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 December 2023, 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 | Sum Insured (up to) for Supreme Plan | Sum Insured (up to) for Deluxe Plan | Sum Insured (up to) for Classic Plan |
|---|---|---|---|
| Home Contents and Renovations: Contents – household contents and personal belongings* | $300,000 | $150,000 | $75,000 |
| Home Contents and Renovations: Renovations – improvements and additions to your Home not forming part of the Building | $300,000 | $150,000 | $75,000 |
| Home Contents and Renovations: Physical loss or damage to your Home Contents and Renovations caused by fire, lightning, domestic explosion, windstorm, flood, bursting or overflowing of water tanks, pipes, earthquake, volcanic eruption, aircraft, impact by land vehicles, riot, strike, civil commotion, malicious acts, theft or burglary in your home** | $300,000 | $150,000 | $75,000 |
| Worldwide Personal Liability: Personal legal liability for you and your family including liability as a tenant for up to $500,000 | $1,000,000 in the aggregate | $1,000,000 in the aggregate | $1,000,000 in the aggregate |
| Property Owner's Liability: Legal liability arising from your ownership of the Building provided cover for the Building is taken up | $1,000,000 in the aggregate | $1,000,000 in the aggregate | $1,000,000 in the aggregate |
| Worldwide Accident 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:
|
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 or up to $10,000 whichever is higher | Up to 7.5% of the Sum Insured under Home Contents and Renovations or up to $10,000 whichever is higher | Up to 7.5% of the Sum Insured under Home Contents and Renovations or up to $10,000 whichever is higher |
| 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, and Building (if covered) | Up to 5% of the Sum Insured under Home Contents and Renovations, and Building (if covered) | Up to 5% of the Sum Insured under Home Contents and Renovations, and Building (if covered) |
| 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 accident of your domestic dog or cat in your home | $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 by third parties | $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 for up to 14 days, subject to $500 for any one item. Monetary loss due to unauthorised use of credit cards or ATM cards taken from your home by third parties | $500 | $500 | $500 |
| 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 of less than 5 years old due to failure of the freezer | $750 | $750 | $750 |
| Damage to Security Systems: Damage as a result of theft or any attempted theft | $800 | $600 | $400 |
| Conservancy Charges: Pays your monthly service and conservancy charges in the event your home is uninhabitable following loss or damage | $800 | $600 | $400 |
| Fraud or Dishonesty of Domestic Servants: Monetary loss suffered due to fraud or dishonesty of your domestic servants living in your home | Covered under Contents | Covered under Contents | Covered under Contents |
| 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 | Home Contents and Renovations: Contents – household contents and personal belongings* |
|---|---|
| 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 | Home Contents and Renovations: 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 | Home Contents and Renovations: Physical loss or damage to your Home Contents and Renovations caused by fire, lightning, domestic explosion, windstorm, flood, bursting or overflowing of water tanks, pipes, earthquake, volcanic eruption, aircraft, impact by land vehicles, riot, strike, civil commotion, malicious acts, theft or burglary in your home** |
| 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 including liability as a tenant for up to $500,000 |
| Sum Insured (up to) for Supreme Plan | $1,000,000 in the aggregate |
| Sum Insured (up to) for Deluxe Plan | $1,000,000 in the aggregate |
| Sum Insured (up to) for Classic Plan | $1,000,000 in the aggregate |
| Benefits Summary | Property Owner's Liability: Legal liability arising from your ownership of the Building provided cover for the Building is taken up |
| Sum Insured (up to) for Supreme Plan | $1,000,000 in the aggregate |
| Sum Insured (up to) for Deluxe Plan | $1,000,000 in the aggregate |
