HomeSurance Classic

House insurance for everything that you own

Introduction

Your home is more than just a roof over your head – it’s a place you have spent considerable time, effort and money doing up. And when it comes to the things that make your house a home, you can have peace of mind with HomeSurance Classic. With a choice of three levels of comprehensive coverage each at an affordable premium, HomeSurance Classic is the convenient, inexpensive way to protect the things you cherish most.

Benefits and features

“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 S$1,000,000. 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.

Benefits table

Coverage	New replacement cost/insured limits:
Interior decoration/ refurbishment protection coverage	15% of sum insured or up to S$20,000, whichever is higher
Household removal coverage	15% of sum insured
Temporary furniture 15% depositories coverage	15% of sum insured or up to S$20,000, whichever is higher
Property temporarily removed coverage	15% of sum insured or up to S$20,000, whichever is higher
Alternative accommodation and/or rent coverage	7.5% of sum insured or up to S$20,000, whichever is higher
Locks and keys coverage	Up to S$1,000
Money coverage	Up to S$1,000
Credit cards coverage	Up to S$1,500
Replacement of personal documents coverage	Up to S$1,500
Frozen food coverage	Up to S$500
Damage to external TV/radio antenna coverage	Up to S$250
Home alteration coverage	Up to S$10,000
Damage to doors or windows coverage	Up to S$10,000
Accidental death of pedigree pet coverage	Up to S$500 for any one accident
Removal of debris coverage	Up to S$3,500
Personal liabilities coverage	S$1,000,000
Personal accident protection coverage	S$10,000 per person

Note:

An excess of S$50 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 S$7,500, 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.

Act now

Phone: 1800-HSBC NOW (4722 669) in Singapore or
Click here to download application form.
Make an appointment with us today.

Important notes

HomeSurance Classic is underwritten by HSBC Insurance (Singapore) Pte. Limited 10 Eunos Road 8 #11-01 Singapore Post Centre Singapore 408600. Company registration no. 195400150N. It is not an obligation of, deposits in or guaranteed by The Hongkong and Shanghai Banking Corporation Limited.

HSBC Insurance (Singapore) Pte. Limited’s authorised agents or distributors, including The Hongkong and Shanghai Banking Corporation Limited (together “the Agents”) are neither underwriter nor broker for the customer. To the fullest extent permissible pursuant to applicable law, the Agents make no warranties or representation as to the accuracy, correctness, reliability or otherwise of the content of this marketing material. Under no circumstances, including, but not limited to negligence, shall the Agents or any party involved in creating, producing or delivering the marketing material be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the liability to use, the information in this marketing materials even if the Agents have been advised of the possibility of such damages.

The Agents and/or their employees will receive a commission from HSBC Insurance (Singapore) Pte. Limited in respect of this transaction. The Agents are not suppliers of the products and services and will not accept liability in relation thereto.

This webpage is intended as a general summary and is subject to change. It is also not a contract of insurance. Please refer to the Policy for the full details of the standard terms and conditions and the exclusions of this insurance product.

Issued by The Hongkong and Shanghai Banking Corporation Limited, which is incorporated in the Hong Kong SAR with limited liability.

Next steps

Locate an ATM/Branch

Call us on 1800-HSBC NOW (4722 669) in Singapore or (65) 6-HSBC NOW (4722 669) from overseas