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HomeSurance Classic

HomeSurance

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.

Features

  • "All risks" coverage
    Protect you and your family assets and valuables from Fire, Burglary and Accidental damage including riot, malicious act, lightning, thunderbolt, explosion, collision or impact from falling tree branches or vehicles.
  • 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 posessions 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 details
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$10,000, 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
Benefits table
Coverage details
Coverage Interior decoration/ refurbishment protection coverage
New replacement cost/ insured limits 15% of sum insured or up to S$20,000, whichever is higher
Coverage Household removal coverage
New replacement cost/ insured limits 15% of sum insured
Coverage Temporary furniture 15% depositories coverage
New replacement cost/ insured limits 15% of sum insured- or up to S$20,000, whichever is higher
Coverage Property temporarily removed coverage
New replacement cost/ insured limits 15% of sum insured or up to S$20,000, whichever is higher
Coverage Alternative accommodation and/or rent coverage
New replacement cost/ insured limits 7.5% of sum insured or up to S$10,000, whichever is higher
Coverage Locks and keys coverage
New replacement cost/ insured limits Up to S$1,000
Coverage Money coverage
New replacement cost/ insured limits Up to S$1,000
Coverage Credit Cards coverage
New replacement cost/ insured limits Up to S$1,500
Coverage Replacement of personal documents coverage
New replacement cost/ insured limits Up to S$1,500
Coverage Frozen food coverage
New replacement cost/ insured limits Up to S$500
Coverage Damage to external TV/ radio antenna coverage
New replacement cost/ insured limits Up to S$250
Coverage Home alteration coverage
New replacement cost/ insured limits Up to S$10,000
Coverage Damage to doors or windows coverage
New replacement cost/ insured limits Up to S$10,000
Coverage Accidental death of pedigree pet coverage
New replacement cost/ insured limits Up to S$500 for any one accident
Coverage Removal of debris coverage
New replacement cost/ insured limits Up to S$3,500
Coverage Personal liabilities coverage
New replacement cost/ insured limits S$1,000,000
Coverage Personal accident protection coverage
New replacement cost/ insured limits 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

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