Home Insurance for HDB Flat Owners

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Home Insurance

^{For HDB Flat Owners}

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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.

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?

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Three-room

	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

Four-room

	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

Five-room

	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

Executive/3Gen

	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

^{This policy 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 web-sites (www.AIG.sg or www.gia.org.sg or www.sdic.org.sg).}

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.

Support

Call us

Enquiries: 6419 3000

Current Promotions

3 reasons why Home Insurance is essential

^{Comprehensive coverage for your biggest investment}

^{Cover for personal liability against third parties}

^{Dedicated support when you need it the most}

Protect your building, home contents and family

Key benefits

Household contents cover

Temporary accommodation

Comprehensive, flexible cover

Five-year plan available

Continuous coverage with GIRO

What is covered?

Three-room

Four-room

Five-room

Executive/3Gen

Learn more about Home Insurance for HDB owners offerings

Extend your coverage

Support

Call us

Enquire Online

Claims

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