Premium home cover with 3 package plans to choose from. Extensive benefits include all-risks home contents cover and $1 million worldwide personal liability cover.


Homes Advantage Package Plan is our most comprehensive packaged home cover for protection in any situation. It is a first-loss policy and provides all-risks cover for contents.                                                                                                              

You can rest assured knowing that you are well protected. Coverage extends to you and your immediate family whether you're at home or travelling abroad.


First loss protection

With a first loss policy, you won't have to worry about being penalised for under-insuring your home. Select the coverage that best suits your needs and we will pay up to the maximum sum insured.

All-risks cover for household contents

Your household contents are covered for all risks, subject to policy terms and conditions. If a break-in occurs, full theft cover means that you do not require proof of forcible entry to make a claim.

High coverage limit

We will cover individual items under your household contents for up to $10,000 each. You need not provide a listing of items that you want to insure, so there's less paperwork to fill out. 

Protection that extends worldwide

Even away from home, you and your immediate family are protected with worldwide personal effects cover up to $2,000 and up to $1 million in personal liability cover.


Owners of executive condominiums, private condominiums or landed homes who want the convenience of a packaged plan with premium benefits.

This plan is not recommended for:

  • Owners of private homes who want flexible cover and are insuring items of more than $10,000 each (see Homes Advantage instead).


(Annual limit)

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Loss or damage to the building from insured perils

Includes cover for:

  • Loss of rent if your home is uninhabitable as a result of insured perils - 20% of sum insured
  • Legal liability as a landlord to your tenants due to accidental injury or property damage in your home





All-risks cover for household contents such as fixtures and fittings, furniture and other personal belongings

Includes cover for:

  • Household contents kept at a commercial storage facility - up to 20% of the sum insured or $50,000, whichever is lower
  • Home security system damaged due to theft - up to $1,000
  • Locks and keys damaged due to theft or robbery - up to $500
  • Medical expenses due to theft or robbery - up to $1,000 per occurrence
  • Loss of personal cash - up to $500
  • Frozen food spoilage - up to $250 per occurrence (excess of $50 applies for each claim)
  • Fire-fighting appliances used of destroyed in a fire - up to $500

Note: Excess of $100 applies for each claim for items below $10,000




Worldwide Personal Effects Cover

  • Covers you and your family against loss or damage to personal effects you are carrying or wearing anywhere in the world
  • Medical expenses due to theft outside your home - up to $1,000 per occurrence
  • ATM assault - up to $1,000 per occurrence (excess of $200 applies for each claim)




Worldwide Personal Liability (Free)
For you and your immediate family’s legal obligation




Alternative Accommodation (Free)
If your home is made uninhabitable due to insured perils

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

Annual premium (Inclusive of 7% GST)





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.

You can add lifestyle protection depending on your needs:


Coverage (Annual limit)


(Inclusive of 7% GST)

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.




You can also add building and home contents cover at these rates:



Additional Home Contents Cover    

$37.45 for every $10,000 sum insured

Additional Building Cover

$11.77 for every $20,000 sum insured  

*Inclusive of 7% GST

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

You will need to provide documents such as proof of ownership, receipt and valuation report.

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

Buy This Plan

To buy this plan, you can: