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HomeSure

Safeguard all that is precious in your home

HomeSure offers comprehensive coverage for all that's close to your heart – home contents, renovations and your loved ones.

Special offers

From now till 31 July 2024, enjoy 10% premium discount for all HomeSure plans.

Features

  • Up to SGD300,000 for renovations, movable household items and personal belongings
  • Up to SGD1,000,000 in Worldwide Personal Legal Liability
  • Access to MSIG's 24-hour hotline for home emergency services
  • Optional coverage for your building for all-round protection of your home and its contents

The limit shown above is based on Supreme Plan. Learn more about the full coverage details.

Summary of benefits

Benefits Summary
Benefits Summary Sum Insured (up to) for Supreme Plan Sum Insured (up to) for Deluxe Plan Sum Insured (up to) for Classic Plan

Home Contents and Renovations1

  • Contents – household contents and personal belongings2
  • Renovations – improvements and additions to your Home not forming part of the Building
$300,000 $150,000 $75,000

Worldwide Personal Liability: Personal legal liability for you and your family

 

$1,000,000 $1,000,000 $1,000,000
Tenant’s Liability: Legal liability arising from you being a tenant in a property that you do not own (sub-limit) $500,000 $500,000 $500,000
Worldwide Accidental Death Protection: Covers you, your spouse or your child(ren) in the event of death by accident

$30,000 per adult

 

$15,000 per child

 

$75,000 in the aggregate

$30,000 per adult

 

$15,000 per child

 

$75,000 in the aggregate

$20,000 per adult

 

$10,000 per child

 

$50,000 in the aggregate

Emergency Home Assist: Access to 24-hour MSIG Assist helpline for assistance in Singapore:

  • Telephone medical advice
  • Private medical transportation
  • Plumber referral
  • Electrician referral
  • Locksmith assistance
Available Available Available
Alternative Accommodation or Loss of Rent: Cost of reasonable alternative accommodation, or rent which continues to be payable by you or rent payable to you while your home remains uninhabitable

Up to 7.5% of the Sum Insured under Home Contents and Renovations

Up to 7.5% of the Sum Insured under Home Contents and Renovations

Up to 7.5% of the Sum Insured under Home Contents and Renovations

Temporary Furniture Depositories: Cost for storing your furniture temporarily while your home is uninhabitable due to damage

Up to 15% of the Sum Insured under Home Contents & Renovations Up to 15% of the Sum Insured under Home Contents & Renovations Up to 15% of the Sum Insured under Home Contents & Renovations
Removal of Debris: Cost incurred for removal of debris following damage to items covered under Home Contents and Renovations Up to 5% of the Sum Insured under Home Contents and Renovations Up to 5% of the Sum Insured under Home Contents and Renovations Up to 5% of the Sum Insured under Home Contents and Renovations
Cost of Temporary Protection: Cost of temporary boarding up or protection pending repairs or replacement following damage to items covered under Home Contents and Renovations $2,000 $1,500 $1,000
Replacement of Locks/Keys: Cost of replacing locks and keys to external doors $1,000 $1,000 $1,000
Accidental Death of Domestic Pet: Death by motor accident of your domestic dog or cat $500 $500 $500
Loss of Money: Loss of personal money due to burglary in your home $1,000 $750 $500
Emergency Cash Allowance: Pays for the purchase of essential clothing or personal effects in the event your home is uninhabitable due to a loss or damage for 5 days or more $2,500 $2,500 $2,500
Fraudulent Use of Credit/ATM cards: Monetary loss due to unauthorised use of credit cards or ATM cards taken from your home $1,500 $1,000 $750
Contents Temporarily Removed: Loss or damage to contents temporarily removed from your home to any residential building or hotel in Singapore $500 for any 1 item; $15,000 in total in the aggregate for all claims made under this benefit $500 for any 1 item; $12,000 in total in the aggregate for all claims made under this benefit $500 for any 1 item; $7,500 in total in the aggregate for all claims made under this benefit
Accidental breakage of Fixed Mirrors and Glass $5,000 $5,000 $5,000
Deterioration of Frozen Food: Cost to replace deteriorated frozen food in the deep freezer of your refrigerator $750 $750 $750
Damage to Security Systems: Damage as a result of theft or any attempt thereat $800 $600 $400
Conservancy Charges: Pays your monthly service and conservancy charges in the event your home is uninhabitable due to damage caused by an insured event $800 $600 $400
Fraud or Dishonesty of Domestic Servants: Monetary loss suffered due to fraud or dishonesty committed by your domestic servant $500 $500 $500
Fire Extinguishment Expenses: Cost of replenishment of fire fighting appliances in your home $3,000 $2,000 $1,000
Accidental Loss of or Damage to Legal Documents / Loss or damage to title deeds and other legal documents $1,000 $1,000 $1,000
Home Alteration due to Disability: Medically necessary modification to or mobility equipment for your home $10,000 $10,000 $10,000
Benefits Summary
Benefits Summary

