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Home insurance for HDB flats

√   High coverage home and contents protection

√   One-price premium, whatever your home size

   Complimentary 24/7 HomeCare Services for everyday emergencies

Enhanced Public Housing Contents Insurance

The only home and contents protection you need

Your home and all your precious belongings within deserve complete protection. HDB fire insurance alone is not enough as it covers only structural damage caused by fire. Complement it with Enhanced Public Housing Contents Insurance (EPHCI), AIG’s high coverage insurance plan that protects your HDB home and contents, in more ways than you can imagine.

Complete protection
for you and your home

  • Renovations and household contents1 (covers damage/loss due to fire, burst water pipes and more)
  • Building2 (complimentary coverage)
  • Personal Liability cover
  • ­Worldwide Personal Accident cover
  • Alternative accommodation
  • Bill relief protector


 24/7 HomeCare Services

Everyday emergencies can happen at any time. You’re covered 24/7, up to S$150 each time, up to thrice yearly (plus we pay directly, so you won’t have to):

  • Locksmith
  • Plumber
  • Electrician
  • ­Pest control professional
  • ­Aircon repair man

One price for all
HDB homes

AIG’s fixed premium means you pay the same affordable price regardless the size of your home, and even when you upsize your HDB home in the future. Enjoy one of the highest coverage around, for just S$6.31/month.



Note: 1 Household Contents refer to your interior decorations, fixtures and fittings installed and not provided by HDB. Your furniture, furnishings, clothing and personal effects belonging to you or your Immediate Family or Domestic Worker permanently residing with you are covered. However, cash and currency notes are excluded from cover. 2 Building refers to your residence and fixtures and fittings provided by HDB, based on current standards and specifications as defined by HDB. The common areas, fixtures and fittings added by you or the previous owner of the building, interior decorations, household furniture and fittings are excluded. The sum insured for building is dependent on the flat type and will vary from S$19,500 per annum for a one-room flat to S$100,000 per annum for an executive apartment. Details are specified in the policy terms and conditions.

Get the all-round protection your home deserves

EPHCI by AIG is designed to comprehensively protect you and your household. It is a straightforward coverage of S$150,000 for a fixed premium of S$75.76, regardless of your HDB home size. Your home and AIG’s EPHCI. You just can’t have one without the other.

Get a quick quote


To get covered under our Enhanced Public Housing Contents Insurance (EPHCI), please select ‘HDB’ in the dropdown below.

EPHCI is for HDB only. If you stay in a private property / Executive Condominium please visit here

I would like to insure a property starting from
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Why do you need AIG’s Enhanced Public Housing Contents Insurance?

With all the care, energy and money you’ve spent on your home and its contents, protecting them is essential. Plus, you never know what could happen.

Source: 3 Singapore Civil Defence Force, Emergency Medical Services, Fire & Enforcement Statistics 2022. 4 Singapore Police Force, Annual Crime Brief 2022

No one can foresee incidents like fires and theft. If these happened in your home, how prepared are you really?

In the case of fires, HDB fire insurance covers only the cost of restoring your home’s structural integrity, not the contents. Have you also considered that if a fire spreads from your home to your neighbours’ homes, you could be liable for damages or injuries, too?

Get the protection you need with AIG’s EPHCI today.
It’s just one of those things every HDB home needs.

How AIG’s home insurance for HDB flats adds to your protection, beyond HDB fire insurance

HDB fire insurance only covers fire damage to the building structure, and HDB fixtures and fittings in your unit. AIG’s EPHCI covers your renovated home and contents not only in the case of fires, but also burst water pipes and other insured perils listed in the policy.

Your home and family

  • Renovation and household contents
  • Accidental death
  • Damage caused by:
    • Fire
    • Theft
    • Burst pipes


  • Complimentary 24/7 HomeCare Services
  • Alternative accommodation
  • ­ Bill relief protector



Your neighbours’ homes

  • Property Damage
  • Accidental Death or injury




With AIG’s Complimentary Building Coverage of up to S$100,000, you can avoid being underinsured should the costs of restoring damaged internal structures, as well as fixtures and fittings provided by HDB in your home exceed what HDB fire insurance covers.

Life happens. When everyday emergencies occur, whether it’s your aircon, plumbing, electricals or more, we’re here for you anytime 24/7. You’re covered for up to S$150 each time, thrice yearly for the following services:







*There will be a waiting period of 1 month from the effective date of your policy before you can utilise this service.

Please refer to the policy wording for more information on full benefits for AIG's EPHCI and HomeCare Services.

Your claims

At AIG, we do what we say we’ll do. Every claim made is important to us and our dedicated team of claims professionals is here to help you get what you need to restore your home and precious belongings. Click here to find out more about how to make a claim and even to check a claim status.

Award-winning service

When fires break out, we proactively contact all AIG home insurance policyholders in the same block to check if they need any assistance in making a claim. Service where it counts is the only true service that matters. And we are honoured to be recognised for it.


What is covered?

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 ( or or

Learn more about Home Insurance for HDB owners offerings


Call us

Enquiries: 6419 3000
24-hour HomeCare services: 6419 3008


Enquire Online

Send an enquiry


Make a claim

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