HomeBliss provides comprehensive coverage for your home

Wherever you travel, pack some peace of mind.

Home Insurance

“Home is where the heart is”. While the brick and mortar building does not make a home, it is the place you transform it to one of love and warmth you and your loved ones return to everyday. Regardless if you are a homeowner or tenant, you can count on HomeBliss, a comprehensive home insurance, to protect the home you have thoughtfully built for your loved ones.

Feature

SUITABLE FOR ANY TYPE OF RESIDENTIAL PROPERTY
Suitable for HDB or Private Apartments, Condominiums and Landed Properties.
BUILDING, RENOVATIONS, FIXTURES AND FITTINGS
Covers against loss or damage to the building structure, renovations, fixtures and fittings of the insured dwelling.
CONTENTS COVER
Covers household items, furniture, personal effects and valuables belonging to you and your family members.
THIRD PARTY LIABILITY
Covers up to $750,000.
24-HOUR EMERGENCY HOME ASSISTANCE
$100 per event, up to 4 times per year for:
• Locksmith assistance
• Plumbing assistance
• Electrical assistance
• Air-conditioning engineer assistance
• Pest Control services
FREE EXTENSION COVERAGE
Up to 25 extensions, covering you against:
• Cost of replacement of locks and keys following a break-in
• Loss or damage to laptops and mobile devices due to insured perils or accidents
And more!

For full coverage info: HomeBliss Policy Wording

Coverage

For Homeowners - Solution A
Basic Cover Cosy Serene Luxury
1. Building, Renovations, Fixtures and Fittings $80,000 $120,000 $200,000
2. Contents $20,000 $40,000 $60,000
3. Worldwide Family Personal Liability $750,000
4. Personal Accident within Insured Dwelling
- Death and Permanent Disablement
• For Insured and Spouse $20,000 each
• For Unlimited Number of Children $5,000 each
- Hospital Allowance for Insured and Spouse $250 each
5. 24-hour Emergency Home Assistance Service
For Locksmith, Plumbing, Electrical, Air Conditioning Engineer & Pest Control services Up to $100 reimbursement per event,
4 times per year
6. Pet Dog Cover $500
Up to 25 extensions, covering you such as:
• Cost of replacement of locks and keys following a break-in
• Loss or damage to laptops and mobile devices due to insured perils or accidents
And more! (Click here to view full list of benefits)
Annual Premium (Inclusive of GST)
Standard $96.30 $165.85 $249.31
Enhanced $119.84 $212.93 $319.93

Optional Cover Premium (Inclusive of GST)
Benefits Premium
Top up of Worldwide Family Personal Liability to $1 Million $32.10
Rent Protector $80.25
Valuables* under Contents Rates and Excess subjected to underwriting.
Proof of purchase/ receipt/ valuation to be furnished for articles exceeding S$2,500.
Worldwide Personal Effects**
• Unspecified Articles
(Maximum of $10,000, Limit of $1,000 per article)
• Specified Articles

Valuables
Jewellery, watches, antiques, paintings, furs, works of art, curios, stamps or coin collections, items of gold, silver, platinum or other precious metals and other collectible property. Total Value should not exceed 1/3 of Contents Sum Insured.

** Personal Effects
Articles of personal use designed specifically to be worn or carried on the person such as clothing, jewellery, watches & camera equipment but excluding money, mobile phones, any portable devices such as laptops and digital tablets, pedal cycles, PAB, PMA, PMD, and/or any mechanically propelled vehicles/devices, aerial devices/drones and any items which are used in connection with any business profession or employment. Any item that is insured under a separate policy is also excluded. Total Value should not exceed 50% of Contents Sum Insured.

For Tenant and Landlord solutions, please refer to our HomeBliss brochure

Premium

For Homeowners (Solution A) Premium (inclusive of GST)
Plan Type Building, Renovations, Fixtures & Fittings Contents Standard
(Insured Perils)
Enhanced
(All Risks)
Cosy $80,000 $20,000 $96.30 $119.84
Serene $120,000 $40,000 $165.85 $212.93
Luxury $200,000 $60,000 $249.31 $319.93
Top Up
Building, Renovations, Fixtures & Fittings $0.428 per $1,000 Sum Insured $0.642 per $1,000 Sum Insured
Contents $2.675 per $1,000 Sum Insured $3.745 per $1,000 Sum Insured

For Tenant and Landlord (Solution B and C) Premium (inclusive of GST)
Plan Type Building, Renovations, Fixtures & Fittings Contents Standard
(Insured Perils)
Enhanced
(All Risks)
Tenant (Solution B) N.A. Flexible $2.675 per $1,000 Sum Insured $3.745 per $1,000 Sum Insured
Landlord (Solution C) Flexible N.A. $0.428 per $1,000 Sum Insured $0.642 per $1,000 Sum Insured
Minimum premium of $107 (incl. of GST)

Optional Cover (Premium inclusive of GST)
Top up of Worldwide Family Personal Liability to $1 M $32.10
Rent Protector $80.25
Valuables* exceeding $2,500 under Contents Cover Rates and Excess subjected to underwriting.
Proof of purchase/ receipt/ valuation to be furnished for articles exceeding S$2,500.
Worldwide Personal Effects (Unspecified Articles)
(Maximum of $10,000, Limit of $1,000 per article)
Worldwide Personal Effects** (Specified Articles)

^ Please submit duly completed and signed application form with proof of purchase/receipt/valuation report to [email protected] for further underwriting.

* Valuables
Jewellery, watches, antiques, paintings, furs, works of art, curios, stamps or coin collections, items of gold, silver, platinum or other precious metals and other collectible property. Total Value should not exceed 1/3 of Contents Sum Insured.

** Personal Effects
Articles of personal use designed specifically to be worn or carried on the person such as clothing, jewellery, watches & camera equipment but excluding money, mobile phones, any portable devices such as laptops and digital tablets, pedal cycles, PAB, PMA, PMD, and/or any mechanically propelled vehicles/devices, aerial devices/drones and any items which are used in connection with any business profession or employment. Any item that is insured under a separate policy is also excluded. Total Value should not exceed 50% of Contents Sum Insured.

Eligibility

Property to be insured The house/ apartment must be constructed with brick, stone or concrete, its roof is laid with concrete slate or tiles and/or other incombustible materials.
Usage of the property to be insured The house/ apartment must be for residential use only. It should not be used to conduct business e.g. childcare centre, tuition centre, private dining business etc.

You should know that any equipment and/or monies associated with your occupation and/or business are excluded from HomeBliss cover, regardless if these are from a home-based business at the property to be insured.
Location of the Property to be insured The house/ apartment must be located within the territories of Singapore.
Insurable interest You should either be:
  1. An owner or a co-owner of the property to be insured (as homeowner or landlord), or
  2. A tenant who is renting the entire property that is to be insured and is residing in it.

Frequently Asked Questions

Your home is one of the cosiest places where your heart lies, your memories create and, you and your family feel safe. While your apartment or house is your safe haven, it will need protection too.

If your apartment or house is damaged by an unforeseen event such as fire or water pipe bursts, a home insurance would be your financial shield against repair or replacement cost. Other than covering the building structure, home insurance such as HomeBliss also covers the improvements and additions (e.g. renovations) you made to your apartment or house, your household contents and personal effects.

 

Important Notice

Policy Owners’ Protection Scheme

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg)

Please note that the online DBS/POSB IPP will no longer be available from 6 May 2021. However, customers who wish to apply for instalment payment for their insurance premiums of $500 & above with DBS/POSB or OCBC credit card may download our Credit Card Payment Form. Please submit the completed form to [email protected].

}