Home Insurance
Owning a home is a huge deal and a lifelong responsibility. It is not only a safe space for you and your family, but also a trophy of your ambition, perseverance, and hard work. You can protect this hard-earned investment by getting the best home insurance plan to make sure your safe space is covered especially on circumstances beyond your control.
Liberty Insurance
HomeCare
- Combines various classes of insurance under one policy
- Easy to arrange
- Competitive premium terms
- First loss basis
- 15% off for 3 year plan
We have got your needs covered
Compare our plans in detail, you’ll definitely find something that suits you
Top-up Plan from Plan C | ||||||
Description of Benefits | Plan A | Plan B | Plan C | Top-up | Top-up | Max. Sum |
Section 1 | ||||||
Building including | S$50,000 | S$100,000 | S$200,000 | 0.0540% | 0.1377% | S$3,500,000 |
Section 2 | ||||||
Contents (All Risks) | S$15,000 | S$40,000 | S$50,000 | 0.2592% | 0.6610% | S$500,000 |
Section 3 | ||||||
Personal & Family | S$500,000 | S$500,000 | S$500,000 | S$27.00 | S$68.85 | S$1,000,000 |
Food & Beverage | S$100,000 | S$100,000 | S$100,000 | N.A. | N.A. | N.A. |
Section 4 | ||||||
Personal Accident | S$50,000 | S$50,000 | S$50,000 | N.A. | N.A. | N.A. |
Section 5 | ||||||
Emergency Home | S$200 | S$200 | S$200 | N.A. | N.A. | N.A. |
1 Year Premium | S$75.60 | S$129.60 | S$194.40 | |||
3 Year Premium (after 15% discount) | S$192.78 | S$330.48 | S$495.72 | |||
The information provided here is a summary. Please refer to the actual policy wordings for the terms and conditions.
Description of Optional Coverage | Limits/Top-up Rates |
Upgrade my Personal Effects Cover (unspecified) on jewellery, watches, spectacles and handbags/wallets anywhere in Singapore | Limit Per Article (S$2,000) Top-up Rate: |
Upgrade my Personal and Family liability to Worldwide excluding USA, Canada and Sanctioned Countries | Limit of Liability: S$500,000 OR Limit of Liability: S$1,000,000 |
- Sections 1 and 2 of the Policy are on First Loss Basis
- Definition of First Loss Basis: Total compensation payable for loss/damage due to an insured peril will be up to the total insured value regardless of actual values of the lost/damaged items
- Premises situated on road level or basement is subject to an excess of S$2,500 each and every loss in respect of flood claims
- For 3 year discounted plan, the discount is given based on advanced no claim discount. Subject to no claims for past 3 years
- Premiums above include prevailing GST
Section 1 - Building including Renovations and/or Improvements (Fire & Extraneous Perils)
nsures against loss of or damage to renovations, improvements, fixtures and fittings caused by
- Fire, lightning, explosion
- Earthquake, volcanic eruption
- Bursting or overflowing of domestic water tanks and pipes (in excess of S$200)
- Flood, windstorm, typhoon (in excess of S$500)
- Burglary, malicious damage
- Strikes, riots, civil commotion
- Impact by aircraft or other aerial devices, falling trees, road vehicles
- Landslip and/or subsidence due to flood (in excess of S$10,000 or 10% claim amount, whichever is higher)
- Accidental breakage of fixed glass on doors, windows, partitions, cabinets or walls
Other covers, following a claim:
- Cost of removal of debris
- Fire extinguishment cost
- Loss of rent/cost of alternative accommodation if building is made uninhabitable
Section 2 - Contents (All Risks)
Insures on an All Risks basis against accidental loss of or damage to home contents and personal effects in the home including:
- Deterioration of food and drinks in freezer due to its breakdown
- Damage to contents in the course of removal
- Cost of preparation of new title deed for the insured property
- Cost of replacement or repair of home security system, lock/keys following a break-in
- Loss or damage to visitors’ and domestic helpers’ personal effects
- Cost of temporary domestic help following accident at home
- Accidental death/theft of licensed cat & dog
- Conservancy or management fees if building is made uninhabitable
- Compensation for denial of access to home
Section 3 - Personal and Family Liability
Insures against third-party claims for bodily injuries or property damage caused by the Insured or his family while living in the insured premises. Cover includes legal costs and expenses incurred with our written consent.
The coverage is provided anywhere in Singapore and is subject to Singapore jurisdiction.
Section 4 - Personal Accident
Compensation for accidental death or injury to Insured, spouse and their unmarried children.
The coverage is provided worldwide on a 24-hour basis.
Section 5 – Emergency Home Assistance
In the event of an emergency at home, the policy pays up to S$100 per event for emergency repairs arranged through Liberty Helpline at (65) 6636 1131 (24 hours).