| Sum Insured (up to) for Classic Plan | $1,000,000 in the aggregate |
| Benefits Summary | Worldwide Accident 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:
|
| 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 or up to $10,000 whichever is higher |
| Sum Insured (up to) for Deluxe Plan | Up to 7.5% of the Sum Insured under Home Contents and Renovations or up to $10,000 whichever is higher |
| Sum Insured (up to) for Classic Plan | Up to 7.5% of the Sum Insured under Home Contents and Renovations or up to $10,000 whichever is higher |
| 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, and Building (if covered) |
| Sum Insured (up to) for Deluxe Plan | Up to 5% of the Sum Insured under Home Contents and Renovations, and Building (if covered) |
| Sum Insured (up to) for Classic Plan | Up to 5% of the Sum Insured under Home Contents and Renovations, and Building (if covered) |
| 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 accident of your domestic dog or cat in your home |
| 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 by third parties |
| 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 for up to 14 days, subject to $500 for any one item. Monetary loss due to unauthorised use of credit cards or ATM cards taken from your home by third parties |
| 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 | 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 of less than 5 years old due to failure of the freezer |
| 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 attempted theft |
| 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 following loss or damage |
| 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 of your domestic servants living in your home |
| Sum Insured (up to) for Supreme Plan | Covered under Contents |
| Sum Insured (up to) for Deluxe Plan | Covered under Contents |
| Sum Insured (up to) for Classic Plan | Covered under Contents |
| 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 |
* MSIG will not pay for more than 30% of the Sum Insured on Contents in respect of Valuables, or more than 5% of the Sum Insured on Contents for any one article (except furniture, personal computers, audio and video equipment, pianos or organs) or $6,000 whichever is the lower.
** An excess of $100 applies to damage due to hurricane, cyclone, typhoon, windstorm, flood, water discharged, overflowing or leaking from pipes, water systems, roofs, roof guttering and down pipe.
| Optional Cover Summary | Sum Insured (up to) for Supreme Plan, Deluxe Plan and Classic Plan |
|---|---|
| Building: Physical loss or damage to your residential Building caused by fire, lightning, domestic explosion, windstorm, flood, bursting or overflowing of water tanks, pipes, earthquake, volcanic eruption, aircraft, impact by land vehicles, riot, strike, civil commotion, malicious acts, theft or burglary in your home** | Sum Insured shall reflect the cost of reinstatement of the house, apartment or flat, including walls, gates, fences, footpath, swimming pool, patios, terraces, driveways, permanent fixtures and fittings at the insured address, but excludes foundations and drains. |
| Optional Cover Summary | Building: Physical loss or damage to your residential Building caused by fire, lightning, domestic explosion, windstorm, flood, bursting or overflowing of water tanks, pipes, earthquake, volcanic eruption, aircraft, impact by land vehicles, riot, strike, civil commotion, malicious acts, theft or burglary in your home** |
|---|---|
| Sum Insured (up to) for Supreme Plan, Deluxe Plan and Classic Plan | Sum Insured shall reflect the cost of reinstatement of the house, apartment or flat, including walls, gates, fences, footpath, swimming pool, patios, terraces, driveways, permanent fixtures and fittings at the insured address, but excludes foundations and drains. |
* MSIG will not pay for more than 30% of the Sum Insured on Contents in respect of Valuables, or more than 5% of the Sum Insured on Contents for any one article (except furniture, personal computers, audio and video equipment, pianos or organs) or $6,000 whichever is the lower.
** An excess of $100 applies to damage due to hurricane, cyclone, typhoon, windstorm, flood, water discharged, overflowing or leaking from pipes, water systems, roofs, roof guttering and down pipe.
