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Insurance for your household possessions


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Home contents insurance for the things you love and work hard for

Your possessions make your house a home – whether it’s a fridge, furniture, or laptop, they need to be protected as much as the building they are housed in. We insure your household contents for their replacement value, avoiding expensive surprises when things go wrong. We’ll cover you for loss or damage in the event of a fire, explosion, storm, flood, lightning, burglary or theft. Best part? We look for reasons to pay.

Get more from our insurance than comprehensive cover

24/7 emergency services that comes right to your door

Geyser leak? Locks in a jam? Medical emergency? No problem. Simply call our 24/7 emergency and claims line on 0860 505 911.

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Protection for me and my family

Our 24/7 emergency services include roadside emergency, chauffeur services, emergency household repairs and much more. Call 0860 505 911.

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An additional 10% cover during the festive season

As festive as the season is, it comes with certain risks. As a policyholder, you’ll get an additional 10% cover on home contents between 15 December and 31 January at no additional cost.

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Compare our solutions and contents cover benefits



Core Classic Executive
Fire brigade charges
Transport of groceries and household goods R2 000 R5 000 R50 000
Personal effects of domestic employees R5 000 R5 000 R50 000
Washing on the line R2 500 R5 000 R50 000
Theft or attempted theft from outbuildings R5 000 R5 000 R5 000
Contents of fridges/freezers R3 000 R5 000 R50 000
Power surge Optional Optional
Alternative accommodation - percentage of content’s insured amount 20% 25% 25%
Contents on the premises of the private residence R2 500 R5 000 R50 000
Money (excluding theft) R1 000 R2 500 R25 000
Personal effects of guests R5 000 R5 000 R50 000
Subsidence or landslip (limited cover) – 100% of insured amount
Loss of water R2 500 R25 000
Storage costs for contents after damage R5 000 R10 000
Accidental breakage of mirrors and certain glass items
Removal of debris or damaged contents after loss or damage caused by an insured event
Property keys R1 000 R2 500 R50 000
Veterinary expenses R3 000 R30 000 R60 000
Cover for contents on an asset all-risks basis and flexible worldwide cover against loss or damage, up to 30%

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.

All-Risk items

We offer cover for your cherished and valuable items even when you take them out of the house, from special clothing to eyewear, jewellery, cellphones and photographic equipment.

Limited B&B cover

Take care of paying guests with up to R10 000 cover for trauma treatment, personal effects and emergency expenses. Then take care of business with up to R5 000 cover for damages to external signs, blinds and canopies, as well as dry cleaning.

Legal expenses

Legal expenses can put a severe dent in your bank balance. We cover legal defence costs for family matters, criminal, civil or labour court actions.

Personal legal liability

Protect yourself when the unexpected happens. Our personal legal liability cover includes your legal responsibility for accidental physical loss of or damage to someone else’s property or belongings.

Building insurance

Your house is your haven, your safe place. Make sure the building is properly protected against unexpected events like fire, explosion, storm, flood and lightning.

Personal accident

Protect your future and the future of your loved ones. We provide cover for your accidental death or permanent disability as a result of bodily injury within 12 months of an accident.

Extended personal legal liability

Travel a lot? Wherever you are in the world, we’re with you – ensuring you’re covered against eventualities that are not covered under your personal legal liability cover.

Subsidence or landslip

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.

All risks – cover the things you love, even when out and about

Life is unpredictable. You never know when you could lose something valuable to you. Our personal All risks insurance covers the loss of or damage to items you normally wear or carry outside your home, wherever you are in the world. This includes clothing and personal effects as well as specified personal items like cellphones, laptops, bicycles, sunglasses and jewellery.

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Do you have enough insurance?

One in three homes in South Africa are 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.


Drain blocked? Toilet backing up? We'll get a plumber to your home to sort it out ASAP.

Geyser fault

Get the urgent assistance you need when you need it.


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


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

Get a quote today

Answer a few short questions to get an obligation free quote for your home contents.

Help and FAQ's


Tel: 0860 444 444


Claims and Emergency Services

Tel: 0860 505 911

By insuring my house contents does it mean that the contents are also covered against fire?
Home contents cover against fire is automatically included as an insured risk under the home contents section of the Santam Personal Insurance lines policies.
Some of my electric appliances are faulty. How do I know if I can claim for it?
We recommend that you proceed with the registration of a formal claim either via the Santam app, Santam website or by calling 0860 505 911. You will then be advised if your policy provides cover for these household items.
Do you provide insurance cover for cellphones?
Santam provides cover for smartphones and similar high value lifestyle items under its All risks personal insurance solution. These items need to be specified and reflected in your policy based on their correct value. Should you be interested, please contact Santam Direct on 0860 444 444 for further information, or for a personalised quote based on your insurance needs and budget.

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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.