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Protect your building, home contents and family

When you buy a flat, you are investing in your family’s stability, memories and future. Protect that investment with AIG’s Public Housing Protection Plan (PHPP) or Enhanced Public Housing Contents Insurance (EPHCI). The plans build on your HDB Fire Insurance, adding coverage for your renovated items, furniture, valuables, and even personal liability for you and your immediate family.

 

What is home insurance?

When it comes to protecting your home, it is important to understand the difference between HDB Fire Insurance and home insurance.

In general, the HDB Fire Insurance covers only your property's building structure. AIG home insurance not only covers the building, but also the things within your flat – your household contents, valuables and renovated items – against insured perils such as fire, burst water pipes and break-ins.

The cost of repairing your home and replacing possessions can be substantial. We have paid claims as large as S$95,000 for damage from an electrical fire. With its affordable premiums, AIG's home insurance is a sensible way to safeguard your biggest asset.


AIG's home insurance plans cover:

 

HDB Coverage

Key benefits

Household contents cover

Protect your home and its contents, including your belongings, valuables and renovated items, against insured perils.

Temporary accommodation

Get help with expenses for alternative accommodation if your home is too damaged to live in.

Comprehensive, flexible cover

With PHPP, get comprehensive cover including lock and key, medical expenses and option for extra home contents cover.

Five-year plan available 

With EPHCI, you'll save when you choose a five-year policy term to match your HDB Fire Insurance, with the option to pay by monthly credit card instalments.

Continuous coverage with GIRO 

Sign up for GIRO billing with the convenience of auto-renewal, so your home is always protected.

What is covered?

Enhanced Public Housing Contents Insurance (EPHCI)                                                       
Public Housing Protection Plan (PHPP)                                        

Basic cover for your home contents and  renovations                                   

Building and contents cover, with added protection               

Total sum insured

Three-room – Up to S$632,000    
Studio apt. – S$627,500
Two-room – S$616,500
One-room – S$609,500

Up to S$687,250                 

Annual premium
(includes 7% GST)

S$70.62

S$54.00

Benefits

Household contents

Up to S$150,000

Up to S$20,000

Building

Three-room – Up to S$42,000
Studio apt. – S$37,500
Two-room – S$26,500
One-room – S$19,500

Up to S$100,000

Personal liability
For you and your immediate family.

Up to S$400,000
within insured risk location

Up to S$500,000
worldwide

Personal accident
For you and your spouse aged 65 years and below.

Up to S$20,000 each

Up to S$30,000 each

Alternative accommodation
If your home becomes uninhabitable due to insured perils.

Up to S$20,000

Up to S$3,000

Household contents at temporary premises

-

Up to S$3,000

Replacement of locks and keys

-

Up to S$250

Medical expenses
For you and your spouse aged 65 years and below.

-

Up to S$1,000 each

(Optional) Add additional household contents cover

-

Increase per S$10,000 sum insured, up to S$100,000

Enhanced Public Housing Contents Insurance (EPHCI)
Public Housing Protection Plan (PHPP)

Basic cover for your home contents and renovations

Building and contents cover, with added protection

Total sum insured

Up to S$659,500

Up to S$750,250

Annual premium
(includes 7% GST)

S$70.62

S$81.00

Benefits

Household contents

Up to S$150,000

Up to S$30,000

Building

Up to S$69,500

Up to S$150,000

Personal liability
For you and your immediate family.

Up to S$400,000
within insured risk location

Up to S$500,000
worldwide

Personal accident
For you and your spouse aged 65 years and below.

Up to S$20,000 each

Up to S$30,000 each

Alternative accommodation
If your home becomes uninhabitable due to insured perils.

Up to S$20,000

Up to S$4,500

Household contents at temporary premises

-

Up to S$4,500

Replacement of locks and keys

-

Up to S$250

Medical expenses
For you and your spouse aged 65 years and below.

-

Up to S$1,000 each

(Optional) Add additional household contents cover

-

Increase per S$10,000 sum insured, up to S$100,000

Enhanced Public Housing Contents Insurance (EPHCI)
Public Housing Protection Plan (PHPP)

Basic cover for your home contents and renovations

Building and contents cover, with added protection

Total sum insured

Up to S$666,000

Up to S$813,250

Annual premium
(includes 7% GST)

S$70.62

S$81.00

Benefits

Household contents

 

Up to S$150,000

Up to S$40,000

Building

 

Up to S$76,000

Up to S$200,000

Personal liability
For you and your immediate family.

Up to S$400,000
within insured risk location

Up to S$500,000
worldwide

Personal accident
For you and your spouse aged 65 years and below.

Up to S$20,000 each

Up to S$30,000 each

Alternative accommodation
If your home becomes uninhabitable due to insured perils.

Up to S$20,000

Up to S$6,000

Household contents at temporary premises

-

Up to S$6,000

Replacement of locks and keys

-

Up to S$250

Medical expenses
For you and your spouse aged 65 years and below.

-

Up to S$1,000 each

(Optional) Add additional household contents cover

-

Increase per S$10,000 sum insured, up to S$100,000

Enhanced Public Housing Contents Insurance (EPHCI)
Public Housing Protection Plan (PHPP)

Basic cover for your home contents and renovations

Building and contents cover, with added protection

Total sum insured

Up to S$690,000

Up to S$876,250

Annual premium
(includes 7% GST)

S$70.62

S$81.00

Benefits

Household contents

Up to S$150,000

Up to S$50,000

Building

Up to S$100,000

Up to S$250,000

Personal liability
For you and your immediate family.

Up to S$400,000
within insured risk location

Up to S$500,000
worldwide

Personal accident
For you and your spouse aged 65 years and below.

Up to S$20,000 each

Up to S$30,000 each

Alternative accommodation
If your home becomes uninhabitable due to insured perils.

 

Up to S$20,000

Up to S$7,500

Household contents at temporary premises

-

Up to S$7,500

Replacement of locks and keys

-

Up to S$250

Medical expenses
For you and your spouse aged 65 years and below.

-

Up to S$1,000 each

(Optional) Add additional household contents cover

-

Increase per S$10,000 sum insured, up to S$100,000

Enhanced Public Housing Contents Insurance (EPHCI)
Public Housing Protection Plan (PHPP)

Brochure

Download

Download

Extend your coverage

Additional household contents cover – With PHPP, you can increase your household content cover to up to S$100,000 for an additional S$26.75 annual premium per S$10,000 increase.

 

Before you buy

EPHCI and PHPP cover HDB flats only.

To insure a private property, consider our Homes Advantage plans or Premier Client Solutions.

Buy this plan

Enhanced Public Housing Contents Insurance (EPHCI)
Public Housing Protection Plan (PHPP)

Online Application

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PDF Application Form

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Support

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Enquiries: 6419 3000

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