Building insurance

Every day, your house is exposed to many potential risks. We want to help you make sure your home is sufficiently protected against the most unusual and unexpected events.

With almost 60 years of experience, Santam will help you ensure that your residential home, walls, paving and swimming pool cover matches its true replacement value.

Our building insurance covers the following:

  • The tracing of leaks and necessary repair costs – up to N$5 000;
  • Damage to your buildings caused by wild baboons and wild monkeys - a minimum of N$10 000;
  • Fire extinguishing as well as any fire-fighting costs incurred; and
  • The property while it is in the process of being transferred to your name.

We also include the following convenience benefits, at no additional cost:

  • The cost of damage to residential gardens as a result of fire, including damage to irrigation systems;
  • Emergency accommodation if your house is damaged and not suitable to live in – up to N$5 000;
  • The cost of employing security staff to protect your residence – up to N$5 000; and
  • The removal of fallen trees.

Additional building insurance cover

At an additional monthly premium you can extend your building insurance to cover fixed machinery against accidental damage. These include fixed installations relating to swimming pools, spa baths and garage doors.

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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.

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Our 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.


• 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.




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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.

Why you need building insurance and how to switch from your bank

Why you need building insurance and how to switch from your bank

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Protect your home against flooding

Protect your home against flooding

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How to winterproof your home and save money

How to winterproof your home and save money

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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.


In the news

10 tips to ensure your insurance claim is paid out

26 July 2016

The Ombudsman is often approached to settle disputes after a claim has been rejected by an insurer. Here are 10 essential tips to make sure you won't have a claim rejected.

Drunk driving warning from ombud

26 July 2016

You are probably aware that if you crash your car while driving under the influence of alcohol or other drugs, your insurance company has the right to repudiate your claim, leaving you liable not only for the damage to your vehicle, but also for any other damage caused by the accident.

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