Home Insurance

Private Property Owners

New Enhanced Benefit

We are enhancing our coverage effective 1 May 2018.
Please click here for more details.

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 and Homes Advantage custom plan let you tailor coverage for your home and belongings, protecting everything from the walls and windows to furniture and valuables. Opt for the convenience of a complete package, or set your own coverage with a custom plan.

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.*

Name your own coverage

Need greater flexibility? Our custom Homes Advantage plan lets you set your coverage, including for high-value items above S$10,000.

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 Package 

Complete package with option to add extra building and contents cover.

Homes Advantage 

Customisable cover, suitable for high-value items.

  Classic Superior Premier (Custom)
Annual premium
(includes 7% GST)
S$199.82 S$285.42 S$394.56 Contact us or your producer today for a quote
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 Customised sum insured
- 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 Package 

Complete package with option to add extra building and contents cover.

Homes Advantage 

Customisable cover, suitable for high-value items

  Classic Superior Premier (Custom)
Annual premium
(includes 7% GST)
S$199.82 S$285.42 S$394.56 Contact us or your producer today for a quote
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 Customised sum insured
- 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 Package 

Complete package with option to add extra building and contents cover.

Homes Advantage 

Customisable cover, suitable for high-value items.

  Classic Superior Premier (Custom)
Annual premium
(includes 7% GST)
S$199.82 S$285.42 S$394.56 Contact us or your producer today for a quote
Benefits
Worldwide personal effects Up to S$2,000 Up to S$2,000 Up to S$2,000 Optional add-on
- 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 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 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 Package 

Complete package with option to add extra building and contents cover.

Homes Advantage

Customisable cover, suitable for high-value items.

  Classic Superior Premier (Custom)
Annual premium
(includes 7% GST)
S$199.82 S$285.42 S$394.56 Contact us or your producer today for a quote
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 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).

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
  •  Individual – S$37.45
  •  Family – S$64.20
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
  •  Individual – S$80.25
  •  Family – S$128.40
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

Benefit Coverages Premium
Domestic Workers
Covers you against legal liability to your domestic worker due to injuries from injury or disease arising out of employment with you. Up to S$10,000 per domestic worker S$26.75 per individual
Worldwide Personal Effects Cover
Covers loss or damage to personal effects you are carrying or wearing while outside the home or travelling.
  • Individual: Up to S$2,000
  • Proposer and spouse: Up to S$5,000
  • Family: Up to $10,000
  • Customised sum insured
  • Individual – S$29.96
  • Proposer and spouse – S$133.75
  • Family – S$374.50
  • Customised: subject to approval
- Replacement of locks and keys if they are stolen Up to S$500  
- Medical expenses due to theft outside your home Up to S$1,000 per occurrence  
- Loss or damage suffered as a result of ATM assault Up to S$1,000 per occurrence  

Before you buy

Who it is for

Homes Advantage Package and Homes Advantage are suitable for owners of condominiums or landed homes, as well as for HDB flat owners who want a higher level of cover.

Buy Homes Advantage Package Plan


Buy Homes Advantage Plan

Support

Call us

Enquiries: 6419 3000

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