Benefits
| 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 Renovations: Contents – household contents and personal belongings* | $300,000 | $150,000 | $75,000 |
| Home Contents and Renovations: Renovations – improvements and additions to your Home not forming part of the Building | $300,000 | $150,000 | $75,000 |
| Home Contents and Renovations: Physical loss or damage to your Home Contents and Renovations caused by fire, lightning, domestic explosion, windstorm, flood, bursting or overflowing of water tanks, pipes, earthquake, volcanic eruption, aircraft, impact by land vehicles, riot, strike, civil commotion, malicious acts, theft or burglary in your home** | $300,000 | $150,000 | $75,000 |
| Worldwide Personal Liability: Personal legal liability for you and your family including liability as a tenant for up to $500,000 | $1,000,000 in the aggregate | $1,000,000 in the aggregate | $1,000,000 in the aggregate |
| Property Owner's Liability: Legal liability arising from your ownership of the Building provided cover for the Building is taken up | $1,000,000 in the aggregate | $1,000,000 in the aggregate | $1,000,000 in the aggregate |
| Worldwide Accident 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:
|
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 or up to $10,000 whichever is higher | Up to 7.5% of the Sum Insured under Home Contents and Renovations or up to $10,000 whichever is higher | Up to 7.5% of the Sum Insured under Home Contents and Renovations or up to $10,000 whichever is higher |
| 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, and Building (if covered) | Up to 5% of the Sum Insured under Home Contents and Renovations, and Building (if covered) | Up to 5% of the Sum Insured under Home Contents and Renovations, and Building (if covered) |
| 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 accident of your domestic dog or cat in your home | $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 by third parties | $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 for up to 14 days, subject to $500 for any one item. Monetary loss due to unauthorised use of credit cards or ATM cards taken from your home by third parties | $500 | $500 | $500 |
| 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 of less than 5 years old due to failure of the freezer | $750 | $750 | $750 |
| Damage to Security Systems: Damage as a result of theft or any attempted theft | $800 | $600 | $400 |
| Conservancy Charges: Pays your monthly service and conservancy charges in the event your home is uninhabitable following loss or damage | $800 | $600 | $400 |
| Fraud or Dishonesty of Domestic Servants: Monetary loss suffered due to fraud or dishonesty of your domestic servants living in your home | Covered under Contents | Covered under Contents | Covered under Contents |
| 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 | Home Contents and Renovations: Contents – household contents and personal belongings* |
|---|---|
| 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 | Home Contents and Renovations: 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 | Home Contents and Renovations: Physical loss or damage to your Home Contents and Renovations caused by fire, lightning, domestic explosion, windstorm, flood, bursting or overflowing of water tanks, pipes, earthquake, volcanic eruption, aircraft, impact by land vehicles, riot, strike, civil commotion, malicious acts, theft or burglary in your home** |
| 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 including liability as a tenant for up to $500,000 |
| Sum Insured (up to) for Supreme Plan | $1,000,000 in the aggregate |
| Sum Insured (up to) for Deluxe Plan | $1,000,000 in the aggregate |
| Sum Insured (up to) for Classic Plan | $1,000,000 in the aggregate |
| Benefits Summary | Property Owner's Liability: Legal liability arising from your ownership of the Building provided cover for the Building is taken up |
| Sum Insured (up to) for Supreme Plan | $1,000,000 in the aggregate |
| Sum Insured (up to) for Deluxe Plan | $1,000,000 in the aggregate |
| Sum Insured (up to) for Classic Plan | $1,000,000 in the aggregate |
| Benefits Summary | Worldwide Accident 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:
|
| 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 or up to $10,000 whichever is higher |
| Sum Insured (up to) for Deluxe Plan | Up to 7.5% of the Sum Insured under Home Contents and Renovations or up to $10,000 whichever is higher |
| Sum Insured (up to) for Classic Plan | Up to 7.5% of the Sum Insured under Home Contents and Renovations or up to $10,000 whichever is higher |
| 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, and Building (if covered) |
| Sum Insured (up to) for Deluxe Plan | Up to 5% of the Sum Insured under Home Contents and Renovations, and Building (if covered) |
| Sum Insured (up to) for Classic Plan | Up to 5% of the Sum Insured under Home Contents and Renovations, and Building (if covered) |
| 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 accident of your domestic dog or cat in your home |
| 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 by third parties |
| 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 for up to 14 days, subject to $500 for any one item. Monetary loss due to unauthorised use of credit cards or ATM cards taken from your home by third parties |
| 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 | 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 of less than 5 years old due to failure of the freezer |
| 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 attempted theft |
| 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 following loss or damage |
| 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 of your domestic servants living in your home |
| Sum Insured (up to) for Supreme Plan | Covered under Contents |
| Sum Insured (up to) for Deluxe Plan | Covered under Contents |
| Sum Insured (up to) for Classic Plan | Covered under Contents |
| 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 |
* MSIG will not pay for more than 30% of the Sum Insured on Contents in respect of Valuables, or more than 5% of the Sum Insured on Contents for any one article (except furniture, personal computers, audio and video equipment, pianos or organs) or $6,000 whichever is the lower.
