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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.
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 moreUse 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.
Learn moreInsurance 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 moreIncluded
Excluded
| 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 | |||
| Guards | |||
| 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 |
When you insure the things you value, it’s important to ensure your cover won’t leave you underinsured should the unforeseen happen.
Quality affordable insurance for people who are growing their wealth.
Insure your car while enjoying optional extras at a competitive price.
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.
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.
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.
When you need us, we’re there – with 24/7 emergency services that come standard with your home insurance policy. View our emergency services.
Plumber
When you need a professional plumber NOW!
Geyser fault
Get the urgent assistance you need when you need it.
Electrician
Our professional electricians will have you up and running in no time.
Locksmith
Locked out? Need to change your locks? You’ve got it.
Need immediate assistance?
0860 505 911
Claims and Emergency Services
Tel: 0860 505 911
Do you also cover household goods?
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?
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