Singlife Home Insurance

Get up to 57% off. Use promo code* HOME23 + get a free plan upgrade for MINDEF & MHA or POGIS policyholders when you buy online directly from us. *Not applicable for renewals

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$211.25*, our Home Plus plan provides the highest coverage. *Based on a 1-year plan before promotion.

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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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Emergency cash allowance

We give you cash for immediate relief when you need it. 

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Disinfect your home*

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

*Only available for Home Plus plan.

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
  • Removal of debris
    S$5,500
  • Family worldwide liability
    S$250,000
  • Alternative accommodation costs or loss of rent
    S$12,0001
  • 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
  • Removal of debris
    S$7,500
  • Family worldwide liability
    S$250,000
  • Alternative accommodation costs or loss of rent
    S$12,0001
  • Loss of contents temporarily removed
    S$5,000 (aggregate)
    S$500 (per article)
  • Emergency cash allowance
    S$750
  • Medical expenses
    S$2,000
  • 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
  • Removal of debris
    S$10,000
  • Family worldwide liability
    S$250,000
  • Alternative accommodation costs or loss of rent
    S$12,0001
  • Loss of contents temporarily removed
    S$5,000 (aggregate)
    S$500 (per article)
  • Emergency cash allowance
    S$1,000
  • Medical expenses
    S$3,000
  • 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

Footnotes

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

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.

We cover the loss or damage to your home contents

Including any home improvements (renovations) in the event of the following:

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

Add-ons for extra protection

Need enhanced coverage? Consider these add-ons 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 31 December 2022.

Use code HOME23

Are you a MINDEF/MHA policyholder?

You can now save up to 57% 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
    Download your claim form

    Download and submit your claim form to [email protected]

    Do include any supporting documents, such as police reports or receipts. 

    We are currently dealing with a high volume of claims. We seek your patience and understanding and will respond to you as soon as we can. 

  • 02
    Submit your original documents

    Submit your original documents to us at this address:

     

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

     

    Have a question? Contact us.

  • 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 60 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 16 August 2022.
 

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).