Get coverage for your home contents with InsureHome
Enjoy the following promotions when you apply for InsureHome now!
- 1-year plan: 10% discount
- 3-year plan: 30% discount
Benefits
Up to S$2,000,000*
Coverage on building structure
Up to S$150,000*
Coverage on household contents
Up to S$1,000*
Accidental medical expenses for pets
Up to S$5,000*
Coverage on green home system
Up to S$200,000*
For home care services
Coverage
For your home
| Benefits / Coverage | Maximum sum insured (S$) per event for 12-months period |
| Building structure | As per Schedule |
| Household contents Sub-limit per article: S$1,000 Excess: S$100 each and every claim |
As per Schedule |
| Household renovation | As per Schedule |
| Professional fees & removal of debris | 15,000 |
| Household removal by professional movers | 5,000 |
| Please refer to the policy wording for the exclusions and the benefit sub-limits for each type of content. | |
Financial inconvenience benefits
| Benefits / Coverage | Maximum sum insured (S$) per event for 12-months period |
| Temporary accommodation Sub-limit: S$500 per day |
15,000 |
| Loss of rental income | 15,000 |
| Conservancy charges or maintenance fee (up to 3 months) | 1,000 |
| Emergency relief fund (insured home is uninhabitable for 5 consecutive days) |
1,000 |
| Loss of personal money | 500 |
| Utilities bill (up to 3 months from incident date) | 500 |
| Replacement of personal legal documents | 1,000 |
| Fraudulent use of credit/cash cards (within Singapore only) | 1,000 |
| Deterioration of food | 500 |
| Please refer to the policy wording for the exclusions and the benefit sub-limits for each type of content. | |
Family protection benefits
| Benefits / Coverage | Maximum sum insured (S$) per event for 12-months period |
| Personal accident | |
| Per adult | 20,000 |
| Per child | 10,000 |
| Aggregate family limit | 50,000 |
| Worldwide personal liability | |
| Property type: HDB (Housing & Development Board) | 500,000 |
| Property type: Private | 1,000,000 |
| Accidental medical expenses | |
| Outpatient medical treatment | 500 |
| Inpatient hospitalisation | 1,500 |
| Domestic helper’s property | 500 |
| Emergency home assistance (maximum 2 service assistance) | 100 per service assistance |
| Please refer to the policy wording for the exclusions and the benefit sub-limits for each type of content. | |
Extended benefits
| Benefits / Coverage | Maximum sum insured (S$) per event for 12-months period |
| Accidental breakage of mirrors and fixed glass | 1,000 |
| Electronic track, awnings and blinds | 2,000 |
| Fire extinguishment expenses | 1,000 |
| Smart home system (digital locks/keys and security systems) | 2,000 |
| Please refer to the policy wording for the exclusions and the benefit sub-limits for each type of content. | |
Optional benefits
| Benefits / Coverage | Maximum sum insured (S$) per event for 12-months period |
| Green home system (optional benefit) | |
| Green home system (solar panel, renewable energy storage, electric vehicle charging system) |
5,000 |
| Pet cover (optional benefit) | |
| Accidental death of domestic registered pedigree pets | 500 |
| Temporary pet accommodation (maximum 20 days) | 50 per day |
| Accidental medical expenses for pets | 1,000 |
Emergency home assistance
Referral services includes home cleaning, home nursing care, television repair, home movers, washing machine repair, refrigerator and arrangement for a doctor’s house call (Costs will be billed to you directly by the service providers)
More information
+Inclusive of 9% GST
Please refer to the Policy Wording for the full details of the terms, conditions and exclusions of this insurance plan.
Frequently asked questions
General
- Who should purchase InsureHome?
It is recommended for homeowners or tenants of HDB, condominium or landed properties who want to protect the content of their home or the renovation carried out for their home. - If I live in a condominium, does the Management Corporation's fire insurance cover home content?
In most cases, the condominium Management Corporation’s fire insurance covers only the building structure and common areas. It does not cover your household contents (including your furniture, fixtures and fittings) nor renovations inside your house. We recommend that you check the coverage and benefits of the fire insurance policy arranged by the Management Corporation. - I already have a fire insurance policy for my HDB flat. Do I still need InsureHome?
The standard HDB fire insurance policy only covers the damage to the structure of your home.
We recommend that you should, at all times, maintain the HDB fire insurance policy or such similar coverage, and protect your home contents with InsureHome. InsureHome provides coverage for household contents, renovation, fixture and fittings. - What’s the difference between mortgage insurance and InsureHome?
Mortgage Insurance pays off your outstanding mortgage loans partially or in full if an unfortunate event (e.g. death or total permanent disability) takes place. On the other hand, InsureHome provides coverage for household contents, renovation, fixture and fittings if the unexpected happens. - Are my household contents covered when my home is unoccupied?
Any loss or damage to your household contents will not be covered if the property is unoccupied for more than 60 days. - If I am moving to a new premise, what should I do with my InsureHome policy?
You may call or email us to update your address to the new premises. There will be no administrative charge for the change in address. - I need to correct my particulars which I entered online. How do I go about it?
You can call us or email your request to contactus@uoi.com.sg.
Coverage
- What will or will not be covered by InsureHome?
InsureHome will indemnify you against any unforeseen and sudden physical loss or damage to your household contents from any cause, other than those specifically excluded such as due to wear and tear, faulty design etc. For the full list of exclusions, you may refer to the Policy Wording. - Does InsureHome cover valuables such as watches, rings etc. that I keep at home?
Both the Essential and Deluxe Plans cover valuables up to S$1,500 per article and total value of all the valuables shall not exceed 1/3 of the total sum insured for the respective plan, whichever is the lesser.
You can consider taking up the Optional Cover: Loss or Damage to Valuables to cover your valuables which exceed S$1,500 per article.
As this optional coverage is subject to insurer's underwriting, please contact us at 62227733 or email your request to contactus@uoi.com.sg. - How do I go about insuring my Building?
You can consider taking up the Optional Cover: Loss or Damage to Building.
As this optional coverage is subject to insurer’s underwriting, please contact us at 62227733 or email your request to contactus@uoi.com.sg.
Claims
- How do I file a claim?
- Call or email UOI’s Claims Division at claims@uoi.com.sg within thirty (30) days.
- Do preserve and/or take photographs of damaged items for claim purposes.
Important information
Important Notice & Disclaimers
Important notes
The above is provided for general information only and is not a contract of insurance. Full details of the terms, conditions and exclusions of this insurance are provided in the policy contract and will be sent to you upon acceptance of your application by United Overseas Insurance Limited (UOI). You may wish to seek advice from a qualified adviser before making a commitment to purchase the product. In the event that you choose not to seek advice from a qualified adviser, you should consider carefully whether this product is suitable for you. UOB does not hold itself out to be an insurer or insurance broker. The insurance products and services stated herein are provided by UOI.
United Overseas Bank Limited Co. Reg. No.193500026Z United Overseas Insurance Limited Co. Reg. No. 197100152R
Policy Owners’ Protection Scheme
These policies are protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for these policies are 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 General Insurance Association (GIA) or SDIC websites (www.gia.org.sg or www.sdic.org.sg).
InsureHome Promotion Terms and Conditions
View Promotion Terms and Conditions
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