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 11 to 30 April 2021, enjoy 30% discount* and SGD20 shopping voucher* when you purchase a Home Content insurance 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 |
|---|---|
| Interior decoration/ refurbishment protection coverage | 15% of sum insured or up to SGD20,000, whichever is higher |
| Household removal coverage | 15% of sum insured |
| Temporary furniture 15% 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 |
| Replacement of personal documents coverage | Up to SGD1,500 |
| Frozen food coverage | Up to SGD500 |
| Damage to external TV/ radio antenna coverage | Up to SGD250 |
| Home alteration coverage | Up to SGD10,000 |
| Damage to doors or windows coverage | Up to SGD10,000 |
| Accidental death of pedigree pet coverage | Up to SGD500 for any one accident |
| Removal of debris coverage | Up to SGD3,500 |
| Personal liabilities coverage | SGD1,000,000 |
| Personal accident protection coverage | SGD10,000 per person |
| Coverage | Interior decoration/ refurbishment protection coverage |
|---|---|
| New replacement cost/ insured limits | 15% of sum insured or up to SGD20,000, 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 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 | Replacement of personal documents coverage |
| New replacement cost/ insured limits | Up to SGD1,500 |
| Coverage | Frozen food coverage |
| New replacement cost/ insured limits | Up to SGD500 |
| Coverage | Damage to external TV/ radio antenna coverage |
| New replacement cost/ insured limits | Up to SGD250 |
| Coverage | Home alteration coverage |
| New replacement cost/ insured limits | Up to SGD10,000 |
| Coverage | Damage to doors or windows coverage |
| New replacement cost/ insured limits | Up to SGD10,000 |
| Coverage | Accidental death of pedigree pet coverage |
| New replacement cost/ insured limits | Up to SGD500 for any one accident |
| Coverage | Removal of debris coverage |
| New replacement cost/ insured limits | Up to SGD3,500 |
| 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
Find out more about HomeSurance
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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