Home Insurance
Home Insurance Singapore – Protect Your Home, Renovations & Contents
Your home is more than just a place to live—it is where your family, memories, and valuables are kept. Home Insurance helps safeguard your property, renovations, and household contents against unexpected events such as fire, water damage, theft, and other insured risks.
Suitable for HDB flats, condominiums, landed properties, and rental homes, Home Insurance provides flexible protection options designed to suit different lifestyles and budgets in Singapore
What Is Covered Under Home Insurance?
Building & Renovations Coverage
For homeowners, this section covers damage to home improvements and fixed fittings, including:
- Built-in cabinets and wardrobes
- Flooring, kitchen fixtures, and sanitary fittings
- Renovations caused by insured events such as fire, explosion, or burst pipes
Coverage applies up to the chosen sum insured.
Household Contents Insurance
Protects your personal belongings and movable household items, such as:
- Furniture and electrical appliances
- Clothing and personal effects
- Valuables (subject to policy limits)
- Contents temporarily removed from the home
This helps you recover financially if your belongings are damaged or lost due to insured incidents.
Worldwide Personal Liability Protection
Provides financial protection if you or your family members become legally responsible for:
- Accidental injury to others
- Accidental damage to third-party property
Coverage typically applies both in Singapore and overseas, offering added peace of mind wherever you go.
Family Accidental Death Benefit
Some Home Insurance plans include accidental death coverage arising from home-related incidents, offering additional financial support for you and your loved ones.
24-Hour Emergency Home Assistance
Access round-the-clock support for urgent household issues, such as:
- Plumbing emergencies
- Electrical faults
- Locksmith services
- Pest control assistance
This service helps resolve home emergencies quickly and efficiently.
Additional Benefits (Subject to Policy Terms)
Depending on the insurer and selected plan, Home Insurance may also include:
- Temporary alternative accommodation or loss of rental income
- Removal of debris after insured damage
- Replacement of locks and keys
- Medical expenses due to home accidents
- Loss or damage to domestic helper’s belongings
- Spoilage of frozen food
- Emergency cash allowance
- Accidental breakage of mirrors and fixed glass
Coverage limits and availability vary by policy.
Who Should Consider Home Insurance?
- HDB homeowners seeking coverage beyond basic fire insurance
- Private property owners protecting renovations and contents
- Tenants safeguarding personal belongings and liability risks
- Families wanting broader protection against home-related incidents
Why Arrange Home Insurance Through Us?
- Access to multiple insurers under one agency
- Unbiased comparison of coverage and premiums
- Tailored recommendations based on your home type and needs
- Ongoing support for policy servicing and claims assistance
Important Information
- Coverage, exclusions, limits, and terms differ across insurers.
- This page provides general information only and does not form part of any insurance contract.
- Final benefits are subject to the insurer’s policy wording and approval.
- Eligible policies are protected under Singapore’s Policy Owners’ Protection Scheme, where applicable.
What HDB Fire Insurance Does Not Cover
1. Renovations & Built-in Fixtures
Upgraded flooring, kitchen cabinets, and built-in wardrobes are not covered. HDB fire insurance only reinstates original fittings.
2. Personal Belongings & Valuables
Furniture, appliances, electronics, jewellery, and personal items are excluded from coverage.
3. Temporary Accommodation Costs
If your home becomes unlivable after a fire, basic fire insurance does not pay for alternative housing.
4. Third-Party Liability
Damage to neighbouring units caused by a fire from your home is not covered, leaving you personally liable.
5. Burst Pipes & Water Damage
Losses from water leaks or burst pipes—such as damaged floors, walls, or wiring—are typically not included.
6. Household Appliances
Damage to stoves, ovens, washing machines, or other appliances from kitchen fires is not covered.
7. Repair & Professional Fees
Costs for broken mirrors, fixed glass, and professional services like architects or engineers are excluded.
Frequently Asked Questions (FAQ)
What is Home Insurance?
Home Insurance provides financial protection for your home, renovations, and belongings against unexpected events such as fire, water damage, theft, and other insured risks.
Is Home Insurance mandatory in Singapore?
Home Insurance is not compulsory. However, it is strongly recommended, especially since basic fire insurance does not cover renovations or household contents.
Does Home Insurance cover tenants?
Yes. Tenants can insure their personal belongings and enjoy personal liability coverage even if they do not own the property.
Are renovations included in Home Insurance?
Yes. Built-in fixtures, flooring, cabinets, and other renovations are typically covered under the renovation section, up to the selected sum insured.
Are valuables covered?
Valuables are usually covered but subject to per-item and total policy limits. Higher coverage may require additional declaration.
Does Home Insurance cover domestic helpers?
Some plans provide coverage for loss or damage to a domestic helper’s belongings and may include liability or accident-related benefits.
What is personal liability coverage?
Personal liability coverage protects you if you are legally liable for accidental injury or property damage to a third party, locally or overseas.
What is Emergency Home Assistance?
It provides 24-hour help for urgent home issues such as plumbing leaks, electrical failures, locksmith needs, and pest problems.
How do I decide how much coverage I need?
Coverage depends on the value of your renovations, household contents, and lifestyle risks. Proper assessment helps avoid under-insurance.
How do I make a claim?
Notify your insurer or intermediary promptly, document the loss with photos, and submit the required documents. Claims are subject to policy terms.
Request a Personalized Insurance Quote
We provide tailored insurance solutions designed around your specific protection needs. Our quotations are transparent, competitive, and structured with no hidden charges.
- Customized Coverage
- Competitive Premiums
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