You’ve created a beautiful home, you may want to protect it now. Your home is more than a roof over your head. It is your sanctuary and the anchor of your family. Let us help you to safeguard what matters most.
For just S$0.27 a day (S$8.15 a month), you can be assured that your precious belongings such as your household contents (like furniture, decorations and electrical appliances) are covered in the event of fire, burglaries and floods.
Key Benefits
- Up to S$1,000,000 personal liability cover
- Up to S$50,000 over for loss and/or damage to home contents and renovation
- Covers utilities bills with Bill Protector for up to S$3,600 over a period of 12 months
- 24-Hour Home Concierge Services
Benefits at a glance
Protect your utilities bills and home contents with just S$0.27 a day (S$8.15 a month)!
| Coverage | Maximum Amount Covered (S$) |
| Contents, Renovation, Fixtures & Fittings | |
Covers for loss of or damages to Contents, Renovation, Fixtures & Fittings | 50,000 |
Temporary Removal Covers for accidental loss or damage to your contents temporarily removed from Your Home for temporary storage in a secured premise | 5,000 |
Cost of Alternative Accomodation Covers cost of alternative accomodation while your home remains uninhabitable | 5,000 |
Visitor's and Domestic Helper's Personal Effects Covers accidental loss or damage whilst in the Insured Home | 500 |
Professional Fees Covers architects’, surveyors’, and consulting engineers’ professional fees incurred in the repair or reinstatement of the Insured Property | 5,000 |
Conservancy Charges Covers conservancy charges payable if your home is rendered uninhabitable | 500 |
Emergency Cash Allowance Covers the purchase of essential items such as clothing or personal effects while your home remains uninhabitable | 2,500 |
Replacement of Personal Computer Covers loss or damage to desktop, laptop and tablet | 1,000 |
Removal of Debris Covers cost incurred for the removal of debris, including dismantling or demolishing | 2,500 |
Utilities Bills Relief Covers utility bills up to 12 months while your home is uninhabitable | 600 |
| Additional Benefits | |
Loss of Money Covers loss of money due to Theft by forcible and violent entry or exit | 300 |
Replacement of Locks & Keys Covers replacement of stolen or damaged external locks and keys due to break-In | 500 |
Spoilage of Food and Drinks in Refrigerators Covers the cost of replacing deteriorated or putrid food due to malfunction of the refrigerator or freezer | 300 |
Accidental Breakage to Fixed Glass and Mirrors Covers the replacement costs due to accidental breakage of fixed glass in windows, doors and fan lights | 1,000 |
| Liability of the Insured | |
Personal Liability Covers liability in respect of Accidental death of or Bodily Injury to any person or Accidental damage to material property belonging to any person caused by Your negligence | 1,000,000 |
| Personal Accident | |
Covers Death and Permanent Total Disablement caused by an Accident | 20,000 for each Insured/Spouse 10,000 for each Child Max 40,000 per Family |
| Bill Protector | |
Covers utilities bills up to 12 months in event of Accidental death or Permanent Total Disablement | 3,600 |
| 24-Hour Home Concierge Services | |
Concierge Services - Locksmith/ Plumber/ Electrician /Pest Control /Air-Con Repair Service | Available |
Frequently Asked Questions
Who is eligible to apply for HomeSafe Insurance?
You can purchase this plan if you are the Home Owner and/or Tenant occupying the insured premises.
I already bought HDB Fire Insurance, why do I need HomeSafe Insurance?
Under the HDB Fire Insurance, you are only covered against damages to the internal building structure, fixtures and fittings based on the original standard of HDB flat. Any loss or damage to your renovation or household contents (like furniture, decorations, electrical appliances and personal possessions, etc.) is not covered.
What is Renovation cover for?
Renovation cover refers to the additions made within the premises by you or any previous Home Owner and/or Tenant in the form of fixtures and fittings, such as flooring, built-in wardrobes and kitchen cabinets.
What is Contents cover for?
It covers loss of and damage to physical and movable household items or personal belongings. This includes money and valuables kept within the premises belonging to you or your family members.
Following old household contents’ damage arising from fire, can I claim for Removal of Debris?
Yes, you can claim for expenses incurred on the Removal of Debris, dismantling or demolishing, shoring up or propping the property, up to the Limit of Benefits Payable.
Can I claim for the loss of my jewellery due to theft or burglary in the home?
Yes, the loss will be covered under Household Valuables. Please refer to the HomeSafe Benefits for their respective coverage.
What does Personal Liability cover?
It covers you if you are legally responsible for accidentally injuring someone or causing loss or damage to someone else’s property. We will pay for the legal expenses for representing or defending you/them and/or the amount awarded against you/them by the court in Singapore.
Do I need to inform HL Assurance if I move house?
Yes, you can call the hotline or notify HL Assurance in writing as soon as you are aware of such a change.
What are the Terms and Conditions of HomeSafe?
You can find out more about our Terms and Conditions here.
How do I make a claim for my home contents?
You can submit the claim form, along with the supporting documents by fax to 6224 1923, email to claims@hlas.com.sg or post it to HL Assurance’s office at 11 Keppel Road #11-01 ABI Plaza Singapore 089057.
HomeSafe Annual Plan Voucher Promotion Terms and Conditions
You can find out more about our Terms and Conditions here
Copyright © 2020 HL Assurance
Member of the Hong Leong Group
Malaysia
Hong Kong