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Get up to 56% OFF Singlife Home Insurance with promo code HOME23 from now till 23 Dec 2024.
Singlife Home Insurance Plan | Homeowner, Landlord & Tenant | Singlife SG

Singlife Home Insurance

Get up to 56% OFF. Use promo code* HOME23 + get a free plan upgrade for MINDEF & MHA or POGIS insured members when you buy online directly from us. *Not applicable for renewals

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Home Insurance Plans

Get comprehensive cover and peace of mind with our plans to protect your home.

In case you're wondering, our Home Insurance is separate from the HDB Fire Insurance Scheme.

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Get S$100,000 cover for things in your home

Starting from S$243.891, our Home Plus plan provides the highest coverage.

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Get 15% off for multi-year plans

Get 15% off your premiums when you purchase our 3-year plan.

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Seamless claims experience with PayNow

Receive your claims payout via PayNow. Note: Your PayNow account must be linked to your NRIC/FIN.

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First-loss basis

Cover only what you want to cover with no penalties for under-insurance.

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Coverage to trace water leakage2

We cover the cost of repairing burst pipes and tracing the source of water leakage.

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Disinfect your home3

We cover professional home cleaning costs in the event of infectious diseases.

What does our Home Insurance cover?

How much cover you need depends on how much it will cost to replace each item you care about.  Make sure you get add-ons for your precious personal items.

Home Lite

From fire to theft, we insure you against these perils that might happen within your property. 
 

  • 24/7 Emergency home assistance
  • Household contents
    S$35,000
  • Valuables (sub-limit of Household Contents)
    S$10,500 (aggregate)
    S$1,750 (per article)
  • Renovation, fixtures & fittings
    S$75,000
  • Family worldwide liability
    S$500,000
  • Alternative accommodation costs or loss of rent
    S$12,0004
  • Loss of contents temporarily removed
    S$5,000 (aggregate)
    S$500 (per article)
  • Emergency cash allowance
    S$500
  • Medical expenses
    S$1,000

Home Standard

Be reimbursed for your missing cash due to theft or burglary.


 

  • 24/7 Emergency home assistance
  • Household contents
    S$50,000
  • Valuables (sub-limit of Household Contents)
    S$15,000 (aggregate)
    S$2,500 (per article)
  • Renovation, fixtures & fittings
    S$100,000
  • Family worldwide liability
    S$500,000
  • Alternative accommodation costs or loss of rent
    S$12,0004
  • Loss of contents temporarily removed
    S$5,000 (aggregate)
    S$500 (per article)
  • Emergency cash allowance
    S$750
  • Medical expenses
    S$2,000
  • Household Removal
    S$5,000
  • Visitor’s Personal Belongings
    S$250
  • Domestic Assistance
    S$250
  • Repair of Burst Pipes and Expenses for Tracing and Accessing Water Leakage
    S$500
  • Water Bill Reimbursement
    S$250
  • Conservancy Charges
    S$500
  • Utilities bill relief
    S$1,000
  • Accidental fixed glass breakage
    S$500
  • Loss of personal money or credit cards
    S$500

Home Plus

Maximum household contents coverage, which also covers the loss of your pet. 


 

  • 24/7 Emergency home assistance
  • Household contents
    S$100,000
  • Valuables (sub-limit of Household Contents)
    S$30,000 (aggregate)
    S$5,000 (per article)
  • Renovation, fixtures & fittings
    S$100,000
  • Family worldwide liability
    S$500,000
  • Alternative accommodation costs or loss of rent
    S$12,0004
  • Loss of contents temporarily removed
    S$5,000 (aggregate)
    S$500 (per article)
  • Emergency cash allowance
    S$1,000
  • Medical expenses
    S$3,000
  • Household Removal
    S$10,000
  • Visitor’s Personal Belongings
    S$500
  • Domestic Assistance
    S$500
  • Repair of Burst Pipes and Expenses for Tracing and Accessing Water Leakage
    S$1,000
  • Water Bill Reimbursement
    S$500
  • Conservancy Charges
    S$1,000
  • Utilities bill relief
    S$1,000
  • Accidental fixed glass breakage
    S$1,000
  • Loss of personal money or credit cards
    S$1,000
  • Home cleaning expenses
    S$500
  • Loss of personal papers
    Includes replacement costs if any
    S$500
  • Accidental death of domestic pet
    S$500
  • Psychiatric Services
    S$1,0005

Footnotes

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1Based on a 1-year plan before promotion.

2Only available for Home Standard and Home Plus plans.

3Only available for Home Plus plan.

4Subject to a maximum amount of S$1,000 per week for up to 12 weeks.
5Subject to a maximum amount of S$200 per visit up to S$1,000.

Who needs Home Insurance?

Home insurance is for everyone who lives in or owns a property

  • 01
    Homeowner Insurance

    Protect your precious personal possessions and the value of your renovations.

     

    Besides covering renovations and furnishings from fire and floods, our cover also includes your family's legal liability due to accidents in your home. 

  • 02
    Landlord Insurance

    Covers loss of rental income and provides emergency cash for your immediate needs.

     

    Renting out part of or your entire home can be a source of additional income, but accidental damage to your property can render it uninhabitable.

     

    The sooner your property is made safe to live in again, the sooner you can earn rental income.

  • 03
    Tenant Insurance

    Includes worldwide family liability and alternative accommodation.

     

    Our plan pays for temporary accomodation should your rented home be affected by mishaps. It doesn't matter whether you are in the home or overseas.

All our home plans include

Personal legal liability

Any legal actions taken against you arising from accidental injury or accidental loss of or damage to the property that you're responsible for.

Alternative accommodation

If your home is damaged and cannot be lived in, as defined by any of the events that can cause damage or loss that's covered in our policy.

View product summary

We cover the loss or damage to your home contents

Including any home improvements (renovations) and/or building (applicable if you purchase this enhancement) in the event of the following:

•   Bursting or overflowing of domestic water tanks, apparatus or pipes  •   Earthquake & Lightning  •   Explosion  •   Fire  •   Flood  •   Riot  •   Strike or Civil Commotion  •  Theft  •  Vehicle impact 

Upgrade your coverage

We now provide optional enhancements for a more comprehensive coverage.

Additional Household Contents

Increase the sum insured of household contents from S$10,000 up to a maximum of S$200,000 on top of your selected plan.

Additional Renovations

Increase the sum insured of renovation from S$10,000 up to a maximum of S$200,000 on top of your selected plan.

Building

Covers loss or damage to the physical structure of your home up to S$1,000,000. Note that sum insured of building varies depending on your building property type and/or Construction Floor Area.

Want more cover?

Consider these add-ons for extra protection when you purchase our home insurance plan.

  • 01
    Bicycle / Personal Mobility Device

    We cover up to S$300 for loss or damage to your bicycle or personal mobility device.

  • 02
    Replacement Locks

    We cover up to S$500 if your keys are lost or stolen.

  • 03
    Family Cyber Risk Protector

    We cover up to S$3,000 for actual loss as a result of identity fraud and up to S$3,000 for disputes with online retailers.

  • 04
    Family Personal Accident

    We provide worldwide coverage of up to S$50,000 for you and your family and up to S$3,000 for home modification costs to aid mobility due to accidental injury. 

  • 05
    Food in Freezers

    We cover up to S$500 for loss or damage to food stored in a freezer due to a power outage.

Insure your home today!

There’s no place as comforting as home.

Protect your family from the unexpected with our home or property insurance plans.

Get a quote

What household contents do we cover?

Your personal belongings are important.

To make a claim, please ensure that your items are documented with proof of purchase and receipts. 

 

Contents with coverage up to S$100,000 such as:
  • Audio & visual equipment
  • Camera
  • Crockery & utensils
  • Clothes
  • Domestic appliances
  • Furniture
  • PC & laptop
Contents with coverage up to S$5,000 per item such as:
  • Jewellery
  • Watches

Enjoy these deals!

We make sure you're getting the best deals in town, with these savings.

Save 23% on your premiums!

Enjoy greater savings when you're insured with Singlife Home Insurance. Valid until 23 Dec 2024.

Use code HOME23

Are you a MINDEF/MHA policyholder?

You can now save up to 56% on your home insurance premiums! Simply check if you're eligible by getting a quote.

How to make a claim

Before you fix any issues and engage a contractor, get in touch with us. Make sure you submit your claim within 7 days of the incident.

  • 01
    Submit your claim online

    Please ensure that the required documents are submitted to facilitate the claims process and avoid unnecessary delays.

     

    Submit your claim here

  • 02
    Submit your original documents

    For claims requiring reimbursements for upfront expenses paid (e.g. medical receipts, purchase receipts), please indicate your policy number on your original documents and submit them to:

     

    Singlife Home Insurance Claims,
    Singapore Life Ltd.
    4 Shenton Way, #01-01 SGX Centre 2,
    Singapore 068807

  • 03
    We'll be in touch

    You will receive an acknowledgement email from us within 3 working days from the time we receive your claims submission. If we need further information, we'll get in touch within 30 working days.

     

    Once your claim is approved, an email will be sent to you. Your claims payout will be paid via PayNow within 3 business days. 

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Disclaimers

This policy is underwritten by Singapore Life Ltd. This is published for general information only. Information is accurate as at 13 September 2024.
 

This is not an insurance contract. Full details of the standard terms and conditions of this policy can be found in the relevant policy contract.

 

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 Singlife or visit the GIA or SDIC websites (www.gia.org.sg or www.sdic.org.sg).