Home or Personal Property Insurance

Overview

Your home is probably one of your biggest and proudest investments. You would probably have spent time, effort and money on renovations and possess valuables that are priceless to you.

Our home insurance plan is a flexible plan, catering to owners of any condominium, landed private property and HDB apartments.

There are 8 standard plans to choose from, with the added flexibility to increase the sum insured if you feel that your existing coverage may be insufficient. Choose between a convenient standard plans or customise the specific coverage that you require. 

Key Benefits

 ·  Alternative Accommodation

We cover additional expenses for either alternative accommodation or loss of rent if your property is uninhabitable.

·  Home Quarantine Order

We pay up to S$1,400 if you are required to be home quarantined.

·  Personal/ Family Third Party Liability

We cover for accidental bodily injury or property damage to a third party not only within your home premises, but extended to the whole of Singapore and anywhere in the world (except USA and Canada).

·  Worldwide Personal Accident

We will pay for the Accidental Death of you, your spouse and child(ren) due to mishap at home or at worldwide.

·  Pedigree Pet Cover

We cover for the accidental death or theft of your pedigree pets in Singapore.

FAQ

How do I know how much to insure my property?

For buildings cover, our basis of settlement shall be the cost of reinstatement of the building destroyed or damaged. Sum insured should be at all times be maintained at no less than the full cost of replacement without depreciation for wear and tear. 

If I have a HDB policy, do I need to buy separate home insurance coverage?

Your HDB fire policy covers for the building structure only. You may consider taking up cover for your renovation, fittings and its contents, if you require more comprehensive coverage.

I am a tenant. What coverage can I take up?

As a tenant, you can take up insurance for your own belongings in the house.

What are the consequences of under-insurance?

At the time of the loss, if the sum insured is lower than 85% for Building and/or Renovation / Improvements and the sum insured is less than 100% for Contents and/or Valuables, the amount payable for such claim shall be proportionately reduced.

Can I choose to cover Worldwide Personal & Family Liability and Family Worldwide Accidental Protection only?

You will not be able to do so as the Worldwide Personal & Family Liability and Family Worldwide Accidental Protection coverage is already included in the home insurance policy. 

Can I choose to cover valuable items such as jewellery and antiques under the policy?

Yes. Please provide a list of articles and the respective sum insured for our review. Total value should not exceed 50% of the contents sum insured.

I have purchased some new items, how do I arrange for them to be covered?

Contact us and we will arrange for cover with payment of additional premium.

How to insure items of sentimental values?

There is no fixed value to sentimental items. You may get it valued and insured based on this valuation.

Are bicycles parked and locked outside of the house covered?

Bicycles parked outside of the house, even if they are locked are not covered.