Premier Home Assurance

Basic Coverage

• Renovation, Fixtures and Fittings and Household Contents

• Alternative Accommodation Expenses

• Accidental Breakage of Fixed Glass

• Replacement of Locks and Keys due to Theft by Violent and Forcible Entry

• Accidental Death or Loss of Pedigree Pets

Extended Benefits

Worldwide Personal Accident Cover

Whether you are at home or overseas, this benefit gives you and your family the complete protection, 24 hours a day.

Worldwide Personal Liability Cover

With worldwide personal liability cover, you and your family are assured of 24 hours worldwide protection against any potential third party claims for bodily injuries or damages to their properties.

Worldwide Medical Reimbursement Cover

With worldwide medical reimbursement, you and your family are covered for any inpatient and/or outpatient expenses incurred as a result of an accidental injury.

1. Does excess apply for any of the listed insured perils?
   
   A nominal excess of $100 applies for resultant damage caused by bursting or overflowing water tanks, apparatus or pipes. Excess of $100 also applies for malicious damage, hurricane, typhoon, cyclone, windstorm including flooding or overflowing of the sea, earthquake or volcanic eruption.

2. 2: Are the replacement of my locks and keys covered in the event of a violent and/or forcible break-in?
   
   Yes. The company shall cover locks and keys replacement following a violent and/or forcible break-in up to $250 within the policy year.

3. Does Premier Home Assurance insurance plan provide cover for pets?
   
   Yes. Premier Home Assurance insurance plan covers accidental death/theft of pedigree pets up to an aggregate limit of $500 per policy year. Documentary proof of ownership and pedigree certification is required upon claim.

4. Can I pay additional premium to increase the sum insured?
   
   Under Premier Home Assurance insurance plan, you have the flexibility to include optional building and household contents coverage. For building cover, this is at a nominal sum of $64.20/year per $100,000 sum insured. Additional premium for household contents is at $32.10/year per $10,000 sum insured.

5. If I move house during my policy period, what happens to my policy?
   
   If you are moving to another residence within Singapore, simply inform us in writing and we will amend your address in the policy schedule.

6. What happens if I want to change to another home insurance plan or cancel my existing policy?
   
   Should you request for a change in home insurance plan, a replacement policy will be issued. If there is unused premium to be refunded, it will be on a pro-rated basis.
   
   If there is no replacement policy, the refund will be based on 80% of pro-rated unused portion of the premium, subject to a minimum premium of $35.

7. How do I file a claim?
   
   Simply call our hotline at 6419 3000 and our customer service officer will attend to you. If necessary, a loss adjustor will be appointed to assess the damages/claims.  

At your option, additional covers are available for:

Household Contents

$32.10 for every $10,000 additional sum insured  
 
Building

$64.20 for every $100,000 additional sum insured

Recommended for HDB Apartments

1. Enhanced Public Housing Contents Insurance

2. Homes Complete

3. Public Housing Protection Plan

Recommended for Condominiums

1. Homes Advantage Package

2. HomePlus

Recommended for Private Properties

1. Homes Advantage