current promotion

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50% Off

Enjoy more than $100,000 worth of benefits in protecting your home. Usual price $100. Terms apply.

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24/7 Home Assistance Service

Access to our 24-hour Home Assistance Services that includes arrangement of plumbing, locksmith, pest control, electrician, home cleaning and air-con service referral


Why you should get Home ProtectLite

Most Fire Insurance Scheme only cover against damage to the building structure (permanent fixtures, ceilings, windows etc), and excludes any loss or damage to your renovations, or any household contents (such as personal belongings, furniture, electrical items). Home ProtectLite provides you with simple and affordable protection of the contents in your house for a total sum insured of $50,000.

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Household Contents, Renovation, Fixtures and Fittings

Covers physical loss or damages to the Renovations and Contents caused by insured perils – such as Fire, Bursting of Water pipes, Explosion, Lightning etc

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Liability of the Insured

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 anywhere within Singapore.

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24-Hour Home Assistance Services

Access to 24-hour Home Assistance Services that includes arrangement of plumbing, locksmith, pest control, electrician, home cleaning and air-con service referral

Benefits of Home ProtectLite

Protect your loved ones and belongings with Home ProtectLite, 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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Complimentary Home

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 ProtectLite 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 30 June 2024.
  • Every policyholder will be entitled to 50% off any Home ProtectLite premium and a complimentary access to 24-Hour Home Assistance Concierge Services upon successful online application of Home ProtectLite 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 © 2024 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.

Home Assistance Concierge Services Hotline

As long as you are our Home ProtectLite 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

Home ProtectLite FAQs
Frequently Asked Questions on Home Contents Insurance

A: Home ProtectLite is a home contents insurance plan that protects your renovations and contents within your home against fire, bursting of water pipes, theft and other causes specified in the policy. In addition, it also comes with other benefits like Personal Liability, Personal Accident Protection and Emergency Home Assist at no additional cost.

A: Under most Fire Insurance Scheme, you will only be covered against damage to the building structure – which includes permanent fixtures, ceilings, windows etc. Any loss or damage to your renovations, or any household contents (such as personal belongings, furniture, Electrical’ items) will not be covered.

A: Home ProtectLite covers the home due to the following perils

  • Water discharged or overflowing or leaking from pipes
  • Fire, lightning, domestic explosion
  • Hurricane, cyclone, typhoon, windstorm, flood
  • Earthquake or earthquake shock.
  • Theft accompanied by violent or forcible entry into Your Home by any person other than a member of the Household or any other person living in Your Home.

A: No, you do not need to provide any list of home items to get covered. It is an easy application and immediate cover (when you choose the effective date)

A: Yes, you may transfer your Home ProtectLite to your new home. Please write in to HL Assurance and inform us of the change.

A: You can find out more about our Terms and Conditions for Home ProtectLite 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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