Santam

Santam is known as a leading general insurer that provides insurance products and services in South Africa, as well as internationally, with over 102 years of experience.

These products and services include categories of Personal, Commercial, Specialist and Agriculture Insurance. Within the category of Personal Insurance, those looking to insure their newly purchased home or building can rely on Santam’s Building Insurance to provide cover for those unforeseen circumstances such as fire, explosion, storm, flood, lightning, burglary or, theft.

Building insurance South Africa

To protect the investment that one makes when purchasing a house or building and make provision for any unexpected damages, building insurance is a must. A good building insurance policy needs to cover everything that is permanent and cannot be moved. In the case of any unexpected events that could lead to damages or loss relating to a building structure.

Santam’s Building insurance offers cover for:

• Structures of the home and any fixtures or fittings that belong to the policyholder.
• Walls
• Paving
• Swimming pool

Building insurance benefits

Even more reason to sign up with Santam Building Insurance in South Africa is that of the extended benefits one can make use of when taking out building insurance, which includes cover for:

• Alternative accommodation
• Loss of water
• Power surge
• The cost of tracing a leak as well as necessary repairs.
• Fire brigade charges incurred during their work to prevent or reduce damage to the property.
• Property transfer before a new house the policyholder purchased is legally transferred to them.
• Professional fees and demolition costs that would take place in the case of a fire.
• Rental costs for alternative accommodation should the house be damaged and uninhabitable.

Santam offers 24/7 SOS services for claims assistance at no additional cost.

This SOS service is beneficial for those with building insurance as it offers assistance for emergency household repairs 24/7- within 2 hours related to plumbing, electrical, locksmiths, and glaziers. To make use of this 24/7 service, contact 0860 505 911.

Home Contents benefits

While Building Insurance covers all aspects of the outside of the building or home, Home Contents Insurance covers all aspects inside the home which need to be protected too. Similar to building insurance, Santam’s Home Contents Insurance covers loss of or damage to household contents caused by an insured event, such as a fire, explosion, storm, flood, lightning, burglary, or, theft.

Those who choose to take out a Home Contents Insurance policy will also be entitled to benefits at no additional cost, in the form of:

• Accidental breakage of mirrors and certain glass items inside the house.
• Rental costs for alternative accommodation if the house is damaged and it is not sufficient to live in.
• Fire brigade charges incurred during their work to prevent or reduce damage to the property.
• Personal effects of guests or domestic employees while inside the home.
• Accidental spoiling of the contents of refrigerators or freezers inside the house, which can add up to be a costly event.
• Necessary costs of removing debris or damaged contents after loss or damage caused by an insured event.
• Laundry on the washing line, which is covered against any insured event.