** An excess of $100 applies to damage due to hurricane, cyclone, typhoon, windstorm, flood, water discharged, overflowing or leaking from pipes, water systems, roofs, roof guttering and down pipe.
Add-ons (Optional)
| Optional Cover Summary | Sum Insured (up to) for Supreme Plan, Deluxe Plan and Classic Plan |
|---|---|
| Building: Physical loss or damage to your residential Building caused by fire, lightning, domestic explosion, windstorm, flood, bursting or overflowing of water tanks, pipes, earthquake, volcanic eruption, aircraft, impact by land vehicles, riot, strike, civil commotion, malicious acts, theft or burglary in your home** | Sum Insured shall reflect the cost of reinstatement of the house, apartment or flat, including walls, gates, fences, footpath, swimming pool, patios, terraces, driveways, permanent fixtures and fittings at the insured address, but excludes foundations and drains. |
| Optional Cover Summary | Building: Physical loss or damage to your residential Building caused by fire, lightning, domestic explosion, windstorm, flood, bursting or overflowing of water tanks, pipes, earthquake, volcanic eruption, aircraft, impact by land vehicles, riot, strike, civil commotion, malicious acts, theft or burglary in your home** |
|---|---|
| Sum Insured (up to) for Supreme Plan, Deluxe Plan and Classic Plan | Sum Insured shall reflect the cost of reinstatement of the house, apartment or flat, including walls, gates, fences, footpath, swimming pool, patios, terraces, driveways, permanent fixtures and fittings at the insured address, but excludes foundations and drains. |
* MSIG will not pay for more than 30% of the Sum Insured on Contents in respect of Valuables, or more than 5% of the Sum Insured on Contents for any one article (except furniture, personal computers, audio and video equipment, pianos or organs) or $6,000 whichever is the lower.
** An excess of $100 applies to damage due to hurricane, cyclone, typhoon, windstorm, flood, water discharged, overflowing or leaking from pipes, water systems, roofs, roof guttering and down pipe.
How to buy HomeSure
Buy HomeSure online now
Alternatively, you may submit your claims via mail
Important Notes
This product is underwritten by MSIG Insurance (Singapore) Private Limited ("MSIG") and distributed by HSBC Bank (Singapore) Limited ("HSBC"). It is not an obligation of, a deposit in or guaranteed by HSBC. Full details of the terms, conditions and exclusions of this insurance are provided in the policy and will be sent to you upon acceptance of your application by MSIG. This is not a contract of insurance. It does not constitute an offer to buy an insurance product or service. It is also not intended to provide any insurance or financial advice.
This policy is protected under the Policy Owner's Protection Scheme which is administered by the Singapore Deposit Insurance Corporation ("SDIC"). For more information on the scheme, please visit the General Insurance Association www.gia.org.sg or SDIC www.sdic.org.sg websites.
The information and opinions contained in this website are for information only, have been obtained from sources believed to be reliable, but HSBC makes no representation or warranty as to their adequacy, completeness, accuracy or timeliness for any particular purpose, are subject to change without notice, and are not intended for distribution to, or use by, any person or entity outside Singapore or in any jurisdiction or country where such distribution or use would be contrary to law, regulation or rule. HSBC does not undertake an obligation to update the information or to correct any inaccuracy that may become apparent at a later time.
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