InsureHome

7. What are the key features of InsureHome?
InsureHome is an insured perils policy, which means coverage applies when loss or damage is caused by specific events. You can refer to our policy wordings for more information on the insured perils and coverage.

• InsureHome offers protection for:
• Building structure 
• Household contents (with sub-limit of S$1,000 per item)
• Renovations
• Temporary accommodation (up to S$500/day), loss of rental income, conservancy charges, emergency relief fund
• Family protection benefits such as 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. Are valuables and money covered?
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.

9. Does InsureHome cover emergency home assistance?
Yes, you get up to 2 service calls per year for locksmith, plumbing, electrical, air-conditioner repair, and pest control (up to S$100 per service).

10. What happens if my home becomes uninhabitable?
A: We cover temporary accommodation costs (up to S$500/day, max S$15,000) or loss of rental income (up to S$15,000).

11. Does InsureHome cover pets?
Yes, optional pet cover includes accidental death (up to S$500), medical expenses (up to S$1,000), and temporary accommodation for pets (up to 20 days).

12. What is the Green Home System benefit?
It 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).

13. What is under-insurance and why should I avoid it?
A: If you insure your building, renovations, or contents for less than their full reinstatement value, you will bear a proportion of the loss under the “Average” clause.

14. 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.

15. 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 claims@uoi.com.sg or call our 24-hour helpline at 6222 7737 for assistance.

16. Can I cancel my policy?
Yes, you can cancel with 30 days’ notice. A short-rate refund will be given after deducting a S$25 cancellation fee, provided no claim has been made.