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Free Home Concierge

15% Discount + Free Home Concierge*

With our home insurance, enjoy FREE Home Concierge services for – Electrician, Locksmith, Plumber, Pest Control and Air-con Repair. You know who to call when you need them. *Terms Apply

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Alternative Accommodation

For a Peace of Mind

Get up covered for up 30 days for the cost of a reasonable alternative accommodation and temporary storage if your home deemed uninhabitable from insured events. *Terms Apply

Why You Should Choose Home Protect360

Your home is more than a roof over your head. It is your sanctuary and the anchor of your family.


Coverage of Home Contents and Furniture

Home Protect360 provides insurance coverage for your furniture, valuables, renovations and personal liability against unforeseeable situations such as fires, burglaries and floods!


Worldwide Personal Liability

Not only will you get Personal Accident Insurance Cover for you and your loved ones, we will provide Worldwide Personal Liability against any legal liability for accidental property damage or loss or accidental death of or bodily injury caused by negligence.


Loss of Money due to Theft in Your Home

In the unlikely event of a burglary, get replacement costs of locks, keys, windows and covered the loss of your hard-earned cash and jewellery that you have kept in locked drawers or safe!

Benefits of Home Protect360

Protect your loved ones and belongings with Home Protect360, the insurance which provides coverage for your furniture, valuables, renovations and personal liability against unforeseeable situations such as fires, burglaries and floods.

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Home Contents Cover

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Worldwide Personal

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Personal Accident

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What our customers have to say about us

  Competitive Quote

Customer Review by Leslie Sun

Fuss free and really competitive quote. The customer service person who processed my quote was both great professional and friendly. Great experience with HL Assurance.

  Thoroughly Satisfied

Customer Review by Hann Bin Lim

As a client, the most important factors I look for include: service, response time, comprehensiveness of policy as well as price. I must say, after going through the process, I am thoroughly satisfied and certain I made the right choice!

Home Protect360 Promotion Terms and Conditions

Home Contents Insurance Promotion Terms and Conditions

  • “Promotion” refers to Home Contents Insurance Promotion.
  • This promotion is valid from not until 31 March 2023.
  • Every policyholder will be entitled to 15% off any Home Protect360 premium and a complimentary access to 24-Hour Home Assistance Concierge Services upon successful online application of Home Protect360 plan.
  • All applications are subject to HL Assurance’s acceptance.
  • Promotion is not valid in conjunction with other promotions, discounts and privileges.
  • HL Assurance” means HL Assurance Pte. Ltd.
  • HL Assurance at any time, at its sole discretion and without prior notice; can vary, modify, delete or add to these terms and conditions. Please refer to the policy wording for full details.
  • HL Assurance full disclaimers, terms and conditions apply to individual products. Copyright ©2021 HL Assurance. Reg. No. 201229558W.
  • In case of dispute, HL Assurance’s discretion is final.

Application & Enquiry

  • Telephone: 6702 0202 (Mondays to Fridays, 9 a.m – 6 p.m excluding Saturdays, Sundays and Public Holidays)
  • Website:
Benefits And Coverage
What our Home Contents Insurance Covers

Note: Swipe left or right to view the full table on your mobile screen.

