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Essential and All-risk Home Insurance

  • Protect your home contents and family
  • Find the best plan to suit your needs
  • With complimentary HomeCare Services, for everyday emergencies

Everyone needs different things from their insurance.

Your home isn’t just your biggest investment. It’s also your sanctuary; a place to relax and recharge.

Choose from a suite of home insurance plans designed to suit your needs, so you can rest worry-free.

A full complete cover for all your Home Insurance needs with AIG

Get 24/7 access to services for everyday emergencies covering locksmith, electrical, plumbing, pest control, and air-conditioner repairs. You’re covered for up to S$150 each time, three times a year.

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Home coverage for every need

Protect what matters most with AIG's Home Insurance. With plans designed for every type of Singapore home, whether you live in an HDB flat, a condominium, or a landed property.

Homes Essential (Essential protection for HDB and condominium homes)

Provides you with home contents coverage on insured perils. Fixed affordable premium regardless of the size of your home, even if you upsize your home in the future.

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Homes Advantage (All-risk protection for HDB, condominium and landed homes)

Provides you with all-risk home contents coverage to give you peace of mind in almost any situation. With freedom to choose a ready-made packaged plan or build a custom plan that fits your exact needs.

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Why every Singapore homeowner needs Home Insurance

Your home is likely your most valuable asset.

  • For HDB flat: While owners are required to have basic fire insurance under HDB's mandatory scheme, that coverage is limited to the structure of the flat itself. It does not protect your renovation works, furniture, personal belongings, or valuables.
  • For condominium: Owners have varying levels of structural protection that may be provided through MCST insurance, however this typically covers common areas only; a bank fire insurance policy is also required if a bank loan has been taken.
  • For landed homes: Insurance for landed homes and high-value properties is especially important as the cost to rebuild or repair structural damage can be significant, and standard policies may not cover all risks*.

*Subject to policy terms and conditions

DID YOU KNOW

In 2025, there were more than 2 fire incidents every day in residential buildings3

30% of home fires were caused by unattended cooking, 29% by electrical issues3

 

In 2025, there were 1,500 cases of theft in homes, that's 125 a month or at least 4 every day4

Source: 3 Singapore Civil Defence Force, Emergency Medical Services, Fire & Enforcement Statistics 2025. 4 Singapore Police Force, Annual Crime Brief 2025.

For fine homes, jewellery and valuables

Whether it is your engagement ring or your first luxury watch, look to AIG's Premier Client Solutions for worldwide bespoke coverage for high-value homes, jewellery, art and collectibles. Learn more

Homes Essential is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact AIG Asia Pacific Insurance Pte. Ltd. or visit the AIG, GIA or SDIC websites (www.aig.sg or www.gia.org.sg or www.sdic.org.sg). 

The statement below applies to individual policyholders only:

Homes Advantage Package and Homes Complete are protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (“SDIC”). Coverage for these policies is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact AIG Asia Pacific Insurance Pte. Ltd. or visit the AIG, GIA or SDIC websites (www.aig.sg or www.gia.org.sg or www.sdic.org.sg)

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Customer Reviews

4.5 Stars

"AIG Staff’s product knowledge excellent. Keep up the good work. Many thanks."

CC Nam, August 2025

4.5 Stars

"Online self-service is good and simple enough to use."

Raphael T, September 2025

4.5 Stars

"Competitive pricing and good coverage. Clear policy words and terms."

KH Tan, November 2025

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