Home Contents and Renovations1

  • Contents – household contents and personal belongings2
  • Renovations – improvements and additions to your Home not forming part of the Building
Sum Insured (up to) for Supreme Plan $300,000
Sum Insured (up to) for Deluxe Plan $150,000
Sum Insured (up to) for Classic Plan $75,000
Benefits Summary

Worldwide Personal Liability: Personal legal liability for you and your family

 

Sum Insured (up to) for Supreme Plan $1,000,000
Sum Insured (up to) for Deluxe Plan $1,000,000
Sum Insured (up to) for Classic Plan $1,000,000
Benefits Summary Tenant’s Liability: Legal liability arising from you being a tenant in a property that you do not own (sub-limit)
Sum Insured (up to) for Supreme Plan $500,000
Sum Insured (up to) for Deluxe Plan $500,000
Sum Insured (up to) for Classic Plan $500,000
Benefits Summary Worldwide Accidental Death Protection: Covers you, your spouse or your child(ren) in the event of death by accident
Sum Insured (up to) for Supreme Plan

$30,000 per adult

 

$15,000 per child

 

$75,000 in the aggregate

Sum Insured (up to) for Deluxe Plan

$30,000 per adult

 

$15,000 per child

 

$75,000 in the aggregate

Sum Insured (up to) for Classic Plan

$20,000 per adult

 

$10,000 per child

 

$50,000 in the aggregate

Benefits Summary

Emergency Home Assist: Access to 24-hour MSIG Assist helpline for assistance in Singapore:

  • Telephone medical advice
  • Private medical transportation
  • Plumber referral
  • Electrician referral
  • Locksmith assistance
Sum Insured (up to) for Supreme Plan Available
Sum Insured (up to) for Deluxe Plan Available
Sum Insured (up to) for Classic Plan Available
Benefits Summary Alternative Accommodation or Loss of Rent: Cost of reasonable alternative accommodation, or rent which continues to be payable by you or rent payable to you while your home remains uninhabitable
Sum Insured (up to) for Supreme Plan

Up to 7.5% of the Sum Insured under Home Contents and Renovations

Sum Insured (up to) for Deluxe Plan

Up to 7.5% of the Sum Insured under Home Contents and Renovations

Sum Insured (up to) for Classic Plan

Up to 7.5% of the Sum Insured under Home Contents and Renovations

Benefits Summary

Temporary Furniture Depositories: Cost for storing your furniture temporarily while your home is uninhabitable due to damage

