Homes Advantage Package

Choose from a selection of Classic, Superior or Premier plans and enjoy the following benefits:

Comprehensive Protection

First loss Policy
With first loss protection, you do not have to worry about being penalised for under-insuring your home. Select your preferred coverage from one of the three plans that best suits your needs.

All-Risks Cover including Full Theft for Household Contents
For protection of your household contents*, take comfort in knowing that we provide all-risks coverage. Furthermore, full theft cover is assured and you need not provide proof of forcible entry in the event of a claim.

High Limits of Coverage for Unscheduled Items
Enjoy high limits of coverage up to $10,000 per item for household contents*. With Homes Advantage Package plan, items that you wish to insure need not be declared, allowing you a fuss-free insurance purchase experience. 

Complimentary Benefits

Alternative Accommodation
We cover alternative accommodation expense within Singapore up to a specific limit if your home is made uninhabitable due to loss or damage to your building or contents.

$1 Million Worldwide Personal Liability
Additionally, you and your family are also protected worldwide against any potential third party claims due to bodily injuries or damage to their properties for up to $1 million.

Optional Covers

Home Advantage Package plan gives you the choice of adding lifestyle protection depending on your needs. Choose from our wide range of benefits such as protection against Tenant’s Liability, Worldwide Identity Fraud Cover, Bicycle Cover and Multi-Appliances Extended Warranty.

Note:
*Contents refer to fixtures and fittings added by you and/or the former owner of the building, including your interior decorations, furniture, furnishings, clothing, personal belongings and valuables but exclude deeds, bonds, bills of exchange, promissory notes, cheques, travellers’ cheques, securities for money, documents of any kind, cash and currency notes. Fixtures and fittings added by you/or the former owner of the building will be excluded if building coverage is purchased.

1. What are the insured perils covered under contents in Homes Advantage Package plan?
   
   Contents coverage in Homes Advantage Package plan is an all risks cover, which protects you and your family against all perils, subject to policy terms and conditions.

2. Do I need to itemise my home contents that I want to insure?
   
   The home contents benefit under the Homes Advantage Package plan provides high limits of coverage of up to $10,000 per item and the items need not be itemised.

3. If I want to insure my painting that is worth more than $10,000, can I do so under Homes Advantage Package plan?
   
   Homes Advantage Package plan only provides coverage for individual items up to $10,000 each. If you wish to insure your works of art or valuables that are worth more than $10,000, the maximum claims amount is $10,000 per item. For higher coverage, you may wish to consider the Homes Advantage plan instead which allows you to schedule items exceeding $10,000 each.

4. Are my personal effects covered overseas?
   
   Yes. You and your family’s personal effects are covered worldwide. These include your personal belongings that are physically carried on or worn by you at the time of loss or damage, even when you are overseas.

5. Under Multi Appliance Extended Warranty, do you replace/repair the appliance? What if the parts are no longer available?
   
   Yes. Our repair benefits are up to a maximum of $2,000 during any one policy period. Repairs are undertaken by our appointed repairer should your kitchen or home product be damaged due to mechanical or electrical failure.
   
   Should the parts required for repairs be no longer available, we will pay you cash equivalent to the estimated repair cost. Such cash payment shall not exceed $300.

6. Will I be penalised for under-insurance?
   
   No. Homes Advantage Package plan is a first loss policy and you need not worry about being penalised for under-insurance.

7. Who shall I call if I need assistance on policy related matters or to make a claim? What documents must I submit in the event of claim?
   
   You may like to contact your servicing agent. Alternatively, you can contact us at
   6419 3000 from Mon – Fri between 9am – 5pm for assistance or to report a claim. 

   In the event of a claim, you need to provide proof of ownership, receipt, a valuation report and such other documents as may be required by us.

Enjoy an additional 5% discount off your Homes Advantage Package policy premium if you have an existing annual consumer lines’ policy with us!

Recommended for HDB Apartments

1. Enhanced Public Housing Contents Insurance

2. Homes Complete

3. Public Housing Protection Plan 

Recommended for Condominiums

1. HomePlus

2. Premier Home Assurance

Recommended for Private Properties

1. Homes Advantage

1.