Home insurance
Contents, renovation and liability cover for HDB flats, condos and landed homes.
- Your belongings against fire, flood, burglary and accidental damage
- Renovations and fixtures you paid for
- Your legal liability if someone is hurt in your home
What's covered
- Your belongings against fire, flood, burglary and accidental damage
- Renovations and fixtures you paid for
- Your legal liability if someone is hurt in your home
- Somewhere to stay if your home cannot be lived in
What's not covered
- Wear and tear, and gradual deterioration
- Losses while the home is left empty for more than 60 days
- Damage by pets or pests
- Business equipment and stock
Every insurer words its exclusions differently. The plan details on the results page show each one.
How comparing home insurance works here
Tell us about your home and roughly what your belongings are worth. We price plans from each insurer on our panel and list them from the lowest premium up.
When you pick a plan, you finish buying on the insurer's own site, with your answers already filled in.
Before you choose
- Contents cover should be enough to replace everything new. Under-insuring can reduce what is paid on every claim.
- Renovation cover pays for fixtures and fittings you added, which HDB fire insurance does not cover.
- Personal liability pays if someone is hurt in your home, or if water from your flat damages a neighbour's.
Questions people ask
Does HDB fire insurance cover my belongings?
No. HDB fire insurance covers the building structure only. Your contents and renovations need home insurance.
I rent. Do I need this?
Your landlord insures the building. Home insurance covers your own belongings and your liability to others.
How do I estimate my contents value?
Walk through each room and add up what it would cost to replace things new. Most HDB households fall under S$60,000.