Sum Insured (up to) for Supreme Plan Up to 15% of the Sum Insured under Home Contents & Renovations
Sum Insured (up to) for Deluxe Plan Up to 15% of the Sum Insured under Home Contents & Renovations
Sum Insured (up to) for Classic Plan Up to 15% of the Sum Insured under Home Contents & Renovations
Benefits Summary Removal of Debris: Cost incurred for removal of debris following damage to items covered under Home Contents and Renovations
Sum Insured (up to) for Supreme Plan Up to 5% of the Sum Insured under Home Contents and Renovations
Sum Insured (up to) for Deluxe Plan Up to 5% of the Sum Insured under Home Contents and Renovations
Sum Insured (up to) for Classic Plan Up to 5% of the Sum Insured under Home Contents and Renovations
Benefits Summary Cost of Temporary Protection: Cost of temporary boarding up or protection pending repairs or replacement following damage to items covered under Home Contents and Renovations
Sum Insured (up to) for Supreme Plan $2,000
Sum Insured (up to) for Deluxe Plan $1,500
Sum Insured (up to) for Classic Plan $1,000
Benefits Summary Replacement of Locks/Keys: Cost of replacing locks and keys to external doors
Sum Insured (up to) for Supreme Plan $1,000
Sum Insured (up to) for Deluxe Plan $1,000
Sum Insured (up to) for Classic Plan $1,000
Benefits Summary Accidental Death of Domestic Pet: Death by motor accident of your domestic dog or cat
Sum Insured (up to) for Supreme Plan $500
Sum Insured (up to) for Deluxe Plan $500
Sum Insured (up to) for Classic Plan $500
Benefits Summary Loss of Money: Loss of personal money due to burglary in your home
Sum Insured (up to) for Supreme Plan $1,000
Sum Insured (up to) for Deluxe Plan $750
Sum Insured (up to) for Classic Plan $500
Benefits Summary Emergency Cash Allowance: Pays for the purchase of essential clothing or personal effects in the event your home is uninhabitable due to a loss or damage for 5 days or more
Sum Insured (up to) for Supreme Plan $2,500
Sum Insured (up to) for Deluxe Plan $2,500
Sum Insured (up to) for Classic Plan $2,500
Benefits Summary Fraudulent Use of Credit/ATM cards: Monetary loss due to unauthorised use of credit cards or ATM cards taken from your home
Sum Insured (up to) for Supreme Plan $1,500
Sum Insured (up to) for Deluxe Plan $1,000
Sum Insured (up to) for Classic Plan $750
Benefits Summary Contents Temporarily Removed: Loss or damage to contents temporarily removed from your home to any residential building or hotel in Singapore
Sum Insured (up to) for Supreme Plan $500 for any 1 item; $15,000 in total in the aggregate for all claims made under this benefit
Sum Insured (up to) for Deluxe Plan $500 for any 1 item; $12,000 in total in the aggregate for all claims made under this benefit
Sum Insured (up to) for Classic Plan $500 for any 1 item; $7,500 in total in the aggregate for all claims made under this benefit
Benefits Summary Accidental breakage of Fixed Mirrors and Glass
Sum Insured (up to) for Supreme Plan $5,000
Sum Insured (up to) for Deluxe Plan $5,000
Sum Insured (up to) for Classic Plan $5,000
Benefits Summary Deterioration of Frozen Food: Cost to replace deteriorated frozen food in the deep freezer of your refrigerator
Sum Insured (up to) for Supreme Plan $750
Sum Insured (up to) for Deluxe Plan $750
Sum Insured (up to) for Classic Plan $750
Benefits Summary Damage to Security Systems: Damage as a result of theft or any attempt thereat
Sum Insured (up to) for Supreme Plan $800
Sum Insured (up to) for Deluxe Plan $600
Sum Insured (up to) for Classic Plan $400
Benefits Summary Conservancy Charges: Pays your monthly service and conservancy charges in the event your home is uninhabitable due to damage caused by an insured event
Sum Insured (up to) for Supreme Plan $800
Sum Insured (up to) for Deluxe Plan $600
Sum Insured (up to) for Classic Plan $400
Benefits Summary Fraud or Dishonesty of Domestic Servants: Monetary loss suffered due to fraud or dishonesty committed by your domestic servant
Sum Insured (up to) for Supreme Plan $500
Sum Insured (up to) for Deluxe Plan $500
Sum Insured (up to) for Classic Plan $500
Benefits Summary Fire Extinguishment Expenses: Cost of replenishment of fire fighting appliances in your home
Sum Insured (up to) for Supreme Plan $3,000
Sum Insured (up to) for Deluxe Plan $2,000
Sum Insured (up to) for Classic Plan $1,000
Benefits Summary Accidental Loss of or Damage to Legal Documents / Loss or damage to title deeds and other legal documents
Sum Insured (up to) for Supreme Plan $1,000
Sum Insured (up to) for Deluxe Plan $1,000
Sum Insured (up to) for Classic Plan $1,000
Benefits Summary Home Alteration due to Disability: Medically necessary modification to or mobility equipment for your home
Sum Insured (up to) for Supreme Plan $10,000
Sum Insured (up to) for Deluxe Plan $10,000
Sum Insured (up to) for Classic Plan $10,000
  1. An excess of $50 applies for each and every loss under Home Contents and Renovations.
  2. We will not pay for more than 30% of the Sum Insured on Contents in the aggregate in respect of Valuables, or more than 15% of the Sum Insured on Contents or up to $7,500 whichever is lower for any one article (furniture, personal computers, audio and video equipment, pianos or organs excepted). We will not pay for more than the sum insured stated for the following items: mobile phones up to $500 in total; laptop, desktop and tablet computer up to $2,000 in total; works of art up to $10,000 in total and $10,000 for any one article; other portable device up to $500 in total; and bicycle up to $500 in total.

How to buy HomeSure

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