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SmartHome Essential

From as low as S$0.15 a day, you can protect your home fixtures, fittings, renovation, contents and your family. With SmartHome Essential, your dearest home and loved ones are protected against fire, lightning, theft, flood and many more.
With our 3-year plan, you will enjoy 5% premium discount with an enhanced coverage of 120% of the original sum insured for Fixtures, Fittings & Renovation, Home Contents & Worldwide Personal Liability.

Under our New for Old benefit, we will cover your latest plasma TV, home entertainment set and sofa set for their full replacement value. With SmartHome Essential, you can be assured that your home contents will be fully replaced with no depreciation.

In addition, we will cover you up to $1,400 under our Home Quarantine Order benefit if you are served a quarantine order.

You can enjoy up to 11 FREE extended benefits with our SmartHome Essential. At no extra cost, we will cover you for Loss of Money, Emergency Cash Allowance, Temporary Removal of Property, Cost of Alternative Accomodation and more.


Click to read / download our SmartHome Essential Brochure (PDF, 4.4MB).


Frequently Asked Questions (FAQ)

Choose from any of our 4 packages below or you can even customise your own. Enjoy FREE Personal Accident Cover!
Click to find out more about the New 3-Years Plan (PDF, 2.08KB)
Coverage Standard Classic Deluxe Superior
Sum Insured / Limit (S$)
1 Fixtures, Fittings & Renovation
(eg. flooring, built-in cabinet)
50,000 100,000 180,000  250,000
2 Contents 15,000 25,000 35,000 50,000
  * * FREE Extensions applicable to Section 2:
  Loss of Money 1,000 1,000 1,000 1,000
  Temporary Removal of Property 750 1,250 1,750 2,500
  Replacement of Locks and Keys Following a Break-in 500 500 500 500
  Legal Documents New 500 500 500 500
  Emergency Cash Allowance New 500 500 500 500
  Home Quarantine Order New
(max S$100 per day)
1,400 1,400 1,400 1,400
  * * FREE Extensions applicable to Section 1 &/ or 2:
  Breakage of Fixed Glass or Fixed Mirrors 1,000 1,000 1,000 1,000
  Removal of Debris 3,250 6,250 10,750 15,000
  Professional Fees 3,250 6,250 10,750 15,000
  Loss of Rent and/ or Cost of Alternative Accomodation
(max S$250 per day)
6,500 12,500 21,500 30,000
  Fire Extinguishment Cost
(eg. cost of replenishment of fire extinguisher)
2,000 2,000 2,000 2,000
3 Worldwide Personal Liability
(excluding USA and/ or Canada)
250,000 250,000 250,000 250,000
4 Family Personal Accident    FREE
 (i.e. accidental death or total permanent disability following fire and/ or break-in)
20,000 per adult
10,000 per child (max 3)
subject to aggregate limit of 50,000

  Standard Classic Deluxe Superior
Annual Premium (S$) (including 7% GST)    53.50 82.93 120.38 163.18
3-Year Premium (S$)
(after 5% discount & including 7% GST)
152.48 236.35 343.08 465.06

* Enjoy 5% premium discount and enhanced coverage of 120% of the original sum insured in Sections 1, 2 & 3 with our 3-year plan. This is also applicable to our flexible plan.   

Cover For Building

You can also cover the building at minimal costs. See our rating table for premium computation of the various coverage.  Free extensions will be applicable to the respective Sections.

Rating Table
Coverage Annual Rate (S$)
1a. Building $2.68 per $10,000 Sum Insured
1b. Fixtures, Fittings and Renovation $2.68 per $10,000 Sum Insured
2. Contents $16.05 per $10,000 Sum Insured
3. Worldwide Personal Liability $16.05 per $250,000 Sum Insured
4. Family Personal Accident FREE If Section 1 or 2 is taken up


Important Notes

  • For Flexible Plan, it is compulsory to take up either Building or Fixtures, Fittings & Renovation or Home Contents cover.
  • Please ensure that the amount insured is adequate for your property.
    • For Section 1 – Building, Fixtures, Fittings and Renovation
      • Sum insured to be based on full cost of rebuilding and reinstatement.
    • For Section 2 – Contents
      • Sum insured to be based on the replacement cost of all your personal effects, valuables and household goods.
  • Our maximum limit under Section 2: Contents for the following items are:
    • Valuable, musical instruments, photographic equipment & watches: 1/3 of sum insured under this section, limited to S$5,000 per article
    • Laptop: S$2,000
    • Mobile phone: S$300
  • Minimum premium applicable: S$53.50 (including 7% GST)



Important Definitions

  • Insured Perils mean fire, lightning, explosions, impact by aircraft, impact by road vehicle, bursting or overflowing of domestic water tank apparatus or piping, washing machine, water mains, actual or attempted theft accompanied by forcible and violent entry only, hurricane, earthquake, volcanic eruption, flood, riot, strike, malicious damage.
  • Building is the home stated in the schedule and including domestic greenhouses, tennis hard courts, swimming pools, patios, paths, drives, boundary and garden walls, gates, hedges and fences if they form part of the property.
  • Fixtures, Fittings and Renovation are the improvements made to your property eg. flooring, built-in cabinet.
  • Household Contents shall mean anything in your home belonging to you, your family and domestic servants or for which you are responsible but excluding :
(a) motor vehicles, watercraft and their accessories
(b) livestock and pets
(c) Fixtures, Fittings and Renovation
(d) securities, certificates and documents
(e) property used or held for business purposes
  • Money shall mean bank or currency notes, coins, cheques, cash cards, premium bonds, travellers cheques, travel tickets, postal or money orders, postage stamps, national saving stamps or certificates, record or book or similar tokens, luncheon vouchers belonging to you, your family or your domestic servants.
  • Valuables shall mean jewellery, furs, works of art, curios, carpet collections, stamps or coins collections, items of gold, silver or other precious metals belonging to you, your family or your domestic servants.
  • Worldwide Personal Liability shall mean all sums for which you, your family or your domestic servants may become legally liable to pay (within the territorial limits) as a result of any accidental bodily injury or death caused to third parties and/or accidental damage to their property. We also cover your legal liability as a tenant.

Important Exclusions

(Please refer to Policy for complete details)
1.    Landslip, subsidence.
2.    War and warlike activities, rebellion, revolution, insurrection or military or usurped power.
3.    Acts of terrorism.
4.    Any unexplained loss or mysterious disappearance.
5.    Loss or damage if your home is left unoccupied for more than 60 days.
6.    Nuclear and nuclear-related activities.
7.    IT hazards and Total Asbestos.
8.    Contracts (Rights of Third Parties).


Policy Wording

Please download the SmartHome Essential Policy Wording (PDF, 555KB) for more information. 


Enrol Today!

You can simply download the SmartHome Essential Application Form (PDF, 86KB) and fax to us at 6880 4740 or email to newenquiry@axa.com.sg. For further enquiries, please contact our Customer Care hotline at 1800-880 4741 or send us an email. 

Money Back Guarantee

You'll have 14 days to review your policy from the date you receive it. If you are not satisfied, simply return the policy to us within 14 days for a full premium refund.
1800 880 4888 (Within Singapore)
(+65) 6880 4888 (International)