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?
Total sum insured |
Up to S$633,200 |
Over S$680,000 |
Annual premium |
S$70.62 |
S$54.00 |
Benefits |
||
(New) Bill Relief Protector |
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 |
Up to S$100,000 |
Personal liability |
Up to S$400,000 |
Up to S$500,000 |
Personal accident |
Up to S$20,000 |
Up to S$30,000 each |
Alternative accommodation |
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 |
- |
Up to S$1,000 each |
(Optional) Add additional household contents cover |
- |
Increase per S$10,000 sum insured, up to S$100,000 |
Total sum insured |
Up to S$660,700 |
Over S$680,000 |
Annual premium |
S$70.62 |
S$81.00 |
Benefits |
||
(New) Bill Relief Protector |
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 |
Up to S$400,000 |
Up to S$500,000 |
Personal accident |
Up to S$20,000 |
Up to S$30,000 each |
Alternative accommodation |
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 |
- |
Up to S$1,000 each |
(Optional) Add additional household contents cover |
- |
Increase per S$10,000 sum insured, up to S$100,000 |
Total sum insured |
Up to S$667,200 |
Over S$680,000 |
Annual premium |
S$70.62 |
S$107.00 |
Benefits |
||
(New) Bill Relief Protector |
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 |
Up to S$400,000 |
Up to S$500,000 |
Personal accident |
Up to S$20,000 |
Up to S$30,000 each |
Alternative accommodation |
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 |
- |
Up to S$1,000 each |
(Optional) Add additional household contents cover |
- |
Increase per S$10,000 sum insured, up to S$100,000 |
Total sum insured |
Up to S$691,200 |
Over S$680,000 |
Annual premium |
S$70.62 |
S$134.00 |
Benefits |
||
(New) Bill Relief Protector |
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 |
Up to S$400,000 |
Up to S$500,000 |
Personal accident |
Up to S$20,000 |
Up to S$30,000 each |
Alternative accommodation
|
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 |
- |
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.
Support
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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