Home Assure HT

Protect your home contents from the unexpected.

As much as Fluffy is a joy to be around, he can sometimes get too playful and accidentally damage your home furniture or equipment. You can avoid such situations by protecting your home contents together with your beloved pet.

As our valued Happy Tails customer, we’ve specially crafted specific benefit extensions just for you, to cover your home contents against accidental damages by your pet.

Loss of or damage to contents due to accidents caused by your pet

[Benefit extension¹ exclusive for Happy Tails policyholders]

Up to $5,000 (overall limit per policy year)

$500 sub-limit for each item, set or pair.

There will be 50% co-payment for each and every claim.
Loss of or damage to contents

Up to $100,000 (Overall section limit).

Sub-limit for each content item varies
Loss of or damage to renovations

Up to $150,000 for loss of or damage to renovations.
Coverage for accidents at home

Up to $50,000 (Overall section limit) for family personal accident.

Sub-limit: $20,000 for each adult and $10,000 for each child
Other benefits offered under Home Assure

Up to $10,000 damages covered.

• Up to $8,500 for removal of debris

• Up to $500 for replacing locks and keys

• Up to $500 or loss of or damage to contents belonging to your domestic helper

• Up to $500 for deterioration of food in refrigerator
Worldwide Liability for your family

Up to $500,000 worldwide legal liability coverage.

Your coverage at a glance.

Section	Benefit	Maximum benefit limit per policy year	Applicable Excess (Amount you are responsible for)
1	Loss of or damage to renovations	Overall section limit: $150,000	The first $100 for every loss or damage caused by the following. Water tanks, apparatus or pipes bursting. Hurricane, cyclone, typhoon, windstorm, earthquake or volcanic eruption.
2	Loss of or damage to contents Type of contents	Overall section limit: $100,000 Sub-limit:
	Legal documents	$500 in total
	Mobile phones	$500 for each item or set and $1,500 in total
	Bicycles	$1,000 in total
	Money	$1,000 in total
	Laptop, desktop and tablet computer	$1,500 for each item or set and $5,000 in total
	Valuables	5% of the overall section limit under section 2 for each item, set or pair and up to one-third of the overall section limit under section 2 in total
	All other contents	15% of the overall section limit under section 2 for each item or set
3	Removing of debris	$8,500	Does not apply
4	Loss of or damage to contents belonging to your domestic helper	$500	Does not apply
5	Replacing locks and keys	$500	Does not apply
6	Deterioration of food in the refrigerator	$500	The first $50 for every loss or damage
7	Family personal accident	Overall section limit: $50,000	Does not apply
	1. Adult aged 21 but under 70 years old	Sub-limit: $20,000 for each adult
	2. Child aged from 30 days to 21 years old	Sub-limit: $10,000 for each child
	Scale of compensation	Percentage of benefit limit	Does not apply
	a. Accidental death	100%
	b. Permanent total disability	100%
	c. Loss of sight in both eyes	100%
	d. Loss of two or more limbs	100%
	e. Loss of sight in one eye	50%
	f. Loss of one limb	50%
	g. Loss of speech	50%
	h. Loss of hearing in both ears	50%
	The total of all percentages due under this section will not be more than 100% for each person within every 12-month period of the policy
8	Family worldwide liability	$500,000	Does not apply

For more details on the plan, please refer to the full policy terms, conditions and exclusions.

Read up on our FAQs below.

Q1. Can I take up the Home Assure policy if my pet is not insured under a Happy Tails pet insurance policy?

A1. No, you may only take up the Home Assure policy if your pet is insured under a Happy Tails pet insurance policy.

Q2. I’m cancelling my Happy Tails pet insurance policy. What happens to my Home Assure policy?

A2. When you cancel your Happy Tails pet insurance policy, your Home Assure policy still remains in-force unless you inform us to cancel it. However, if you do not have a pet anymore, you will not enjoy the benefit extensions for accidental pet damage.

Q3. Is the loss of or damage to valuables such as antiques or jewellery covered?

A3. Loss of or damage to valuables are covered under contents cover up to the sub-limit as stated in the table of cover. The sub-limit for each item, set or pair is 5% of the overall section limit under contents cover and up to one-third of the overall section limit under contents cover in total.

However, loss or damage of valuables caused by your pet are not covered.

Q4. If my pet accidentally damages my sofa which costs $12,000 to replace, what is the amount which I am able to claim under this policy?

A4. Your claimable amount is $500.

50% co-payment due to accidental pet damage = 50% x $12,000 = $6,000

Claimable amount = $500 (due to sub-limit per item for accidental pet damage)

Q5. If I move to a new home, do I have to cancel my current policy and take up a new policy?

A5. No, you do not have to cancel your existing policy. Instead, you can request for us to change your existing policy to cover your new premises.

Important Notes

¹ This extension is only valid if your pet is living with you at your premises. This extension does not cover claims directly or indirectly arising from the loss or damage of valuables caused by your pet.

Information is correct as at 23 April 2021.

Terms & Conditions

This is for general information only.

You can find the usual terms, conditions and exclusions of this plan in the policy conditions.

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 Income or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).