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SmartHome Prestige, an All-in-One home insurance, is specially designed for the high net worth individuals.
It provides a comprehensive home insurance cover for the discerning home owner’s buildings, home contents, valuables, fine art & collectibles.
Unique features of SmartHome Prestige plan:
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Flexibility in cover - you can customize the coverage to suit your insurance needs
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High limit for the extended benefits
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One-Stop insurance service. Optional cover for Pleasure Craft, Fine Art, Motor & Personal Accident Insurance
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24/7 Emergency Assistance Hotline
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Cover for secondary home in Singapore
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High limit for valuables
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Agreed value for Fine Art
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Free Appraisal Service
Brochure
Frequently Asked Questions (FAQ)
Coverage & Benefits
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Section |
Coverage (S$) |
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1 |
Building (including fixtures, fittings & renovation) |
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2 |
Household Contents |
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(Valuables up to 1/3 of household contents in total and per article limit not exceeding 7,000)
Each valueable item exceeding 7,000 must be specified
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Free cover for the following sections IF ANY OF THE ABOVE SECTION IS TAKEN |
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3 |
Worldwide Family Personal Liability
(for insured, your family or domestic maid legal liability arising out of third party injury or property damage)
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1,000,000 |
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4 |
Worldwide Family Personal Accident
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100,000 each for insured & spouse
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25,000 each for child (maximum children aged between 3 and 18 years)
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100,000 per adult |
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5 |
Accidental Death or Theft of Pedigree Pet and Pet Care (Maximuim 3 Pets)
Pet Care extend to cover temporary accommodation/ care (up to 5 days) for your pets should fire occur in your home
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750 |
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6 |
24 Hour Emergency Home Assistance |
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Additional / Optional covers |
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7 |
Worldwide cover for personal belongings (including valuables)
(total value should not exceed 50% of household contents sum insured)
Each single item exceeding 7,000 must be specified
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Insurance for Fine Art |
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Worldwide cover for private collection/ fine art
(including fine art, painting, antiques, valuables, collectibles & the like)
To provide a list of items to be covered
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The policy is subject to a minimum premium of S$950, excluding GST.
You can have the option to cover:
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Your Secondary Home(s) in Singapore
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Your Car(s)
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Your Pleasure Craft(s)
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Your Personal Accident
An excess of S$200 is applicable to Section 1, 2 & 7 unless otherwise specified. Maximum limit for the following items:
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Laptop S$2,500
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Mobile Phone S$500
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Portable Device S$500
Important Definitions
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Building is the home stated in the schedule and including domestic greenhouses, tennis hard courts. swimming pools, patios, paths, drives, boundry and garden wall, gates, hedges and fences if they form part of the property, it also includes fixture, fittings and renovation.
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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. Contact lenses
d. Fixturesm fitting and renovation
e. Securities, certificates and documents
f. Property used or held for business purposes
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Money shall mean bank or currency notes, coins, cheques, travel tickets, postal or money orders, postage stamps, national saving stamps or certificates, record or book or similar tokens, luncheon vouchers belinging to you.
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Valuables shall mean jewellery, furs, work of art, curious carpet collections, stamp or coin collections, items of gold, silver or other precious metals belonging to you, your family or your domestic servants.
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Personal Belongings shall mean personal effects worn or carried on a person or taken along in any kind of bag or case e.g. jewellery, watches and camera equipment etc. Each single item shall not exceed S$7,000 unless specified.
Important Exclusions
(Please refer to policy for complete details)
1. War and warlike activities, rebellion, revolution, insurrection or millitary or usurped power
2. Acts to terrorism
3. Any unexplained loss or mysterious disappearance
4. Loss or damage if your home is left unoccupied for more than 60 consectutives days
5. The first S$200 of each and every claim to Section 1,2 & 7 unless otherwise stated in the policy
6. Nuclear and nuclear-related activities
7. For travel and overseas stay for more than 90 consecutive days, in respect of section 3, 4 & 7
8. IT hazards and Total Asbestos exclusion
9. Contracts (right of third parties) exclusion
Important Notes
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Policy is subject to Premium before Cover Warranty or Premium Payment Warranty where applicable
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Please ensure you are adequately covered for your property
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Building, Fixtures/Fittings and Renovation to be insured up to the full cost of rebuilding
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Contents to be insured up to the replacement cost of all your personal effects, valuables and household goods
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Worldwide Personal Belongings to be insured for the full replacement cost of items that you are likely to wear or carry with you at any time.
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When making a claim, proof of puchase, valuation report or receipt will be required.
Policy Wording
Enrol Today!
You can simply download the Application Form and fax to us at 6880 4740 or email to newenquiry@axa.com.sg. For further enquiries, please call our Hotline at 1800-880 4741 or send us an e-mail.
Download the SmartHome Prestige Application Form.
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