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Insurance for the buildings you call home


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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? Late-night plumber? Legal assistance? You got it. Simply call our 24/7 emergency & claims line on 0860 505 911.

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Use our online calculators

You can avoid being caught short by using our online risk calculators to determine the correct value of your home and its contents.

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Insurance solutions to suit my 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.

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Compare our solutions and our building insurance benefits



Core Classic Executive
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
Subsistence 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 on these solutions.

Insurance solutions

When you insure the things you value, it is important to make sure that your cover won’t leave you underinsured should the unforeseen happen. Choose an insurance solution to suit your changing needs.

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Most affordable


Quality affordable insurance for people who are growing their wealth.

Insure your car while enjoying added 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 added 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, enhanced limits and a dedicated team of expert claim 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. Ensure you are fully covered for shifts in the ground your property is on.

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 could result in extensive damage to electrical appliances, computer equipment, home entertainment and other portable devices. Our cover offers indemnification in the unfortunate event of these eventualities.

Maintenance of geysers

Cover cost 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 event.

Accidental damage to fixed machinery

Installed machinery of 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.

24/7 Emergency home assistance

When you need us, we’re there – with 24/7 emergency services that come standard with your home insurance policy. View our emergency services.


When you need a professional plumber NOW!

Geyser fault

Get the urgent assistance you need when you need it.


Our professional electricians will have you up and running in no time.


Locked out? Need to change your locks? You’ve got it.

Ready for building insurance you can trust? Get a quote today.

If you don’t ask, you’ll never know how much you could save.

You’re just a few short questions away from getting a quote for your home.

Help and FAQ's


Tel: 0860 444 444


Claims and Emergency Services

Tel: 0860 505 911

Do you also cover household goods?
Santam offers extensive home contents cover to ensure that your household goods are sufficiently protected against any insurable adverse event. You can visit the Insurance for me section on the website for more information on our range of insurance benefits and services. From there you can submit a request for a quotation, or you are welcome to contact the Santam Direct team on 0860 444 444 to talk to them about the options available to you.
I am insured with Santam, but I don’t have an electrical certificate for the work that was done on my house. What will happen to my claim if my house is damaged due to an electrical fault and I cannot provide a certificate?
Santam investigates each claim on its own merits and circumstances. Should it be found that electrical work does not comply with regulations there might be issues with the claim. However, if it was done correctly and it was found that the loss/or damage falls within the cover provided by the policy contract, the loss/or damage would be covered.

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To get insurance for you, provide a few details and let us call you, or call us on 0860 444 444.