A lot of money goes towards the things that turn a house into a home. Whether it’s a fridge, furniture, or laptop, your possessions need to be protected as much as the building they are in. With Santam, get peace of mind that your household contents are insured for their full and accurate value, avoiding expensive surprises should the unfortunate happen. We’ll cover you for loss or damage in the event of a fire, explosion, storm, flood, lightning, burglary or theft.
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
Transport of groceries and household goods- N$5 000
Personal effects of domestic employees- N$5 000
Washing on the line- N$5 000
Theft or attempted theft from outbuildings- N$5 000
Contents of fridges/freezers - N$5 000
Guards
Alternative accommodation - 20% of content’s insured amount
Contents on the premises of the private residence- N$5 000
Money (excluding theft)- N$2 500
Personal effects of guests- N$5 000
Subsistence or landslip (limited cover) – 100% of insured amount
Loss of water- N$2 500
Storage costs for contents after damage- N$5 000
Accidental breakage of mirrors and certain glass items
Storage costs for contents after damage- N$5 000
Removal of debris or damaged contents after loss or damage caused by an insured event
Property keys- N$2 500
Veterinary expenses- N$30 000
Power surge
Find out more about our additional options that allow you to tailor your cover to your specific needs.
All-Risk items
We offer cover for your cherished and valuable items even when you take them out of the house, from special clothing to eyewear, jewellery, cellphones and photographic equipment.
Limited B&B cover
Take care of paying guests with up to N$10 000 cover for trauma treatment, personal effects and medical expenses. Then take care of business with up to N$5 000 cover for damages to external signs, blinds and canopies as well as dry cleaning.
Legal expenses
Legal expenses can put a severe dent in your bank balance. We cover legal defence costs for family matters, criminal, civil or labour court actions.
Personal legal liability
Protect yourself when the unexpected happens. Our personal legal liability cover includes your legal responsibility for accidental physical loss of or damage to someone else’s property or belongings.
Building insurance
Your house is your haven, your safe place. Make sure the building is properly protected against unexpected events like fire, explosion, storm, flood and lightning.
Personal accident
Protect your future and the future of your loved ones. We provide cover for your accidental death or permanent disability as a result of bodily injury within 12 months of an accident.
Extended personal legal liability
Holidays should be a time for relaxation, not for worrying about getting stranded or having to pay for expensive medical treatment abroad. Wherever you are in the world, we’re with you – ensuring you’re covered against eventualities that are not covered under your personal legal liability cover.
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.
Learn more
By insuring my house contents does it mean that the contents are also covered against fire?
Home contents cover against fire is automatically included as an insured risk under the home contents section of the Santam Personal Insurance lines policies.
Some of my electric appliances are faulty. How do I know if I can claim for it?
We recommend that you proceed with the registration of a formal claim either via the Santam app, Santam website. You will then be advised if your policy provides cover for these household items.
Do you provide insurance cover for cellphones?
Santam provides cover for smartphones and similar high value lifestyle items under its All risks personal insurance solution. These items need to be specified and reflected in your policy based on their correct value. Should you be interested, please contact +264 061 292 8000 for further information, or for a personalised quote based on your insurance needs and budget.
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