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Home Insurance

For HDB Flat Owners

3 reasons why Home Insurance is essential

Comprehensive coverage for your biggest investment

In general, basic HDB fire insurance covers only your unit's building structure; in the original state it was built, but not your home contents. Home insurance not only covers the building, but also the contents within your home – your household contents, valuables and renovated items – against insured perils such as fire, burst water pipes and break-ins.

Cover for personal liability against third parties

If a fire breaks out in your home and spreads to your neighbor(s) home, you are legally required to pay for the damage caused to your neighbor(s) home as well. Comprehensive home insurance can alleviate your financial stress as it builds on your basic HDB fire insurance and covers you and your immediate family’s legal obligation towards your neighbor(s).

Dedicated support when you need it the most

We understand that experiencing a loss, however big or small, can be a devastating experience. In the unfortunate event of a fire for example, we empathize with your anxiety and worries, and would normally send our loss adjustor on-site to assist you in the claims process. This includes salvaging items that were not damaged, assisting with making arrangements for temporary accommodation, and facilitating in the process of itemizing the list of damaged items for claims submission.

New Enhanced Benefit

We are enhancing our coverage effective 1 May 2018.
Please click here for more details.

Protect your building, home contents and family

When you buy a flat, you are investing in your family’s future. Let us help you protect your largest asset with our Enhanced Public Housing Contents Insurance (EPHCI) or Public Housing Protection Plan (PHPP) plans. These plans build on your HDB Fire Insurance, adding coverage for your renovated items, furniture, valuables, and even personal liability for you and your immediate family.

The cost of repairing your home and replacing the contents within your home can be substantial. We have paid claims as large as S$95,000 for damage caused by an electrical fire. With its affordable premiums, AIG's home insurance is a sensible way to safeguard your most valuable asset.

AIG's home insurance plans cover:

  • Renovated items, fixtures and fittings
  • Furniture, personal effects and valuables
  • Temporary accommodation
  • Personal accident
  • Personal liability

Key benefits

Household contents cover

Protect your home and its contents, including your belongings, valuables and renovated items, against insured perils.

Temporary accommodation

Get help with expenses for alternative accommodation if your home is too damaged to live in.

Comprehensive, flexible cover

With PHPP, get comprehensive cover including lock and key, medical expenses and option for extra home contents cover.

Five-year plan available 

With EPHCI, you'll save when you choose a five-year policy term to match your HDB Fire Insurance, with the option to pay by monthly credit card instalments.

Continuous coverage with GIRO 

Sign up for GIRO billing with the convenience of auto-renewal, so your home is always protected.

What is covered?

Enhanced Public Housing Contents Insurance (EPHCI)

Public Housing Protection Plan (PHPP)

Total sum insured

Up to S$633,200   

Over S$680,000

Annual premium
(includes 7% GST)

S$70.62

S$54.00

Benefits

(New) Bill Relief Protector
Covers your utilities bill in unforeseen events including retrenchments

Up to S$1,200

Up to S$1,200

Household contents

Up to S$150,000

Up to S$20,000

Building

Three-room – Up to S$42,000
Studio apt. – S$37,500
Two-room – S$26,500
One-room – S$19,500

Up to S$100,000

Personal liability
For you and your immediate family.

Up to S$400,000
within insured risk location

Up to S$500,000
worldwide

Personal accident
For you and your spouse aged 65 years and below.

Up to S$20,000

Up to S$30,000 each

Alternative accommodation
If your home becomes uninhabitable due to insured perils.

Up to S$20,000

Up to S$3,000

Household contents at temporary premises

-

Up to S$3,000

Replacement of locks and keys

-

Up to S$250

Medical expenses
For you and your spouse aged 65 years and below.