CoverageMaximum Benefit Payable (S$)
Household Contents, Renovation, Fixtures and Fittings
Against accidental loss of or damage to the Household Contents100,000200,000300,000
Valuables such as jewellery, watches, antiques(Limit per article of $2,500)5,0005,0005,000
Additional Coverage
Temporary Storage (Maximum up to 30 days)15,00030,00045,000
Alternative Accomodation Expenses (Maximum up to 30 days)15,00030,00045,000
  • Daily limit for family members of 3 or less
300 / day500 / day750 / day
  • Daily limit for family members of 4 or more
600 / day1,000 / day1,500 / day
Interior Decoration Period/Refurbishment Work (Maximum up to 60 days)30,00060,00090,000
Emergency Cash Allowance (After 3 days or above)1,0001,0001,000
Loss of Money
Against loss of cash kept in locked drawers or safe arising from Theft by forcible and violent entry or exit
Locks and Keys
Replacement costs of locks, keys and window due to burglary or robbery
Deterioration of Frozen Food
Cost of replacing deteriorated or putrid food due to malfunction of the deep freezer
Accidental Breakage of Fixed Glass and Mirror
Replacement costs due to accidental breakage of fixed glass in windows, doors and fan lights
Worldwide Personal Liability
Against any legal liability for accidental property damage or loss or accidental death of or bodily injury caused by negligence of the insured
Additional Coverage
Occupier's Liability500,000 500,000 500,000
Visitor's Personal Effects1,0001,0001,000
Removal of Debris
Cost of removing from your Home the debris of Household Contents which results from loss or damage
Fire Extinguishing Expenses
Cost of replenishment of fire fighting appliances in your home
Family Personal Accident (Worldwide Cover)35,00035,00035,000
Adult Family Members10,000 / pax10,000 / pax10,000 / pax
Unlimited Number of Children3,000 / pax3,000 / pax3,000 / pax
Additional Coverage
Accidental Medical expenses (Limit per person - $300)1,000 / family1,000 / family1,000 / family
Monthly Premium (Excluding Prevailing GST)203549
Personal Effects (Optional Cover)
Against accidental loss of or damage to the Personal Effects and Valuables anywhere within the Republic of Singapore
(Limit per article)5,00010,00012,000
Additional Monthly Premium (Excluding Prevailing GST)153853
Total Monthly Premium (Excluding Prevailing GST)3573102
Home Assistance Concierge Services Hotline

As long as you are our Home Protect360 policyholder, you can call our Home Assistance Concierge Services Hotline at 6922 6009 to request for a complimentary concierge services for electrician, locksmith, plumber, pest control and air-con repair service.

Policy Owners’ Protection Scheme

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact HL Assurance Pte. Ltd. or visit the GIA or SDIC websites ( or

Frequently Asked Questions on Home Contents Insurance

A: The House Owner and/or Tenant occupying the insured premises.

A: This is a comprehensive insurance! It covers Household Contents, Renovation, Fixtures and Fittings, Fixed Glass and Mirror by Accidental Loss or Damage, Loss of Money whilst kept in drawers or safes, Replacement of Locks & Keys and/or Loss due to Spoilage of Food and Drinks.

Please refer to the Policy Wording for full details.

A: Yes, you can claim the expenses incurred on the Removal of Debris, dismantling or demolishing, shoring up or propping the property, up to the sum insured.

A: Yes, We have enhanced our cover on Valuables under Section 1 and Optional Cover Section 10. Please refer to the Summary of Benefits for their respective coverage.

A: Yes, you can be assured that your home contents will be replaced or reimbursed.

A: You can submit the claim form, along with the supporting documents by fax at 6224 1923 or email at Alternatively you can post it to HL Assurance office at 11 Keppel Road #11-01 ABI Plaza Singapore 089057.

A: You can find out more about our Terms and Conditions for Home Protect360 here.


For 24-Hour Home Concierge and Assistance Service, please contact 6922 6009.

File a Home Contents Insurance Claim

What should I do in the event of Damage/Loss?

At the occurrence of the incident, please contact us at 6922 6003.

Claim Procedure

  • Make a police report if the loss or damage is due to theft, burglary or malicious act.
  • Take necessary steps to minimize further loss or damage.
  • Take photographs of the damaged items and retain the items for our inspection.
  • Assist and cooperate with the loss adjuster who may be sent to assess the situation.
  • Download a copy of the claim form
  • Complete the claim form and submit it with the necessary supporting documents to us.

Supporting Documents

  • Original completed claim form.
  • Photographs of damaged property and / or CCTV footage showing circumstances of incident.
  • Copy of Original Invoices / purchase receipts of damaged / lost property.
  • At least two (2) Repair / replacement quotations of the damaged / lost property.
  • Assessment Report from repairer on the cause and extent of damages.
  • Police Report / Incident Report (if applicable).

Claim Form

Home Contents Claim Form (PDF)

You can submit the above original documents to substantiate your claim by fax at 6224 1923 or email at or post to HL Assurance office at 11 Keppel Road #11-01 ABI Plaza Singapore 089057.

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