In Singapore, our home is our greatest asset and biggest investment whether you own an apartment, condominium, landed property or HDB flat. Without ensuring adequate cover for our homes and families, we are highly vulnerable against the unpredictability of possible accidents as well as the catastrophic effects of fire, theft, explosion and other natural disasters. Anyone who owns a home of their own, or who would like to protect their furniture and valuable personal effects must therefore subscribe to home insurance protection to defend against the possibility of huge financial losses and emotional stress. We have served thousands of happy customers across Singapore. We advise on Home Insurance requirements, recommend best benefits and offer exceptional claim service. We cover liability to third parties, medical expenses, lost rent and expenses incurred due to alternative accommodation in the event of fire or theft. icon-quote-left Our plans are catered to suit all home dwellers including HDBs, condominiums or landed apartments. icon-quote-right
The prepackaged Home Insurance plans come with lots of benefits to give you peace of mind to allow you to concentrate on more important aspects of your life without worrying about your house and health:icon-check-circleInsurance for your household contents including fixtures, fittings and furniture. We extend our coverage to your immediate family as well as damages sustained on your home security system due to violent or forcible entry.icon-check-circleIn the event that your house becomes inhabitable, we will take care of the resulting costs due to alternative accommodation for 3 months after the accident. We also cover all conservancy charges during the period.icon-check-circleExtended worldwide personal liability to you and your immediate families including damages to third parties in the event of their destroyed property or personal harm in Singapore.icon-check-circleFlexible policy management that allows you to increase or decrease your benefits.icon-check-circleRest assured of complete identity theft protection arising from fraud. We will cover ATM assault monetary loss, legal charges, lost wages and all accidental costs encountered during such incidents.icon-check-circleFree complete personal accident coverage for you and your spouse 24/7icon-check-circleExceptional coverage to other contingencies including Personal Accident benefits.icon-check-circleYou can also get in touch with us to add additional features according to your Home Insurance needs.
We always do our best to indemnify our policy holders whenever they are hit by an accident. However, our pre-packaged Home Insurance plans exclude certain catastrophes and uninsurable risks: icon-times-circle Loss or damages to a HDB flat where you are legally bound to keep them good at your own costs. icon-times-circle Loss of property due to government confiscation. icon-times-circle Consequential losses not related to loss of rent. icon-times-circle Damage and losses to the building as a result of: hurricane, cyclone, windstorm and typhoon. icon-times-circle Property losses associated with subsidence and landslides. icon-times-circle Flood damages not covered under the policy. icon-times-circle Loss and damages to motor vehicles, watercrafts and associated accessories. icon-times-circle Damages to pets and livestock and property held for business purposes. icon-times-circle Medals, personal documents, manuscripts, coins and stamps. icon-times-circle Title deeds, bonds, bills of exchange, cheques, money securities, cash and promissory notes.
Our home owners’ claims procedure is fast and straight forward. The following procedure should be followed in case of an incident requiring a claim: icon-microphoneReport the case to us and the police if there is theft, injury to third party or property.icon-hand-o-right Take necessary measures to reduce the damage – always call relevant emergency agencies (e.g. fire fighters) to mitigate the loss especially during a fire or theft.icon-pencil-square-oRecord the details of the damages by taking color photos and keep damaged property until our experienced staff arrives at the scene.icon-list-olFor incidents involving third parties, record their details such as phone and addresses as well as any witnesses on the sceneicon-paperclipDon’t accept liability or private settlement. Send the duly completed claim form with all details including original receipts of damaged property, invoices (e.g. in case of alternative accommodation or medical bills) to us. For damaged property, send repair quotes/invoices or replacement receipts. Include a police report where necessary.
icon-question-circleWHICH ITEMS ARE INSURED UNDER THE IDENTITY DOCUMENTS?icon-comments-oIn our Home Insurance packages, identity documents include your identity card (ID), passport, immigration documents, employment permits, birth documents, driving license and all other identity documents issued by the government of Singapore for identification purposes.icon-question-circleI HAVE MOVED TO A CONDOMINIUM FROM A HDB FLAT, WILL MY POLICY PREMIUMS INCREASE?icon-comments-oNo. Our plans are prepackaged and the house premiums are totally fixed irrespective of the house type that you live in.icon-question-circleIF I MOVE TO A NEW HOUSE BEFORE THE POLICY PERIOD ENDS, WHAT WILL HAPPEN TO MY HOME INSURANCE?icon-comments-oIf you move to a new house during the Home Insurance policy, you should inform us in writing in order for us to amend your policy accordingly. In this case, we will change your risk location and update the address details on your policy schedule to ensure you are covered. In addition, you may contact our friendly consultants if you are unsure about the details to include on your writing. icon-question-circle HOW DO I DETERMINE THE VALUE OF MY BUILDING AND PERSONAL PRIVATE PROPERTIES?icon-comments-oWe will provide you with a general guide that will help you to determine the replacement costs of your properties. In addition, our consultants who are well versed in the HDB Fire Insurance industry can obtain a property valuation for an accurate figure on your request.
You have all reasons to hire our consultants. We boast of 10 years experience in the Home Insurance industry. Rest assured of the from our highly trained staff that reviews your portfolio at no obligation. Our services includes delivering 3 quotes from 15 best insurers in Singapore. We are a phone call away for your convenience. For subsequent review, renewals and claims, our experts offer the most exceptional service at your request.
We work hand in hand closely with experts from Singapore’s well established insurers including: icon-star AVIVA Ltd icon-starAXA Insurance Singapore Pte Ltd icon-starAIG Asia Pacific Insurance Pte Ltd icon-starChina Taiping Insurance (Singapore) Pte Ltd icon-starEQ Insurance Company Ltd icon-starLiberty Insurance Pte Ltd icon-starMSIG Insurance (Singapore) Pte Ltd icon-starNTUC Income icon-starOverseas Assurance Corporation (OAC) icon-starQBE Insurance (International) Limited icon-starRSA – Royal & Sun Alliance Insurance Plc icon-starTokio Marine Insurance Singapore Ltd.
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