Building insurance
Your home is probably the biggest investment you have and you have spent time, money and effort towards making it comfortable to you. Every day, your home is exposed to many potential risks like fire, burglary or damage. At Santam, we want to help you make sure your home is sufficiently protected against such unexpected events.
The benefits of insuring with us
Santam is the insurer of choice for thousands of Namibians countrywide. We help keep you safe by delivering insurance good and proper.
Read MoreOur flat excess structure
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 to you of insurance good and proper. With our flat excess, you know upfront how much your excess will be thus eliminating surprises at claims time. Now that’s proper, dependable, thorough insurance against any eventuality.
Building
• The excess for claims is n$500 and n$100 for accidental damage.
Excess for clients 55 years and older
• No excess applicable
Cover for connoisseurs
Personal legal liability
Personal legal liability provides insurance cover if you are legally responsible for the accidental death of illness of or injury to someone who is not a member of your household. This cover includes your legal responsibility for accidental physical loss of 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.
Personal accident
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.
All Risks
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.
Cellphone
Jewellery
Audiovisual
Special collection
Laptop
Welcome to our blog
Santam shares the latest news and great perspectives on everything from the formation of lightning and your car’s tyre tread to your house’s roof, your business’ gutters and just about anything else that affects your safety.
Comparative tables
View our comparative table for an overview of our insurance offering for residential buildings like your garage or your built-in swimming pool.