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SmartHome Optimum

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Many homes are insured only against fire or limited to compensation for certain perils. SmartHome Optimum provides additional protection for accidental loss or damage to your property and its contents.



Insure Up to
the Full Value

Insure adequately to avoid under-insurance:

  • ‘Building’ cover – up to full cost of reinstatement.
  • ‘Contents’ cover – up to full replacement costs of household goods and personal effects.
  • ‘Worldwide Personal Belongings’ cover – up to full replacement cost of the items that you are likely to wear or carry with you outside your home.

Compulsory Cover for
Building or Contents

You can opt to customise your plan according to your family needs. To take note that:

  • Building (Section 1) or Contents (Section 2) cover is compulsory.
  • Minimum premium S$107. (inclusive of GST)

Residential Use

The insured property is to be used as a residence only.


The insured property must not be left unoccupied for more than 60 consecutive days.

Flood Prone

Properties within flood prone areas are subject to underwriting consideration.

Apply for SmartHome Optimum or submit your enquiries:

Thank you for your submission. We will contact you shortly.

To apply for our product, please fill up this form and we will contact you as soon as possible.
For general enquiries, please click here. For claim enquiries, please click here.

Alternatively, you can call us at:
1800 880 4888 (Within Singapore)
(+65) 6880 4888 (International)

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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.