Santam Home Insurance

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Insurance for the buildings you call home

Let us protect your home

Your home is your haven, a place to relax and feel safe. But your house is exposed to everyday risks, and the consequences of it not being properly protected can be devastating. Let us ensure you have the right cover to protect your property against unexpected fire, explosion, flood, lightning, burglary and theft. We’ll cover the structures as well as fixtures and fittings on your property, so you and your family can rest easy.

The extra mile for you

24/7 emergency services that come to your door

Emergency household repairs? After-hours plumber? Legal assistance? You got it. Simply call our 24/7 emergency & claims line on 0860 505 911.Learn more

Use our online calculators

Avoid being caught short by using our online risk calculators to determine the correct value of your home and its contents.Learn more

Insurance solutions to suit your needs

Affordable insurance is not the same as cheap insurance. Let us help you find the right insurance solution for your needs at an affordable rate.Learn more

Compare our solutions and our building insurance benefits



Fire brigade charges
Damage to gardens
Cover before property transfer
Rent receivable – 20% of structure’s insured amount
Tracing of leaks and repairs
Public supply or mains connections
Alternative accommodation – 20% of structure’s insured amount
Special alterations
Removal of fallen trees
Professional fees and demolition costs
Subsidence or landslip (limited cover) – 100% of insured amount
Loss of water
Emergency accommodation
Accidental damage to building

*Comprehensive, Limited and Third party covers are available with these solutions.

Insurance solutions

When you insure the things you value, it’s important to ensure your cover won’t leave you underinsured should the unforeseen happen.


Most affordable


Quality affordable insurance for people who are growing their wealth.

Insure your car while enjoying optional extras at a competitive price.

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Most popular


Tailored, comprehensive insurance for financially established individuals.

Insure your building, contents and car, and benefit from optional extras to help prepare you for the unexpected.

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Tailor made


For discerning individuals looking to insure their most valuable assets.

Comprehensive, personalised insurance with a flexible worldwide cover option, extended limits and a dedicated team of expert claims and service consultants.

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Need more cover? Get more cover

Find out more about our additional options that allow you to tailor your cover to your specific needs.

Subsidence or landslip – limited or comprehensive cover

Property damage caused by subsidence or landslip can be devastatingly expensive. Make sure you are fully covered when the ground beneath your property shifts.

Power surge

With ongoing interruptions to the electricity grid and regular unscheduled power outages, the risk of power surge to electrical appliances is heightened. This can result in extensive damage to electrical appliances, computer equipment, home entertainment and other portable devices. Our cover offers indemnification in the unfortunate event of power surge damage to your appliances and electronic equipment.

Maintenance of geysers

Cover costs associated with damage to your geysers or hot water cylinders caused by wear and tear, rust, decay or latent defects. This cover will ensure that you keep you water warm and your home dry as soon as possible after an unfortunate incident.

Accidental damage to fixed machinery

Installed machinery for swimming pools, spa baths, boreholes (excluding windmills), sprinkler irrigation systems, electric gates, garage doors, central vacuum cleaning systems, water pumps, air conditioners, stoves, walk-in refrigerators and freezers, alarms, security surveillance equipment, solar power generation systems and panels as well as electrical power generators are covered against accidental damage.

Do you have enough insurance?

One in three homes in South Africa is underinsured. Luckily, you can avoid being caught short by using our online risk calculators to determine the correct value of your home and its contents.

Building value calculator

Home contents calculator

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