InsureHome

7. What are the key features of InsureHome Insurance? 
InsureHome Insurance is an insured perils policy, which means coverage applies when loss or damage is caused by specific events.

InsureHome Insurance offers protection for

• Building structure of your home
• Household contents (with sub-limit of S$1,000 per item)
• Renovations and built-in fixtures
• Temporary accommodation (up to S$500/day), loss of rental income, conservancy charges, emergency relief fund
• Family protection benefits such as worldwide personal accident (up to S$20,000 per adult) and worldwide personal liability (up to S$1,000,000)
• Extended benefits like accidental breakage of mirrors, smart home system, and optional green home system and pet cover

8. What does insured perils mean?
An “Insured Peril” is any of the specific events below:

• Fire, lightning or explosion;
• Damage caused by aircraft or other aerial devices or articles dropped from them;
• Damage caused by road vehicle or animal which You or Your Family Members do not own or control;
• Bursting or overflowing of domestic water tanks or pipes in Your Home;
• Hurricane, cyclone, typhoon, windstorm, flood, earthquake;
• Riot, strike or malicious act by others;
• Theft or attempted theft accompanied by forcible entry.

You may also refer to the policy wordings on our website for more information on the insured perils and coverage.

9. Does InsureHome Insurance cover my valuables and money?
Yes, household contents include valuables, subject to sub-limits of S$1,000 per item. Loss of personal money is covered up to S$500 per event.

10. What is included in the 24/7 emergency home assistance coverage in InsureHome Insurance?
In the unfortunate event you may require emergency home assistance services for locksmith, plumbing, electrical, air-conditioner repair, and pest control, InsureHome Insurance will cover up to 2 service calls per year (up to S$100 per service).

11. What happens if my home becomes uninhabitable?
InsureHome Insurance covers temporary accommodation costs (up to S$500/day, max S$15,000) or loss of rental income (up to S$15,000).

12. What is included in the pet coverage in InsureHome Insurance?
Yes, optional pet cover includes accidental death (up to S$500) and medical expenses (up to S$1,000) arising from insured perils, as well as pet hotel accommodation for up to 20 days.

13. What is the Green Home System benefit coverage in InsureHome Insurance? 
InsureHome Insurance covers loss or damage to solar panels, renewable energy storage, and EV charging systems with their attaching devices in your Home (up to S$5,000).

14. How much should I insure my private property building for? 
Your sum insured should reflect the full cost to rebuild your home from scratch, not its market value.

InsureHome Insurance offers protection for:

• Refer to your latest valuation report
• Consult a qualified property valuator
• Use industry guidance on the General Insurance Association (GIA) website

These can help you better estimate rebuilding costs and ensure you are adequately insured to avoid under-insurance.

15. Is my home under-insured and why should I avoid under-insuring my home?
Under-insurance occurs when your home is insured for less than its full rebuilding (reinstatement) value. If this happens, your claim payout may be reduced proportionately under the “Average Clause”. This means you will need to bear part of the loss yourself.

To avoid under-insurance, it is important to:

• Set an accurate sum insured based on rebuilding cost
• Review your coverage regularly, especially after renovations

Example:
If your home should be insured for S$1,000,000 but is only insured for S$500,000 (50%).
You may only receive 50% of your claim, even if the loss is covered.

16. What is the “Average Clause”?
The Average Clause means that if, at the time of loss, the total value of the insured property exceeds the sum insured under the policy, the insured is treated as self-insuring the difference. As a result, the insurer pays only a rateable (proportional) share of the loss.

Average clause does not apply for home contents and renovation.

17. How do I make a claim?
Notify us as soon as possible and within 31 days of the incident, report to relevant authorities if required, and submit supporting documents like invoices, police reports, or medical certificates to claim@uoi.com.sg or call our 24-hour helpline at 6222 7737 for assistance.

18. How do I cancel my InsureHome Insurance policy?
If you would like to cancel your InsureHome Insurance policy after purchase, you may do so with 30 days’ notice. A pro-rate refund will be given after deducting a S$25 cancellation fee, provided no claim has been made.

19. What documents do I have to provide for making a claim?
To make a claim, please provide us with all relevant reports, essential documents (including police reports, invoices, and photographs) to support the claim. If required, our claims team may also request further documents to support the claim.

20. Who should I contact if I wish to make a claim?
Please contact UOI Claims Division at 6222 7733 during our business operation hours or email to contactus@uoi.com.sg.

UOI Business Hours
Monday to Thursday 8.45am to 5.45pm
Friday 8.45am to 4.45pm
Closed on weekends and public holidays.