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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

AIG Home Insurance for the -'Home Safe Home'- you have in mind

Our homes are where we and our loved ones can stay safe. You can easily prevent common home accidents with these Home Safety Tips.

For total peace of mind, get your housing contents covered with Enhanced Public Housing Contents Insurance (EPHCI) from AIG. Make it a -‘Home Safe Home’- today.

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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?

 

Enhaned Public Housing Contents Insurance (EPHCI)

Basic cover for your home contents and renovations.

Public Housing Protection Plan (PHPP)

Building and contents cover, with added protection.
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 Singapore		 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 Inurance (EPHCI)

Basic cover for your home contents and renovations.

Public Housing Protection Plan (PHPP) 

Building and contents cover, with added protection.
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 Singapore		 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)

Basic cover for your home contents and renovations.

Public Housing Protection Plan (PHPP)

Building and contents cover, with added protection.
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 Singapore		 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)

Basic cover for your home contents and renovations.

Public Housing Protection Plan (PHPP)

Building and contents cover, with added protection.
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 Singapore		 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 websites (www.AIG.sg or www.gia.org.sg or www.sdic.org.sg).

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.

Buy Online - EPHCI

Buy Online - PHPP

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