AIG HOME INSURANCE
A COMPLETE COVER FOR YOUR HOME.
Now with 5 complimentary services for everyday emergencies.
Receive up to S$150 worth of repair services, thrice a year
for any of these complimentary HomeCare Services, for everyday emergencies:
Get 24/7 access to reliable locksmith, electrical assistance, plumbing, pest control and air-conditioner repair services with AIG Home Insurance.
Build the protection you need for your home and its contents
Your home protection needs are as unique as your property. AIG's Homes Advantage Package plan lets you tailor coverage for your home and belongings, protecting everything from the walls and windows to furniture and valuables.
Why buy home insurance?
Your home is much more than just four walls and a ceiling. If you have a mortgage on your property, you probably already have fire insurance. In general, basic fire insurance covers your property's physical structure. It usually does not cover the things that make it your home – your belongings, valuables and any improvements you might have made.
A home insurance plan helps to protect not only the structure but also the contents of your home, against unexpected events like a flood, fire or theft.
With its affordable premiums, AIG's home insurance is a sensible way to safeguard your biggest asset.
AIG's home insurance plans include cover for:
- Building, renovated items, fixtures and fittings
- Contents, furniture and clothing
- Personal belongings and valuables
- Worldwide personal effects and identity fraud
- Personal and tenant 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.
Key benefits
All-risk cover for contents |
Be protected in nearly any situation. Your home contents are covered for all risks.* |
First loss protection |
With Homes Advantage Package, select the coverage that best suits your needs and we will pay up to the sum insured.* |
Worldwide personal liability cover |
You and your family are protected with personal liability cover of up to S$1,000,000 anywhere in the world. |
Alternative accommodation |
If your home becomes uninhabitable, we will cover expenses for temporary accommodation, and even loss of rent if you are a landlord. |
*Subject to policy terms and conditions
What is covered?
Homes Advantage PackageComplete package with option to add extra building and contents cover. |
|||
| Classic | Superior | Premier | |
| Annual premium (includes 7% GST) |
S$199.82 | S$285.42 | S$394.56 |
| Benefits summary | |||
| Building cover Loss or damage to the building. |
Up to S$85,000 | Up to S$135,000 | Up to S$225,000 |
| - Loss of rent If your home is made uninhabitable due to an insured peril. |
Up to 20% of building sum insured | ||
| - Landlord’s legal liability Liability as a landlord to your tenants, due to accidental injury or property damage in your property. |
S$1,000,000 | ||
Homes Advantage PackageComplete package with option to add extra building and contents cover. |
|||
| Classic | Superior | Premier | |
| Annual premium (includes 7% GST) |
S$199.82 | S$285.42 | S$394.56 |
| Benefits | |||
| Home contents All-risks cover for your home contents, including furniture, clothing, personal belongings and valuables. |
Up to S$20,000 | Up to S$35,000 | Up to S$50,000 |
| - Household contents in commercial storage | Up to 20% of contents sum insured, or S$50,000, whichever is lower (excess applies) |
||
| - Home security system damaged due to theft | Up to S$1,000 | ||
| - Locks and keys damaged due to theft or robbery | Up to S$500 | ||
| - Loss of personal cash | Up to S$500 | ||
| - Frozen food spoilage | Up to S$250 per occurrence (excess of S$50 applies) | ||
| - Fire-fighting appliances If used or destroyed in a fire. |
Up to S$500 | ||
Homes Advantage PackageComplete package with option to add extra building and contents cover. |
|||
| Classic | Superior | Premier | |
| Annual premium (includes 7% GST) |
S$199.82 | S$285.42 | S$394.56 |
| Benefits | |||
| Worldwide personal effects | Up to S$2,000 | Up to S$2,000 | Up to S$2,000 |
| - Medical expenses due to theft or robbery | Up to S$1,000 per occurrence | Up to S$1,000 per occurrence | Up to S$1,000 per occurrence |
| - ATM assault | Up to S$1,000 per occurrence | Up to S$1,000 per occurrence | Up to S$1,000 per occurrence |
| Worldwide personal liability | Up to S$1,000,000 | ||
| Alternative accommodation If your home is made uninhabitable due to insured perils. |
Up to 10% of the building sum insured, 20% of the contents sum insured, or S$20,000 (whichever is lowest) | ||
Homes Advantage PackageComplete package with option to add extra building and contents cover. |
|||
| Classic | Superior | Premier | |
| Annual premium (includes 7% GST) |
S$199.82 | S$285.42 | S$394.56 |
| Benefits | |||
| Bill Relief Protector Covers your utilities bill in unforeseen events including retrenchments |
Up to S$3,000 | Up to S$3,000 | Up to S$3,000 |
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).
Learn more about Home Insurance for Private Property owners offerings
Extend your coverage
Benefit |
Premium Includes 7% GST |
Additional building cover – up to S$500,000 |
S$11.77 for every S$20,000 sum insured |
Additional home contents cover – up to S$100,000 |
S$37.45 for every S$10,000 sum insured |
Benefit |
Coverage
|
Premium |
| Worldwide Identity Fraud Cover | ||
| Monetary loss from identity fraud anywhere in the world. | Up to S$10,000 |
|
| Legal fees, lost wages or other incidental costs you incur in Singapore to resolve identity fraud issues up to S$10,000. | Up to S$20,000 |
|
| Multi-Appliance Extended Warranty | ||
| Kitchen products such as microwave oven, refrigerator, cooker hood and hob. | Up to S$2,000 | S$149.80 |
| Home products such as washer, dryer, television, audio equipment and air-conditioner. | Up to S$2,000 | S$304.95 |
| Bicycle Cover | ||
| For loss or damage to one bicycle due to theft outside your home. | Up to S$1,000 | S$26.75 |
| Tenant's Liability | ||
| Covers tenant's legal liability to the landlord. | Up to S$100,000 | S$53.50 |
Before you buy
Who it is for
Homes Advantage Package is suitable for owners of condominiums or landed homes, as well as for HDB flat owners who want a higher level of cover.