result of bodily injury within 12 months of an accident.
Life is unpredictable. You never know when you might lose something valuable. Our personal all risk insurance covers the loss of or damage to items you normally wear or carry outside your home, wherever you are in the world. This includes clothing and personal effects as well as specified personal items like cellphones, laptops, bicycles, sunglasses and jewellery.
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