"All Risks" coverage
Protect your valuables and your family at home from hazards such as theft, riot, malicious act, lightning, thunderbolt, explosion, collision, or impact from falling tree branches or vehicles. HomeSurance Classic is designed to protect all that you treasure at home.

Personal liability
HomeSurance Classic indemnifies you should you be liable to pay compensation for bodily injury or damage to property up to SGD1,000,000. Examples include falling flower pots from your property, slippery floors and accidental breakage of your neighbour's property or valuables.

Ease of application
You need not go through the inconvenience of itemising your possessions at the point of application. These include everything from jewellery and silverware to fine art and coin collections. The insurable items (with the exception of clothing, linen, wallpaper, floor coverings and pedal cycles) will be settled on a �new for old� basis.

	New replacement cost/insured limits
Interior decoration/ refurbishment protection coverage	15% of sum insured or up to SGD20,000, whichever is higher
Household removal coverage	15% of sum insured
Temporary furniture 15% depositories coverage	15% of sum insured or up to SGD20,000, whichever is higher
Property temporarily removed coverage	15% of sum insured or up to SGD20,000, whichever is higher
Alternative accommodation and/or rent coverage	7.5% of sum insured or up to SGD20,000, whichever is higher
Locks and keys coverage	Up to SGD1,000
Money coverage	Up to SGD1,000
Credit cards coverage	Up to SGD1,500
Replacement of personal documents coverage	Up to SGD1,500
Frozen food coverage	Up to SGD500
Damage to external TV/radio antenna coverage	Up to SGD250
Home alteration coverage	Up to SGD10,000
Damage to doors or windows coverage	Up to SGD10,000
Accidental death of pedigree pet coverage	Up to SGD500 for any one accident
Removal of debris coverage	Up to SGD3,500
Personal liabilities coverage	SGD1,000,000
Personal accident protection coverage	SGD10,000 per person

 

Note:
• An excess of SGD50 is applicable for all claims arising from accidental damage.
• Valuables are covered for up to 35% of the main coverage limit.
• Each item, pair or set of valuables is subject to a maximum claim of 3.5% of sum insured or SGD7,500, whichever is lower.
• Each item, pair or set of non-valuables is subject to a maximum claim of 15% of sum insured.
• Personal injury to family members benefit will only be payable due to an accident occurring before the benefit expires.

Q. Who is eligible for HomeSurance Classic?
A. Anyone above the age of 21 years old may apply.

Q. May I apply even though I am not a citizen or Permanent Resident of Singapore?
A. Yes, so long as the property to be insured is located in Singapore.

Q. When will the insurance coverage commence?
A. All policies shall become effective upon approval of your application and receipt of your premium payment.

Q. Do I need home contents insurance if I have a Fire or Mortgage Insurance Policy?
A. While most residential properties are protected by fire and mortgage insurance, it is important to note that these policies usually do not cover the home possessions within.

Q. Will I be penalised during a claim if I do not insure the full value of my household contents?
A. You will be reimbursed up to the limit under the plan that you have selected.

Q. What is accidental damage?
A. Any loss or damage arising out of any sudden unexpected and fortuitous event unless otherwise specifically excluded. Examples of accidental damage include fire, theft, water damage and soot damage.

Q. In the event that I accidentally damage my neighbour's property during the course of renovating my house, would my HomeSurance Classic policy pay for the damage and repair costs incurred by my neighbour?
A. Yes, it will indemnify you in respect of your various liabilities under the Personal Liability Coverage section of the policy.

Q. What are the standard excluded risks?
A. The policy does not cover for theft or burglary if the home is unoccupied or leased out; misplacement and/or mere unexplained disappearance of insured articles; and loss or damage from radioactive contamination. Please refer to policy document for a detailed list of exclusion.