InsureHome

1. 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.

2. 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.

3. 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.

4. 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.

5. 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.

6. 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.

7. 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 underwriting@uoi.com.sg.

1. 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.

2. 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 underwriting@uoi.com.sg.

3. 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 underwriting@uoi.com.sg.

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.