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HSBC SG
Insurance
HomeSure

Safeguard all that is precious in your home

Home is where the heart is. HomeSure protects the people and contents in your home. Choose between a 1-Year, 2-Year or 3-Year plan and enhance your protection with an optional building coverage.

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Pay less for extended coverage

Enjoy 10% or 20% discount off the standard annual premium when you purchase a 2-Year or a 3-Year plan respectively.

Get covered for what's in your home

Cover renovations, movable household items and personal belongings for up to SGD300,000[@supreme-plan-limit].

Help is just a call away

Never be stranded with MSIG's 24/7 hotline for plumber and electrician referral, and locksmith assistance in Singapore.

Boost your cover

Add on our building insurance coverage for more protection of your home and its contents.

Choose your plan

Compare the key benefit limits between the plans

The following table highlights the key benefits and limits for the Supreme, Deluxe, and Classic plans.

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[@excess-50-renovations]: Contents – household contents and personal belongings[@home-contents-cover-limit] 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
Benefits Summary	Home Contents and Renovations[@excess-50-renovations]: Contents – household contents and personal belongings[@home-contents-cover-limit] 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

Optional Cover Summary
Optional Cover Summary	Sum Insured (up to) for Supreme Plan, Deluxe Plan and Classic Plan
Building[@building-loss-excess-100]: Physical loss or damage to your building	Covered under Building Sum Insured
Building Fees and Costs: Professional fees of Architects, Surveyors and Engineers, clearing and shoring up costs	Covered under Building Sum Insured
Property Owner's Liability: Legal liability arising from your ownership of the Building (provided Section V coverage is taken up)	$1,000,000

Optional Cover Summary
Optional Cover Summary	Building[@building-loss-excess-100]: Physical loss or damage to your building
Sum Insured (up to) for Supreme Plan, Deluxe Plan and Classic Plan	Covered under Building Sum Insured

Optional Cover Summary	Building Fees and Costs: Professional fees of Architects, Surveyors and Engineers, clearing and shoring up costs
Sum Insured (up to) for Supreme Plan, Deluxe Plan and Classic Plan	Covered under Building Sum Insured

Optional Cover Summary	Property Owner's Liability: Legal liability arising from your ownership of the Building (provided Section V coverage is taken up)
Sum Insured (up to) for Supreme Plan, Deluxe Plan and Classic Plan	$1,000,000

For the full details of what's covered, please refer to the HomeSure full benefits summary (PDF).

What you need to know

You can submit claims under your HomeSure insurance plan online, at any time, on the MSIG website.

Submit your claim click this link to submit Property online claim form This link will open in a new window

Alternatively, you may submit your claims via mail:

Buy HomeSure now

Get a quote and apply online

Complete an online application form to get a quote and purchase a HomeSure insurance plan

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If you have any questions or need some assistance, please contact MSIG Singapore.

Frequently asked questions

The cover under your mortgage fire insurance or HDB fire insurance usually relates to the building structure, permanent fixtures and fittings (in connection with your home loan with the bank). Your household contents, personal belongings, improvements and additions to your home, may not be covered under the mortgage fire insurance.

'Contents' refers to household goods and personal effects belonging to you and members of your household including your domestic servant e.g. furniture, furnishings, home appliances, personal computers, books, toys, clothing and other personal belongings including Valuables.

You'll still enjoy all the benefits of a HomeSure plan, even as a tenant. This includes legal liability arising out of a negligent act that causes loss or damange to contents, fixtures and fittings that don't belong to you but which are under your responsibility as a tenant. But please note that normal wear and tear will not be covered.

You will not receive full compensation for your loss or damage where the insured amount is less than 80% of the full rebuilding cost at the time of the occurrence of an insured event. The amount payable will be proportionately reduced by the sum of the under-insurance to the full replacement cost. Refer to the FAQ document for more details.

Currently, you can only use your active HSBC savings or current account to pay the insurance premiums. Click here if you wish to purchase HomeSure using your credit card.

Simply key in a valid promotion code in the 'Promotion Code (Optional)' field under the 'Get Quote' section. Terms and conditions for the home contents insurance promotion code can be found here.

See more frequently asked questions This link will open in a new window

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Notes

This product is underwritten by MSIG Insurance (Singapore) Private Limited ("MSIG") and distributed by HSBC Bank (Singapore) Limited ("HSBC"). It's not an obligation of, a deposit in or guaranteed by HSBC. The full details of the terms, conditions and exclusions of this insurance are provided in the policy and will be sent to you upon MSIG accepting your application. This is not a contract of insurance and MSIG is not agent nor representative of HSBC. It does not constitute an offer to buy an insurance product or service. It's also not intended to provide any insurance or financial advice.

Policy Owners' Protection Scheme

This policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation ("SDIC"). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact MSIG or visit the General Insurance Association www.gia.org.sg or SDIC www.sdic.org.sg website.

The information and contents 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, are restricted for use in Singapore only 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 contents or to correct any inaccuracy that may become apparent at a later time.

Please note (a) the information and contents are intended for general circulation; (b) the information and contents do not take into account the specific objectives, financial situation or particular needs of any particular person; (c) advice should be sought regarding the suitability of the products, taking into account the specific objectives, financial situation or particular needs of any person, before the person makes a commitment to purchase the products; should the person choose not to do so, he should consider carefully whether the product is suitable for that person; in particular, all relevant documentations pertaining to the product should be read to make an independent assessment of the appropriateness of the transaction; and (d) this advertisement has not been reviewed by the Monetary Authority of Singapore, or any regulatory authority elsewhere.

HSBC, its related companies, their directors and/ or employees may have positions or other interests in, and may effect transactions in, the product(s) mentioned here. HSBC may have alliances or other contractual agreements with the provider(s) of the product(s) to market or sell its product(s). In addition, HSBC, their directors and/or employees may also perform or seek to perform broking, investment banking and other banking or financial services for these product providers.

To the extent permitted by law, HSBC accepts no liability whatsoever for any direct indirect or consequential losses, claims or damages arising from or in connection with the use of or reliance on the information, opinions or contents herein.

HomeSure

Safeguard all that is precious in your home

Special offers

Key benefits

Pay less for extended coverage

Get covered for what's in your home

Help is just a call away

Boost your cover

Choose your plan

Compare the key benefit limits between the plans

Benefits

Add-ons (Optional)

What you need to know

Forms and documents

File a HomeSure claim online

Buy HomeSure now

Get a quote and apply online

Frequently asked questions

Why do I need HomeSure insurance when my home is already insured under the mortgage fire insurance with my bank?

Does HomeSure offer more than 1-Year coverage term?

What is the definition of 'Contents'?

How does HomeSure cover me as a tenant of a rental home?

What happens if my Sum Insured is insufficient?

Why am I not able to pay with my HSBC credit card in the mobile app?

How do I use a promotion code?

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Notes

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