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.

Our building insurance covers the following:

  • The cost of tracing a leak as well as the necessary repairs
  • Damage to your buildings caused by wild baboons and wild monkeys
  • Fire-extinguishing as well as any firefighting costs incurred to prevent or reduce damage to the property
  • The property while it is in the process of being transferred to your name
  • The cost of damage to gardens as a result of fire, including damage to irrigation systems
  • Emergency accommodation if you house is damaged, after an insured event, and not suitable to live in
  • The cost of employing security staff after an event
  • The removal of fallen trees due to an insured event
  • Professional fees and demolition costs

Optional cover

  • Power surge

Learn more

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 More

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.




Special collection


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.

Our guide to home contents insurance - and why combining cover saves you money

Our guide to home contents insurance - and why combining cover saves you money

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

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

Learn more
Protect your home against flooding

Protect your home against flooding

Learn more

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.

Read more