(a) The apartment, condominium, cluster housing or HDB flat which includes the building structure based on the standard specifications by the property developer or HDB (but not the foundations and drains). It shall exclude all common areas and/or facilities that are provided by the property developer or HDB for common use or such areas and/or facilities that are under the care of the Town Council or MCST.
(b) The landed property located at the Location of Risk, which includes the building structure which is built of brick, stone or concrete and roofed with concrete, tiles or slates and/or other incombustible materials (but not the foundations and drains), together with the garages, outbuildings, hard courts and in-ground pools, drive paths, patios, terrace, landscaping and the walls, gates and fences and other private areas.
Renovations, Fixtures and Fittings
Any installations and additions made within the Insured Dwelling in the form of fixtures and fittings, except those supplied by the developer of the Insured Dwelling. This includes flooring, air-conditioners, built-in wardrobes and kitchen cabinets, but does not include any part of the Insured Dwelling itself.