Summary of Extended Coverage
-
- Loss or damage to domestic servant’s property
- Loss or damage to visitors’ personal effects
- Deterioration of food and drinks following breakdown of refrigerator
- Cost of temporary additional domestic help following accident at home
- Loss or damage to contents whilst in the open but within building boundary
- Payment of conservancy charges or management fees in event building is uninhabitable
- Denial of access following damage to neighbouring premises
- Accidental death/theft of licensed cat & dog
- Cost of removal of debris
- Fire extinguishing expenses
- Loss of rent or additional expenses for alternative accommodation when building is uninhabitable
- Loss or damage to contents caused by professional movers during home removal
- Loss or damage to awning, blinds and signs
- Replacement/repair of home security system, locks and keys following break-in
- Replacement of title deeds
- Architects’, surveyors’ and legal fees
- Capital additions
- Cost of temporary protection
- Additional costs in compliance with statutory regulations
- Cover for contracting buyer up to completion of sale
- Continuation of coverage whilst building is undergoing alterations and repairs
The information provided here is a summary. Please refer to the actual policy wordings for the terms and 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 us (servicecenter@libertyinsurance.com.sg) or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).
Sompo Insurance
HomeBliss
SUITABLE FOR ANY TYPE OF RESIDENTIAL PROPERTY
- Suitable for HDB or Private Apartments, Condominiums and Landed Properties.
BUILDING, RENOVATIONS, FIXTURES AND FITTINGS
- Covers against loss or damage to the building structure, renovations, fixtures and fittings of the insured dwelling.
CONTENTS COVER
- Covers household items, furniture, personal effects and valuables belonging to you and your family members.
THIRD PARTY LIABILITY
- Covers up to $750,000.
24-HOUR EMERGENCY HOME ASSISTANCE
$100 per event, up to 4 times per year for:
- • Locksmith assistance
- • Plumbing assistance
- • Electrical assistance
- • Air-conditioning engineer assistance
- • Pest Control services
FREE EXTENSION COVERAGE
Up to 25 extensions, covering you against:
- • Cost of replacement of locks and keys following a break-in
- • Loss or damage to laptops and mobile devices due to insured perils or accidents
And more!
For Homeowners - Solution A
Basic Cover | Cosy | Serene | Luxury |
1. Building, Renovations, Fixtures and Fittings | $80,000 | $120,000 | $200,000 |
2. Contents | $20,000 | $20,000 | $20,000 |
3. Worldwide Family Personal Liability | $750,000 | $750,000 | $750,000 |
4. Personal Accident within Insured Dwelling | |||
• For Insured and Spouse | $20,000 each | $20,000 each | $20,000 each |
• For Unlimited Number of Children | $5,000 each | $5,000 each | $5,000 each |
- Hospital Allowance for Insured and Spouse | $250 each | $250 each | $250 each |
5. 24-hour Emergency Home Assistance Service | |||
For Locksmith, Plumbing, Electrical, Air Conditioning Engineer & Pest Control services | Up to $100 reimbursement per event, | Up to $100 reimbursement per event, | Up to $100 reimbursement per event, |
6. Pet Dog Cover | $500 | $500 | $500 |
Up to 25 extensions, covering you such as: • Cost of replacement of locks and keys following a break-in • Loss or damage to laptops and mobile devices due to insured perils or accidents And more! (Click here to view full list of benefits) | |||
Annual Premium (Inclusive of GST) | |||
Standard | $106.92 | $167.40 | $251.64 |
Enhanced | $151.20 | $214.92 | $322.92 |
Optional Cover Premium (Inclusive of GST)
Benefits | Premium |
Top up of Worldwide Family Personal Liability to $1 Million | $32.40 |
Rent Protector | $81.00 |
Valuables* under Contents | Rates and Excess subjected to underwriting. |
Worldwide Personal Effects** • Unspecified Articles |
For Homeowners (Solution A) | Premium (inclusive of GST) | |||
Plan Type | Building, Renovations, Fixtures & Fittings | Contents | Standard | Enhanced |
Cosy | $80,000 | $20,000 | $106.92 | $151.20 |
Serene | $120,000 | $40,000 | $167.40 | $214.92 |
Luxury | $200,000 | $60,000 | $251.64 | $322.92 |
Top Up | ||||
Building, Renovations, Fixtures & Fittings | $0.432 per $1,000 Sum Insured | $0.648 per $1,000 Sum Insured | ||
Contents | $2.700 per $1,000 Sum Insured | $3.780 per $1,000 Sum Insured | ||
For Tenant and Landlord (Solution B and C) | Premium (inclusive of GST) | |||
Plan Type | Building, Renovations, Fixtures & Fittings | Contents | Standard | Enhanced |
Tenant (Solution B) | N.A. | Flexible | $2.700 per $1,000 Sum Insured | $3.780 per $1,000 Sum Insured |
Landlord (Solution C) | Flexible | N.A. | $0.432 per $1,000 Sum Insured | $0.648 per $1,000 Sum Insured |
Minimum premium of $108 (inclusive of GST) | ||||
Optional Cover | (Premium inclusive of GST) | |||
Top up of Worldwide Family Personal Liability to $1 M | $32.40 | |||
Rent Protector | $81.00 | |||
Valuables* exceeding $2,500 under Contents Cover | Rates and Excess subjected to underwriting. | |||
Worldwide Personal Effects (Unspecified Articles) | ||||
Worldwide Personal Effects** (Specified Articles) | ||||
^ Please submit duly completed and signed application form with proof of purchase/receipt/valuation report to emailus@sompo.com.sg for further underwriting.
