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Residential Premises Protection

Protection against perils such as Flood or Fire

Protect your property with a 40% discount including mortgaging interest of the finance companies against loss or damage to the building by the insured perils such as Flood or Fire.

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Fixtures and Fittings Protector

Protect your Home Investments

Get covered for your home’s fixture and fittings such as bathroom suites, kitchen units and built-in cabinets when an unfortunate accident occurs.

Property Protect360 Product Benefits

Secure your Assets with us

Safeguard Against Loss, Damage Due to Fire

Coverage against Fire, Lightning and Insured perils

Provides coverage for loss or damage to a structure damaged or destroyed in a fire so that you don’t have to pay and fix the damage to your walls, electrical wiring, HDB water pipes and so on.

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Professional Fees and Debris Clearance

Start Anew without Financial Burden

Property Protect360 provides reimbursement for the costs incurred for professional fees of architects, engineers or surveyors to restore your Home if damage is caused by an insured peril and the cost of removing debris.

Water Leakage Protection

Relieve Property Owners of Repair Work

Get protected against water discharged from overflowing or leaking from pipes, water systems, roof, roof gutters and downpipes.

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Benefits of Property Protect360

Property Protect360 provides comprehensive protection to your valuable asset your Home.

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Residential Premises
Protection

Furniture - Fire Icon

Fixtures and Fittings
Coverage

Water - Fire Icon

Water Leakage

Money - Fire Icon

Professional Fees and
Debris Clearance

Why you should choose Property Protect360?

  Quick Support

Customer Review by William Lian

Support was rather quick. Have been insuring with HLAS for the past few years and so far very pleased with their product and customer service.

  Helpful and Patient Customer Service

Customer Review by Cheng Mun Phua

HL Assurance relationship officer has been very helpful and patience to listen, guide, share and advise the consumer on the policy that address his needs.

Property Protect360 Promotion Terms and Conditions
Promotions
  • “Promotion” refers to Fire Insurance Promotion.
  • This promotion is valid until 31 October 2020.
  • Every policyholder will be entitled to 40% off Property Protect360 premium upon successful online application of Property 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 ©2020 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: www.hlas.com.sg
Benefits And Coverage
What our Fire Insurance Covers

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

Coverage
It covers Residential Premises under Mortgage Finance including Fixtures and Fittings.
Includes :
  • Private Residential Apartment
  • MCST (Landed / Private Apartment)
  • HDB Residential

It also covers Professional Fees and Debris Clearance.
Extraneous Perils
Includes :
  • Explosion
  • Flood
  • Water discharged overflowing or leaking from pipes, water systems, roof, roof gutters and downpipes
  • Vehicle impact damage
  • Riot
  • Malicious damage
  • Loss, damage or destruction to electrical machines, electrical installation or apparatus
  • Smoke damage
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 ( www.gia.org.sg or www.sdic.org.sg).

FAQs
Frequently Asked Questions for Property Protect360

A: The Insured should file the report to Insurance Company as soon as possible and submit the written claims within fourteen (14) days. The Insured must also inform the Insurance Company on any other insurance policies, if any.

A: Property Protect360 Insurance protects the owner of the property including mortgaging interest of the finance companies against loss or damage to the building by the insured perils.

A: Generally, the owner of the building is required to effect the cover instead of the tenants.

A: Property Protect360 Insurance for building provide cover against loss or damage by:

  • Fire
  • Lightning
  • Extraneous peril specified in the policy

A: It does not cover:

  • Loss by theft
  • Loss, damage or destruction by fraud or dishonesty, wilful act or wilful negligence of the Insured
  • Consequential loss

A: We do not encourage you underinsure. If the sum insured decided by an Insured is below the reconstruction or replacement cost of building the property, insurers will normally apply an average to the partial or total loss.

A: Generally, the bank will determine the sum insured.

Claims
File a Fire Insurance Claim

What should I do in the event of Fire?

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

Property / Fire Claim Form (PDF)

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