-

Up to S$1,000 each

(Optional) Add additional household contents cover

-

Increase per S$10,000 sum insured, up to S$100,000

Enhanced Public Housing Contents Insurance (EPHCI)

Public Housing Protection Plan (PHPP)

Total sum insured

Up to S$660,700

Over S$680,000

Annual premium
(includes 7% GST)

S$70.62

S$81.00

Benefits

(New) Bill Relief Protector
Covers your utilities bill in unforeseen events including retrenchments

Up to S$1,200

Up to S$1,200

Household contents

Up to S$150,000

Up to S$30,000

Building

Up to S$69,500

Up to S$150,000

Personal liability
For you and your immediate family.

Up to S$400,000
within insured risk location

Up to S$500,000
worldwide

Personal accident
For you and your spouse aged 65 years and below.

Up to S$20,000

Up to S$30,000 each

Alternative accommodation
If your home becomes uninhabitable due to insured perils.

Up to S$20,000

Up to S$4,500

Household contents at temporary premises

-

Up to S$4,500

Replacement of locks and keys

-

Up to S$250

Medical expenses
For you and your spouse aged 65 years and below.

-

Up to S$1,000 each

(Optional) Add additional household contents cover

-

Increase per S$10,000 sum insured, up to S$100,000

Enhanced Public Housing Contents Insurance (EPHCI)

Public Housing Protection Plan (PHPP)

Total sum insured

Up to S$667,200

Over S$680,000

Annual premium
(includes 7% GST)

S$70.62

S$107.00

Benefits

(New) Bill Relief Protector
Covers your utilities bill in unforeseen events including retrenchments

Up to S$1,200

Up to S$1,200

Household contents

 

Up to S$150,000

Up to S$40,000

Building

 

Up to S$76,000

Up to S$200,000

Personal liability
For you and your immediate family.

Up to S$400,000
within insured risk location

Up to S$500,000
worldwide

Personal accident
For you and your spouse aged 65 years and below.

Up to S$20,000

Up to S$30,000 each

Alternative accommodation
If your home becomes uninhabitable due to insured perils.

Up to S$20,000

Up to S$6,000

Household contents at temporary premises

-

Up to S$6,000

Replacement of locks and keys

-

Up to S$250

Medical expenses
For you and your spouse aged 65 years and below.

-

Up to S$1,000 each

(Optional) Add additional household contents cover

-

Increase per S$10,000 sum insured, up to S$100,000

Enhanced Public Housing Contents Insurance (EPHCI)

Public Housing Protection Plan (PHPP)

Total sum insured

Up to S$691,200

Over S$680,000

Annual premium
(includes 7% GST)

S$70.62

S$134.00

Benefits

(New) Bill Relief Protector
Covers your utilities bill in unforeseen events including retrenchments

Up to S$1,200

Up to S$1,200

Household contents

Up to S$150,000

Up to S$50,000

Building

Up to S$100,000

Up to S$250,000

Personal liability
For you and your immediate family.

Up to S$400,000
within insured risk location

Up to S$500,000
worldwide

Personal accident
For you and your spouse aged 65 years and below.

Up to S$20,000

Up to S$30,000 each

Alternative accommodation
If your home becomes uninhabitable due to insured perils.

 

Up to S$20,000

Up to S$7,500

Household contents at temporary premises

-

Up to S$7,500

Replacement of locks and keys

-

Up to S$250

Medical expenses
For you and your spouse aged 65 years and below.

-

Up to S$1,000 each

(Optional) Add additional household contents cover

-

Increase per S$10,000 sum insured, up to S$100,000

Learn more about Home Insurance for HDB owners offerings

 

Extend your coverage

Additional household contents cover – With PHPP, you can increase your household content cover to up to S$100,000 for an additional S$26.75 annual premium per S$10,000 increase.

 

Before you buy

Who it is for

EPHCI and PHPP cover HDB flats only.

To insure a private property, consider our Homes Advantage plans or Premier Client Solutions.

Buy online

Support

Call us

Enquiries: 6419 3000

Enquire Online

Send an enquiry

Claims

Make a claim

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Homes Complete

Home contents only – basic cover if you rent your property or do not require building cover. Learn more

Homes Advantage

Higher, more flexible building and contents cover to meet your needs. Learn more