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
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.
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.
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.
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.
View our comparative table for an overview of our insurance offering for residential buildings like your garage or your built-in swimming pool.
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Drunk driving warning from ombud
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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.
The Santam Home Explorer is a unique interactive video guide to making your home a safer place to live for you and your family. Click below to see where everyday risks can occur and how to prevent them. You decide which areas of your home you would like to explore by clicking on the interactive areas in the video.