* Valuables
Jewellery, watches, antiques, paintings, furs, works of art, curios, stamps or coin collections, items of gold, silver, platinum or other precious metals and other collectible property. Total Value should not exceed 1/3 of Contents Sum Insured.
** Personal Effects
Articles of personal use designed specifically to be worn or carried on the person such as clothing, jewellery, watches & camera equipment but excluding money, mobile phones, any portable devices such as laptops and digital tablets, pedal cycles, PAB, PMA, PMD, and/or any mechanically propelled vehicles/devices, aerial devices/drones and any items which are used in connection with any business profession or employment. Any item that is insured under a separate policy is also excluded. Total Value should not exceed 50% of Contents Sum Insured.
Do I need home insurance?
Your home is one of the cosiest places where your heart lies, your memories create and, you and your family feel safe. While your apartment or house is your safe haven, it will need protection too.
If your apartment or house is damaged by an unforeseen event such as fire or water pipe bursts, a home insurance would be your financial shield against repair or replacement cost. Other than covering the building structure, home insurance such as HomeBliss also covers the improvements and additions (e.g. renovations) you made to your apartment or house, your household contents and personal effects.
I already have a HDB Fire insurance. Why should I buy a home insurance like HomeBliss?
The HDB Fire Insurance Scheme was introduced to help relieve flat owners of the financial burden of repair work in the unfortunate event of a fire. The HDB fire insurance covers the cost of reinstating damaged internal structures, fixtures, as well as areas built and provided by HDB. It does not include home contents such as furniture, renovations and personal belongings.1
Buying home insurance such as HomeBliss, improvements and additions to your HDB apartment would be covered along with your furniture and household contents. The other benefits2 you get to enjoy include 24-hour Emergency Home Assistance such as plumbing assistance, replacement of laptops or mobile devices if these are damaged due to an insured peril, your legal liabilities to third parties that may arise due to an insured peril – just to name a few.
1Source: https://www.hdb.gov.sg/residential/living-in-an-hdb-flat/fire-insurance
2Please refer to HomeBliss policy wordings.
I stayed in a condominium and I thought it has a fire policy in place. Why should I buy a home insurance like HomeBliss?
If you reside in a condominium or an apartment registered as a Management Corporation Strata Title (MCST) property, it is the legal responsibility of your Management Committee (MC) to insure the entire property for fire damage. If the property is damaged, the MC will make a claim on the insurance policy and use the claim amount to reinstate the property.
The MCST fire insurance policy may not cover the homeowners’ improvements and/or renovations made to their individual properties. Homeowners are encouraged to check the coverage of their MCST’s fire insurance policy and arrange for additional or separate fire insurance to cover improvements and/or renovations made.1
Buying home insurance such as HomeBliss, improvements and additions to your apartment would be covered along with your furniture and household contents. The other benefits2 you get to enjoy include 24-hour Emergency Home Assistance such as plumbing assistance, replacement of laptops or mobile devices if these are damaged due to an insured peril, your legal liabilities to third parties that may arise due to an insured peril – just to name a few.
1Source: https://gia.org.sg/help-support/property-insurance/101-mortgagee-interest-policy/421-what-is-the-difference-between-mip-and-mcst-fire-insurance.html
2Please refer to HomeBliss policy wordings.
If a water pipe located in the corridor outside my apartment bursts, causing flooding inside my apartment which damages my flooring and furniture. Would I be covered under HomeBliss?
The loss and damage illustrated in this scenario will be covered by HomeBliss Enhanced Plan under the loss and damage caused by Insured Perils and accidental means clause.
Do note that HomeBliss Standard Plan only covers loss and damage caused by Insured Perils. Hence this plan will not cover for loss and damage caused by bursting of water pipes or tanks that are located outside your home.
Policy Owners’ Protection Scheme
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 Us or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg)
