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Build the protection you need for your home and its contents

Your home protection needs are as unique as your property. AIG's Homes Advantage Package plan and Homes Advantage custom plan let you tailor coverage for your home and belongings, protecting everything from the walls and windows to furniture and valuables. Opt for the convenience of a complete package, or set your own coverage with a custom plan.

 

Why buy home insurance?

Your home is much more than just four walls and a ceiling. If you have a mortgage on your property, you probably already have fire insurance. In general, basic fire insurance covers your property's physical structure. It usually does not cover the things that make it your home – your belongings, valuables and any improvements you might have made.

A home insurance plan helps to protect not only the structure but also the contents of your home, against unexpected events like a flood, fire or theft.

With its affordable premiums, AIG's home insurance is a sensible way to safeguard your biggest asset.

 


AIG's home insurance plans include cover for:

 

Private Property Coverage

Key benefits

All-risk cover for contents

Be protected in nearly any situation. Your home contents are covered for all risks.*

First loss protection 

With Homes Advantage Package, select the coverage that best suits your needs and we will pay up to the sum insured.*

Name your own coverage

Need greater flexibility? Our custom Homes Advantage plan lets you set your coverage, including for high-value items above S$10,000.

Worldwide personal liability cover

You and your family are protected with personal liability cover of up to S$1,000,000 anywhere in the world.

Alternative accommodation 

If your home becomes uninhabitable, we will cover expenses for temporary accommodation, and even loss of rent if you are a landlord.

*Subject to policy terms and conditions

What is covered?

Homes Advantage Package
Homes Advantage

Complete package with option to increase building and contents cover

Customisable cover, including high-value items

Classic

Superior

Premier

(Custom)

Annual premium
(includes 7% GST)

S$199.82

S$285.42

S$394.56

Contact us or your producer today for a quote

Benefits summary

Building cover
For insured perils

Up to S$85,000

Up to S$135,000

Up to S$225,000

Customised sum insured

Home contents
All-risks within location

Home contents includes cover for:

  • Household contents in commercial storage
  • Home security system damaged due to theft
  • Locks and keys damaged due to theft or robbery
  • Loss of personal cash
  • Frozen food spoilage
  • Fire-fighting appliances

S$20,000

 

 

 

S$35,000

 

 

S$50,000

Customised sum insured

Worldwide personal effects

S$2,000

S$2,000

S$2,000

Optional add-on

Worldwide personal liability

S$1,000,000

Landlord’s legal liability

S$1,000,000

Alternative accommodation

Up to 10% of the building sum insured, 20% of the contents sum insured, or S$20,000 (whichever is lowest)

View Full Benefits Comparison for Homes Advantage Package and Homes Advantage

Homes Advantage Package
Homes Advantage

Brochure

Download

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Extend your coverage

Additional building and contents cover

Benefit
Premium
(includes 7% GST)

Additional building cover  up to S$500,000

S$11.77 for every S$20,000 sum insured

Additional home contents cover – up to S$100,000

S$37.45 for every S$10,000 sum insured

Optional add–ons

Benefit
Coverage
(annual limit)
Premium
(includes 7% GST)

Worldwide Identity Fraud Cover

Monetary loss from identity fraud anywhere in the world.

Up to S$10,000

  • Individual - S$37.45
  • Family - S$64.20

Legal fees, lost wages or other incidental costs you incur in Singapore to resolve identity fraud issues up to S$10,000.

Up to S$20,000

  • Individual - S$80.25
  • Family - S$128.40

Multi-Appliance Extended Warranty

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

Up to S$2,000

S$149.80

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

Up to S$2,000

S$304.95

Bicycle Cover

For loss or damage to one bicycle due to theft outside your home.

Up to S$1,000

S$26.75

Tenant's Liability

Covers tenant's legal liability to the landlord.

Up to S$100,000

S$53.50

Benefit
Coverage
(annual limit)
Premium
(includes 7% GST)

Domestic Workers

Covers you against legal liability to your domestic worker due to injuries from injury or disease arising out of employment with you.

Up to S$10,000 per domestic worker

S$26.75 per individual

Worldwide Personal Effects Cover

Covers loss or damage to personal effects you are carrying or wearing while outside the home or travelling.

  • Individual: Up to S$2,000
  • Proposer and spouse: Up to S$5,000
  • Family: Up to $10,000
  • Customised sum insured
  • Individual - S$29.96
  • Proposer and spouse - S$133.75
  • Family - S$374.50
  • Customised: subject to approval

- Replacement of locks and keys if they are stolen

Up to S$500

 

- Medical expenses due to theft outside your home

Up to S$1,000 per occurrence

 

- Loss or damage suffered as a result of ATM assault

Up to S$1,000 per occurrence

 

Before you buy

Homes Advantage Package and Homes Advantage are suitable for owners of condominiums or landed homes, as well as for HDB flat owners who want a higher level of cover.

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Buy this plan

Homes Advantage Package
Homes Advantage

PDF Application Form

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Enquiries: 6419 3000

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