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Home Insurance in Singapore:

Choose the right coverage for your Home

Home insurance protects your home and belongings from unexpected events like fire, theft, water damage, and natural disasters, giving HDB, condo, and landed property owners peace of mind that what matters most is financially protected.

What is it

Home Insurance

Home Insurance is a type of general insurance that provides coverage for:

  • The structure of your home(building)
  • Renovations and fixtures
  • Household contents and personal belongings
  • Personal liability to third parties

Home insurance policies in Singapore are flexible and can be tailored based on your property type, lifestyle, and risk exposure.

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What's Covered & What's Not

Home Insurance Coverage

Depending on the policy, insured events may include:

Common Events Covered
Fire and Smoke Damage
Damage caused by fire or smoke
Theft and Burglary
Loss or damage from break-ins
Burst Pipes & Water Leakage
Accidental water damage
Floods and Storms
Weather-related incidents
Impact Damage
e.g. fallen trees or objects
Usually Not Covered
Wear & Tear
Gradual deterioration over time
Poor Maintenance
Defects due to lack of upkeep
Intentional Damage
Deliberate damage by occupants
High-Value Items
Unless specifically declared

Policy limits, sub-limits, and exclusions apply. Always review policy wording to understand full coverage.

Importance

Why Home Insurance is Important'

Homeowner enjoying peace of mind
Peace of Mind
Assets protection with financial support
Assets Protection
Liability coverage for homeowners
Liability Coverage
Differences

HDB Fire Insurance vs Home Insurance

HDB Fire Insurance is mandatory for HDB flat owners with outstanding housing loans, but it only covers:

  • The basic structure of the flat
  • Built-in fixtures provided by HDB

It does not cover renovations, contents, or personal liability. A comprehensive Home Insurance policy is required for full protection.

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Who Should Consider

Home Insurance is suitable for:

01
Homeowners
02
Tenants
03
Landlords
04
Mortage Holders
Coverage

What does Home Insurance Covers'

Travel essentials and documents

Coverage varies by insurer and policy, but a typical Home Insurance policy in Singapore may include:

Building and Renovations Ideal for one-off holidays or business trips.
Household Contents Best for frequent travellers throughout the year.
Personal Liability Coverage tailored for parents and children travelling together.
Alternative Accomodation Coverage tailored for parents and children travelling together.
FAQ
Frequently asked questions

Quick answers

A few common questions to reduce back-and-forth.

Coverage varies by insurer, but a typical policy includes:
  • The structure of your home (building)
  • Renovations and fixtures
  • Household contents and personal belongings
  • Personal liability to third parties

Common exclusions may include:
  • Wear and tear or gradual deterioration
  • Poor maintenance or workmanship defects
  • Intentional damage
  • High-value items unless specifically declared

Home insurance is not legally required for most homeowners, but it is strongly recommended. HDB Fire Insurance is mandatory for HDB flat owners with outstanding housing loans and covers only the basic structure and built-in fixtures provided by HDB.

Home insurance is suitable for homeowners (HDB, private condos, landed properties), tenants who want to protect personal belongings, landlords renting out properties, and mortgage holders whose banks require coverage.