Enhanced Home Insurance

Enhanced Home Insurance

Protect your home contents, renovations and building against unforeseen events such as fire, theft or flood damages.

Coverage for HDB Homes and Private Homes

HDB Homes - Comprehensive plan (homeowners only)

Coverage and plan type Maximum benefit limit
3-Room 4-Room 5-Room Exec/HUDC
Building/renovations $100,000 $150,000 $200,000 $300,000
Contents $20,000 $32,000 $45,000 $52,000

HDB Homes - Standard plan (homeowners and tenants)

Coverage and plan type Maximum benefit limit
3-Room 4-Room 5-Room Exec/HUDC
Renovations $30,000 $45,000 $55,000 $70,000
Contents $22,500 $32,500 $40,000 $50,000

Additional Benefits

Benefits Maximum compensation
Professional fees 10% of total benefit limit of building/renovations cover
Removal of debris 5% of the total benefit limit of building/renovations and contents cover
Temporary cover for new improvements 10% of the total benefit limit of building/renovations cover
Loss of rental income and extra hotel expenses
Extra hotel expenses
Overall section limit: 10% of the total benefit limit of building/renovations and contents cover
Sub-limit: Up to $350 a day
Conservancy charges $1,000
Accidental breakage of mirrors and fixed glass $1,000
Loss of or damage to contents while being temporarily removed from the premises Overall section limit: 15% of the total benefit limit of contents cover
Sub-limit: $500 for each item
Loss of or damage to contents belonging to your domestic helper $500
Replacing locks and keys $500
Deterioration of food in the refrigerator $500
Unauthorised transactions on your stolen ATM or credit card $1,000

Family personal accident

  1. Adults between 21 and 70 years old
  2. Children between 30 days to 21 years old

Overall section limit: $50,000
Sub-limit: $20,000 for each adult
Sub-limit: $10,000 for each child

Medical expenses for injury due to an insured event $1000
Family worldwide liability $500,000
Loss of domestic pet $500
Emergency cash allowance $500
Stress payment $300

This page is for general information only. You can find the usual terms and conditions of this plan in the policy conditions.

Private Homes - Comprehensive plan (homeowners only)

Coverage and plan type Maximum benefit limit
Plan 1 Plan 2 Plan 3 Plan 4
Building $275,000 $350,000 $600,000 $1,000,000
Renovations $60,000 $125,000 $150,000 $300,000
Contents $50,000 $75,000 $100,000 $150,000

Private Homes - Standard plan (homeowners and tenants)

Coverage and plan type Maximum benefit limit
Plan 1 Plan 2 Plan 3 Plan 4
Renovations $75,000 $125,000 $165,000 $300,000
Contents $55,000 $75,000 $100,000 $150,000

Additional Benefits

Benefits Maximum compensation
Professional fees 10% of total benefit limit of building/renovations cover
Removal of debris 5% of the total benefit limit of building/renovations and contents cover
Temporary cover for new improvements 10% of the total benefit limit of building/renovations cover
Loss of rental income and extra hotel expenses
Extra hotel expenses
Overall section limit: 10% of the total benefit limit of building/renovations and contents cover
Sub-limit: Up to $350 a day
Conservancy charges $1,000
Accidental breakage of mirrors and fixed glass $1,000
Loss of or damage to contents while being temporarily removed from the premises Overall section limit: 15% of the total benefit limit of contents cover
Sub-limit: $500 for each item
Loss of or damage to contents belonging to your domestic helper $500
Replacing locks and keys $500
Deterioration of food in the refrigerator $500
Unauthorised transactions on your stolen ATM or credit card $1,000

Family personal accident

  1. Adults between 21 and 70 years old
  2. Children between 30 days to 21 years old

Overall section limit: $50,000
Sub-limit: $20,000 for each adult
Sub-limit: $10,000 for each child

Medical expenses for injury due to an insured event $1000
Family worldwide liability $500,000
Loss of domestic pet $500
Emergency cash allowance $500
Stress payment $300

This page is for general information only. You can find the usual terms and conditions of this plan in the policy conditions.