Each new home represents a brand new story waiting to unfold. Whether you are a home owner, landlord or tenant, let AXA be part of your journey to protect what matters most - your loved ones, home contents and property.
We have protected over 28,000 homes in 2018 alone. Let us safeguard your home too.

What is Covered

Benefits
Building Cover
Up to S$3,000,000 coverage on the internal building structures and standard fixtures and fittings
Fixtures, Fittings & Renovation (FFR) Cover
Coverage for loss or damage to home improvements and additional fixtures or fittings
Loss of Rent or Alternative Accommodation
Up to S$15,000 coverage when your home is uninhabitable or for cost of alternative accommodation
“New for Old” Cover for Contents
Up to S$500,000 coverage for your contents on replacement basis without deduction for wear and tear or depreciation
10% No Claim Discount
Enjoy 10% NCD on your 4th year of premium if no claim is made for 3 consecutive years
Worldwide Personal Liability
S$500,000 cover to protect you and your family against third party legal liability
24-hour Emergency Assistance Service
Access our 24-hour hotline at +65 6322 2566 for assistance in an emergency, and receive payment for emergency repair charges

What is Not Covered

Exclusions
Your failure to take due care and precaution to safeguard your belongings
Any loss or damage whilst your building is undergoing construction, renovation or repair
Wear and tear, gradual deterioration, rot, fungus, atmospheric conditions and vermin
Defective design, faulty workmanship or manufacturing faults
If HDB town council or management corporation strata title (MCST) is responsible for replacing or repairing the damage
Illegal or wilful acts or failure to act by you, your family or anyone legally allowed in the Building

Essential (Insured Perils)

Essential plan protects your building, fixtures and/or contents for any of these specified risks:

  • Fire, lightning or explosion
  • Impact by aircraft or any land vehicles which you or your family do not own or control
  • Bursting or overflowing of domestic water tanks or pipes within your building
  • Theft by forcible and violent entry
  • Windstorm and flood
  • Strike, riot and civil commotion
  • Malicious act of any person other than you and your family

Comprehensive (All Risks)

Comprehensive plan offers wider protection by covering all the risks insured in the Essential plan and more.

This plan will offer protection for your building, fixtures and/or contents against every risk possible, except what is specifically excluded.

For full details, please refer to the policy wordings.

    Home Owner
    Building
    As a home owner, you need to be aware of the various risks and ensure that your building structures are sufficiently covered.
    Fixtures, Fittings & Renovation
    You have spent good money on home improvements, renovations and additional fixtures and fittings (like your fancy flooring and built-in wardrobe). Safeguard the elements which you have spent good money on and protect the things that add a personal touch to your home.
    Contents
    If you own a HDB flat, the compulsory Fire Insurance that you have does not cover the valuables in your home. You’ll need home insurance to protect the contents (like your furniture and electrical appliances) belonging to you and your family.
    Landlord
    Building
    As a home owner, you need to be aware of the various risks and ensure that your building structures are sufficiently covered.
    Fixtures, Fittings & Renovation
    You have spent good money on home improvements, renovations and additional fixtures and fittings (like your fancy flooring and built-in wardrobe). Safeguard the elements which you have spent good money on and protect the things that add a personal touch to your home.
    Contents
    If you own a HDB flat, the compulsory Fire Insurance that you have does not cover the valuables in your home. You’ll need home insurance to protect the contents (like your furniture and electrical appliances) belonging to you and your family.
    Property Owner’s Liability
    Now that you’re renting out your unit, you could be legally liable for any accidental mishap or death of your tenant caused by a defect in the building. Protect yourself against such risks and get covered for any legal costs you may face.
    Loss of Rent
    If you’re renting out your place and it becomes uninhabitable due to damage, you will be covered for the loss of rent which would have been otherwise payable to you, while the property is being reinstated.
    Tenant
    Fixtures, Fittings & Renovation
    As a tenant, if you’ve spent money making home improvements and renovations to your rented property, ensure that the additional fixtures and fittings (like your built-in wardrobe) are covered for any loss or damage.
    Contents
    Your landlord’s home insurance does not protect your valuables as the tenant. By covering contents belonging to you, you can seek reimbursement for any loss or damage.
    Tenant’s Liability
    Just in case you are legally liable for accidentally damaging your landlord’s property, fixtures and fittings, or household contents, you can rest assured that the legal costs will be taken care of.
    Loss of Rent
    In the event that the unit you have rented is uninhabitable due to damage, you can get covered for the rental costs, which you have to continue to pay your landlord, while the property is being reinstated.

Frequently Asked Questions

What we get asked all the time
Why do I need home insurance?

Home insurance provides cover for your household items in the event of unfortunate circumstances such as fire, flooding, theft, explosions, and bursting or overflowing of water pipes or household apparatus.

