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Home Insurance

Private Property Owners

New Enhanced Benefit

We are enhancing our coverage effective 1 May 2018.
Please click here for more details.

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:

  • Building, renovated items, fixtures and fittings
  • Contents, furniture and clothing
  • Personal belongings and valuables
  • Worldwide personal effects and identity fraud
  • Personal and tenant liability

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

 

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
Loss or damage to the building.

Up to S$85,000

Up to S$135,000

Up to S$225,000

Customised sum insured

- Loss of rent
 If your home is made uninhabitable due to an insured peril.                       

Up to 20% of building sum insured

- Landlord’s legal liability
Liability as a landlord to your tenants, due to accidental injury or property damage in your property.

S$1,000,000

Homes Advantage Package

Homes Advantage

 

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

Home contents
All-risks cover for your home contents, including furniture, clothing, personal belongings and valuables.

Up to S$20,000

Up to S$35,000

Up to S$50,000

Customised sum insured

- Household contents in commercial storage

Up to 20% of contents sum insured, or S$50,000, whichever is lower
(excess applies)

- Home security system damaged due to theft

Up to S$1,000

- Locks and keys damaged due to theft or robbery

Up to S$500

- Loss of personal cash

Up to S$500

- Frozen food spoilage

Up to S$250 per occurrence (excess of S$50 applies)

- Fire-fighting appliances
If used or destroyed in a fire.

Up to S$500

Homes Advantage Package

Homes Advantage

 

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

Worldwide personal effects

Up to S$2,000

Up to S$2,000

Up to S$2,000

Optional add-on

- Medical expenses due to theft or robbery

Up to S$1,000 per occurrence

Up to S$1,000 per occurrence

Up to S$1,000 per occurrence

Up to S$1,000 per occurrence

- ATM assault

Up to S$1,000 per occurrence

Up to S$1,000 per occurrence

Up to S$1,000 per occurrence

Up to S$1,000 per occurrence

Worldwide personal liability

Up to S$1,000,000

Alternative accommodation
If your home is made uninhabitable due to insured perils.

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

Homes Advantage Package

Homes Advantage

 

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

Bill Relief Protector
Covers your utilities bill in unforeseen events including retrenchments

Up to S$3,000

Up to S$3,000

Up to S$3,000

Up to S$3,000

Learn more about Home Insurance for Private Property owners offerings

 

Extend your coverage

 

Homes Advantage Package
 

Benefit

Premium

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

Benefit

Coverage

Premium

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

Premium

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

Who it is for

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.

 

Buy Homes Advantage Package Plan

Buy Homes Advantage Plan

Support

Call us

Enquiries: 6419 3000

Enquire online

Send an enquiry

Claims

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