Flexible building and home contents cover with protection for high-value items. You can choose your desired level of coverage and add lifestyle benefits for personal effects, identity fraud and many more.


If you have a high-value home or collect valuables such as fine art, antiques or jewellery, a basic packaged home protection plan may not be sufficient for your needs. 

With Homes Advantage, you can now choose your preferred cover based on your specific needs. Start with your main building or contents coverage and then tailor your plan with suitable coverage for your valuables or added benefits to cover personal effects, identity fraud, tenant’s liability and many more.


Tailored coverage

Homes Advantage is fully customisable. You can choose a level of building or contents cover suited to the home you own and enhance your coverage with a suite of options for your lifestyle. It's a level of personalisation you won't find in other packaged plans.

Protect high-value items

Homes Advantage covers even your most precious possessions, whether it is works of art, jewellery, watches or other items of exceptional value. You can itemise your valuables so each piece is covered for your peace of mind. Contents cover under Homes Advantage is for all risks*.

*Subject to policy terms and conditions

Special add-on benefits

A suite of options means that you can get the right protection for your specific needs. Choose from worldwide cover such as personal effect and identity fraud, or covers for your domestic helper’s medical expenses, bicycle theft or tenant’s liability.

Bonus rental and tenant cover

We will pay up to 20% of the building sum insured if you suffer a loss in rent because your home is damaged by a covered loss. You are also covered for up to $1,000,000 if your tenants claim against you for accidental injury on your property.


Owners of executive condominiums, private condominiums or landed homes who want a customisable plan for high-value items.

This plan is not recommended for:

  • Owners of private homes who prefer a packaged home insurance plan.
  • Owners of HDB flats.


Coverage (annual limit)

Covers loss or damage to the building arising from Insured Perils1

Customised sum insured

Loss of rent if your home is uninhabitable as a result of Insured Perils1

20% of building sum insured2

Legal liability as a landlord to your tenants due to accidental injury or property damage in your home


Household Contents

  • All risks cover for household contents such as fixtures and fittings3, furniture, personal belongings and valuables4 belonging to you and your immediate family
  • Individual items above $10,000 in value can be added as Scheduled Items for full coverage

Customised sum insured

Household contents kept at a commercial storage facility.
(For each claim below $10,000, excess of $100 applies. For each claim for items above $10,000, excess of $250 applies.)

20% of the sum insured or $50,000, whichever is lower

Home security system damaged due to theft


Locks and keys damaged due to theft


Medical expenses due to theft

$1,000 per occurrence

Loss of personal cash


Frozen food spoilage
(Excess of $50 applies for each claim)

$250 per occurrence

Fire-fighting appliances used or destroyed in a fire


Medical expenses due to theft outside your home

$1,000 per occurrence

ATM assault

$1,000 per occurrence

Worldwide Personal Liability (free)
For you and your immediate family's legal obligation


Alternative Accommodation (free)
If your home is made uninhabitable due to a covered loss

Up to 10% on the sum insured for building, 20% on the sum insured for contents or $20,000, whichever is lowest


  1. The insured perils include fire, lightning, explosion or spontaneous combustion, smoke damage, earthquake, bursting and overflowing water pipes, vehicle and aircraft damage, riot and strike, and theft by violent and forcible entry.
  2. Applicable only if building cover is taken up.
  3. Fixtures and fittings will fall under building cover if that is chosen.
  4. Valuables refer to gold, silver and other precious metals, jewellery, fur, pens and watches.

You can add a suite of lifestyle protection benefits* depending on your needs:



(Annual limit)  


(Inclusive of 7% GST)

Worldwide Personal Effects Cover
Covers loss or damage to personal effects you are carrying or wearing while outside the home or travelling. Individual and family plans available.

  • Individual: $2,000
  • Proposer and Spouse: $5,000
  • Family: $10,000
  • Customised Sum Insured
  • Individual - $29.96
  • Proposer and spouse - $133.75
  • Family - $374.50
  • Customised: Subject to Approval

Replacement of locks and keys if they are stolen


Medical expenses due to theft outside your home

$1,000 per occurrence

Loss or damage suffered as a result of ATM assault

$1,000 per occurrence

Worldwide Identity Fraud Cover

  • Covers monetary loss from identity fraud anywhere in the world
  • Individual and family plans available
  • Legal fees, lost wages or other incidental costs you incur in Singapore to resolve identity fraud issues up to $10,000


Individual - $37.45

Family: $64.20


Individual - $80.25

Family: $128.40

Multi-Appliance Extended Warranty
Covers your appliances and equipment against mechanical and electrical failure.

Choose from:

  • Kitchen products such as microwave oven, refrigerator, cooker hood and hob


  • Home products such as washer, dryer, television, audio equipment and air-conditioner



  • Bicycle Cover
    For loss or damage to one bicycle due to theft outside your home


  • Tenant's Liability
    Covers tenant's legal liability to the landlord


  • Domestic Servants
    Covers you against legal liability to your domestic servant due to injuries from an accident or disease arising out of employment with you


$26.75 per individual

*All benefits are subject to policy terms and conditions.

Homes Advantage plan offers customised home cover. For a quote, please contact your agent/broker or download the Homes Advantage proposal form, and send us the completed form here

To file a claim, call our hotline at 6419 3000.

For detailed instructions and claims forms, visit the home insurance claims page.

Buy This Plan

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