Home Insurance – HomeSurance Classic
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.
Special Offer
From now till 30 September 2022, enjoy 40% discount and additional SGD40 worth of shopping vouchers when you purchase a HomeSurance Classic plan.
*Terms and Conditions apply
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 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 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.
| Coverage | New replacement cost/ insured limits |
|---|---|
| Household removal coverage | 15% of sum insured |
Temporary furniture 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 SGD10,000, whichever is higher |
| Locks and keys coverage | Up to SGD1,000 |
| Money coverage | Up to SGD1,000 |
| Credit Cards coverage | Up to SGD1,500 |
| Legal Documents | Up to SGD 1,000 |
| Frozen food coverage | Up to SGD750 |
| Home alteration coverage | Up to SGD10,000 |
| Breakage of Fixed Glass and Mirrors | Up to SGD 5,000 |
| Accidental death of pedigree pet coverage | Up to SGD500 for any one accident |
| Home Assistance Hotline Services | Up to SGD 300 per occurrence |
| Personal liabilities coverage | SGD1,000,000 |
| Personal accident protection coverage | SGD10,000 per person |
| Coverage | Household removal coverage |
|---|---|
| New replacement cost/ insured limits | 15% of sum insured |
| Coverage |
Temporary furniture depositories coverage |
| New replacement cost/ insured limits | 15% of sum insured- or up to SGD20,000, whichever is higher |
| Coverage | Property temporarily removed coverage |
| New replacement cost/ insured limits | 15% of sum insured or up to SGD20,000, whichever is higher |
| Coverage | Alternative accommodation and/or rent coverage |
| New replacement cost/ insured limits | 7.5% of sum insured or up to SGD10,000, whichever is higher |
| Coverage | Locks and keys coverage |
| New replacement cost/ insured limits | Up to SGD1,000 |
| Coverage | Money coverage |
| New replacement cost/ insured limits | Up to SGD1,000 |
| Coverage | Credit Cards coverage |
| New replacement cost/ insured limits | Up to SGD1,500 |
| Coverage | Legal Documents |
| New replacement cost/ insured limits | Up to SGD 1,000 |
| Coverage | Frozen food coverage |
| New replacement cost/ insured limits | Up to SGD750 |
| Coverage | Home alteration coverage |
| New replacement cost/ insured limits | Up to SGD10,000 |
| Coverage | Breakage of Fixed Glass and Mirrors |
| New replacement cost/ insured limits | Up to SGD 5,000 |
| Coverage | Accidental death of pedigree pet coverage |
| New replacement cost/ insured limits | Up to SGD500 for any one accident |
| Coverage | Home Assistance Hotline Services |
| New replacement cost/ insured limits | Up to SGD 300 per occurrence |
| Coverage | Personal liabilities coverage |
| New replacement cost/ insured limits | SGD1,000,000 |
| Coverage | Personal accident protection coverage |
| New replacement cost/ insured limits | 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
ArtPlus to protect your valuable art and more
ArtPlus is high-value household insurance solution. In addition to providing specialised insurance for art and collectibles, it also covers buildings, general contents, jewellery and watches, and personal liability. It is the only collections-led insurance policy available in the market.
Features
Worldwide cover for home contents
Your home's contents are covered worldwide, with complimentary transit cover during removal or temporary storage with a high per article limit for your specified and unspecified items.
Automatic coverage for new property
We cover your newly acquired property automatically up to 25% of your Total Sum Insured.
Pair, sets or parts cover
If part of a pair or set of fine art items is damaged, you can choose to claim a total loss to receive full payment on the pair or set.
Worldwide transit and temporary storage coverage
We cover your artwork while it is in transit and can provide temporary storage in locations all over the world.
Agreed value basis
All your items can be insured at values agreed upon between you and our underwriters.
Worldwide personal liability
Coverage for your personal liability wherever you are in the world.
Find out more
Request a callback
Leave us your details and we'll get back to you within 3 business days.
Call us (AXA Singapore)
Call us at (65) 6880 4070 if you have any questions.
Email us
Email at banca_hsbc@axa.com.sg.
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