What is the difference in home Insurance for HDB flats, private apartment and landed property?

HDB Flats

  • Covered by the HDB Fire Insurance, which is mandatory for flat owners with HDB loans commencing on or after 1 September 1994, for as long as the HDB loan is outstanding
  • The HDB Fire Insurance covers cost of reinstating damaged internal structures, fixtures and fittings built and provided by HDB and/or its approved developer
  • It does not cover damage to any improvements, additions, fixtures and/ or fittings that you have made to your HDB flat and loss of or damage to your household contents

Private Apartments and Landed Property

  • Not covered by the HDB Fire Insurance
  • If you live in a private apartment or landed property, you should purchase sufficient insurance cover for your home with a Home Insurance policy, which offers cover for cost of reinstating damaged internal structures, fixtures and fittings built and provided by HDB and/or its approved developer; damage to improvements, additions, fixtures and/ or fittings that you have made to your HDB flat; and loss of or damage to your household contents
Who is the Home owner, co-owner and and Tenant in the context of home Insurance?

Home Owner/ Co-Owner

  • Owns the home
  • Can purchase Building benefit (refer to Q5)
  • Named in the policy as mortgagor

Tenant

  • Does not own the home
  • Can only purchase cover for what he owns, e.g. his contents and personal belongings (refer to Q5)
What are the different types of home Insurance products offered by AXA?

AXA offers 3 types of Home Insurance products, as follows:

1. SmartHome Essential

  • Basis of Cover: Insured Perils
  • Covers loss and damage caused by specifically named perils, such as fire, lightning or explosion; theft by forcible and violent entry; flood; malicious damage; bursting or overflowing of domestic water tank, piping, washing machine or water mains within the insured property (but excluding damage to the items themselves); impact by road vehicles or aerial devices; and strike, riot or civil commotion

2. SmartHome Optimum and SmartHome Prestige

  • Basis of Cover: All risks Perils
  • Covers loss and damage from all causes that are not specifically excluded in the policy
What are the main types of benefits provided by AXA's home insurance products?

Our Home Insurance products offer a wide range of benefits to protect your home – the key benefits are as outlined below:

1. Building

  • For HDB homes: Internal building structures, fixtures and fittings, as provided by HDB and/or its approved developer
  • For Private homes: Building structure of the apartment or landed property that you own (including any garages, gardens, gates & fences situated within the landed property premises)

2. Fixtures Fittings & Renovation

  • Loss of or damage to improvements (such as renovations) and additional fixtures and/ or fittings that you made to your home, such as flooring and built-in cabinet

3. Household Contents

  • Loss of or damage to any movable items in your home belonging to you, your family or your domestic helpers or for which you are responsible, excluding motor vehicles and their accessories, pets, contact lenses, fixtures, fittings and renovation, any document and business goods.

4. Worldwide Personal Liability

  • Your legal liability (including that of your family or domestic helpers) as a result of any accidental bodily injury or death caused to third parties and/or accidental damage to their property
    For example, a visitor to your home slips and falls on the slippery floor of your bathroom, and sues you for a fractured hip. In such a case, the Personal Liability benefit will cover the cost of the medical bills, as well as your legal defence fees, up to the limit of your liability coverage
  • Personal liability coverage may also be able to cover an incident that occurs outside your home or property, e.g. when a flower pot drops from your apartment and hits a passer-by walking past on the ground floor

To ensure that you can enjoy a cover that best suits your needs, each product comes with a range of plan types with different coverage levels for the various benefits. You can also further customise your plan by selecting from a range of add-on benefits.

Policy Information and More

All you need to know

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IMPORTANT NOTICE

This insurance plan is underwritten by AXA Insurance Pte Ltd. The information featured in this website is published for general information only and is not a contract of insurance. The precise terms and conditions of the plan are specified in the policy contract. A product summary for the insurance plan is available and may be obtained from AXA Insurance Pte Ltd and the participating distributors' offices. You should read the product summary before deciding whether to purchase the plan.

You may wish to seek advice from a qualified adviser before making a commitment to purchase the insurance plan. In the event that you choose not to seek advice from a qualified adviser, you should consider whether the plan in question is suitable for you.

The insurance plans featured in this website may be protected under the Policy Owners' Protection Scheme, which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for such plans are automatic and no further action is required from you should you buy the plan. For more information on the types of benefits that are covered under the Policy Owners' Protection Scheme as well as the limits of coverage, where applicable, please visit the AXA website at www.axa.com.sg or visit the LIA, GIA or SDIC websites (www.lia.org.sg, www.gia.org.sg or www.sdic.org.sg) for a copy of the SDIC Guide on PPF Scheme.

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