Peace of mind when you protect your safe haven and prized possessions.
All-risks coverage for your building, renovation works, and home contents against any losses and damages that arise from accidents, unless specifically excluded.
Protection for your personal belongings even if you carry them outside your home, with our optional Worldwide Personal Belongings coverage.
Coverage for your precious possessions of high value up to their full value, with the optional Specific Items Covered at Full Value benefit.
Complimentary 24/7 Emergency Home Assistance Service for home emergencies: plumbing, electrician, locksmith, pest control and air-conditioner repair services.
Up to $2,000,000 coverage under Family Worldwide Liability benefit for peace of mind, for example if a fire from your premises spreads to your neighbours and you are liable for it.
For a more detailed look at what you are covered for, you may view the full coverage information here.
Peace of mind during home emergencies with our complimentary 24/7 Emergency Home Assistance Service
You will never know when a pipe might get choked or the day that you get locked out of your home due to an auto-lock malfunction. Such home emergencies can be quite an inconvenience, and we want to help you solve these problems within the shortest time possible.
Our plan offers you the benefit of a 24/7 hotline to assist you in the event of home emergencies. Learn more at www.income.com.sg/home-ultimate-protect-eha.
- Building means the following:
For Housing Development Board (HDB) flats, condominiums, apartments or cluster houses, it will include the building structure (but not the foundations), fixtures and fittings based on HDB’s or the property developer’s standard specifications. This means we will not cover areas you do not own or which are not provided just for your use. For example, this can include shared areas such as corridors, car parks, stairways, lift lobbies and swimming pools.
For landed properties such as bungalows, semi-detached and terrace houses, it will include the building structure (but not the foundations), garages, outbuildings, swimming pools, terraces, footpaths, driveways, gardens, gates, fences and other private areas you own and which the public do not have access to.
- Renovations means improvements and additions made within the premises by you or any previous owner or tenant in the form of fixtures and fittings. For example, this could include flooring, built-in wardrobes and kitchen cabinets. They do not form part of the building cover.
- Contents means any physical and movable household items or personal belongings including money, valuables, bicycles, and personal mobility devices, kept within the premises that belong to you or your family members. But it does not include, amongst other items, motor vehicles and watercraft, pets or livestock and items connected with your or your family member’s business, trade or profession. Please refer to the policy contract for the exclusions and the benefit sub-limits for each type of content.
- Personal belongings mean any personal items belonging to you or your family members that is usually worn on or carried by a person in everyday life. This includes watches, jewelry, bags, clothing, cameras etc., but does not include money, stored value cards, vehicles and their accessories, and items used in connection with your or your family member’s business or profession, or which are insured under a separate policy.
All the personal belongings that you may bring out which you wish to insure, and which cost no more than $2,500 each to replace should be covered under the Worldwide Personal Belongings benefit. For items exceeding $2,500, simply specify them to be covered at full value under the Specific Items Covered at Full Value benefit.
- Specific items covered at full value means the personal belongings which are covered either within your premises or worldwide or the contents which are covered within your premises, up to their respective full replacement values, as shown in the schedule.
- Income has arranged for our appointed Emergency Home Assistance provider to assist policyholders with the search for emergency plumbing, electrician, locksmith, pest control and air-conditioner repair services 24/7, subject to policy conditions. This is a complimentary service provided to you. It does not form part of the benefit provided under Home Ultimate Protect’s policy contract. Income reserves the right to amend or discontinue the services at any time at its sole discretion without notice.
- You or your family members respectively must be a resident of or working in Singapore. Otherwise, we will only pay when the above legal responsibility results from your ownership or tenancy of the premise.
There are certain conditions whereby the benefits under the plans will not be payable. You can refer to the policy contract for the precise terms, conditions and exclusions of the plans. The policy contract will be issued when your application is accepted.
This is for general information only. You can find the usual terms and conditions 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).
Information is correct as at 7 March 2023.
Apply for Home Ultimate Protect.
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