From just $0.63* a day, enjoy free home concierge services for – electrician, locksmith, plumber, pest control and air-con repair. *Terms apply
Get covered for up to 30 days for the cost of a reasonable alternative accommodation and temporary storage if your home is deemed uninhabitable from insured events.
Your house is a sanctuary for your family to come home to. Protect it with a house insurance plan that you can trust.
Be it an HDB BTO flat, landed property, or a condo in Singapore, having the right home insurance policy will keep your residence protected. Home Protect360 provides coverage for your house and personal liability against unforeseeable situations.
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.
In the event of theft, secure a replacement for any locks, keys, and windows, and protect your cash and jewellery with our comprehensive house insurance. Compare options and get extensive coverage with HL Assurance for peace of mind against fire, theft, and accidental damage.
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.
Home Contents Cover
Worldwide Personal
Liability
Personal Accident
Coverage
Complimentary Home
Concierge
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.
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!
This promotion is valid from now until 31 December 2025.
This promotion is only applicable for new purchases made via HL Assurance website at https://www.hlas.com.sg/personal-insurance/home-protect360.
New purchases refer to purchases via HL Assurance website (as per stated above), and are not applicable to any purchase from HL Assurance’s agency partner.
This promotion is not valid with any ongoing discounts, schemes or privileges.
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.
In the event of any dispute, HL Assurance management’s decision is final.
HL Assurance’s full disclaimers, terms, and conditions apply to individual products. © 2025 HL Assurance is a registered service mark of Hong Leong Group. HL Assurance Private Limited Co. Reg. No. 201229558W.
“HL Assurance” means HL Assurance Private Limited.
HL Assurance’s Travel Insurance is underwritten by HL Assurance Pte. Ltd. Co. Reg. No. 201229558W. This policy is protected under the Policy Owner’s 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 sdic ). This is not a contract of insurance. Accordingly, the information should be read and construed in the light of, and subject to, all terms and conditions contained in the Policy. Full details are stated in the Policy.
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| Coverage | Maximum Benefit Payable (S$) | ||
| Silver | Gold | Platinum | |
| Household Contents, Renovation, Fixtures and Fittings | |||
| Against accidental loss of or damage to the Household Contents | 100,000 | 200,000 | 300,000 |
| Valuables such as jewellery, watches, antiques(Limit per article of $2,500) | 5,000 | 5,000 | 5,000 |
| Additional Coverage | |||
| Temporary Storage (Maximum up to 30 days) | 15,000 | 30,000 | 45,000 |
| Alternative Accomodation Expenses (Maximum up to 30 days) | 15,000 | 30,000 | 45,000 |
| 300 / day | 500 / day | 750 / day |
| 600 / day | 1,000 / day | 1,500 / day |
| Interior Decoration Period/Refurbishment Work (Maximum up to 60 days) | 30,000 | 60,000 | 90,000 |
| Emergency Cash Allowance (After 3 days or above) | 1,000 | 1,000 | 1,000 |
| Loss of Money Against loss of cash kept in locked drawers or safe arising from Theft by forcible and violent entry or exit | 1,000 | 1,500 | 2,500 |
| Locks and Keys Replacement costs of locks, keys and window due to burglary or robbery | 1,000 | 1,500 | 2,000 |
| Deterioration of Frozen Food Cost of replacing deteriorated or putrid food due to malfunction of the deep freezer | 1,000 | 1,000 | 1,000 |
| Accidental Breakage of Fixed Glass and Mirror Replacement costs due to accidental breakage of fixed glass in windows, doors and fan lights | 2,000 | 3,500 | 5,000 |
| 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 | 500,000 | 500,000 | 500,000 |
| Additional Coverage | |||
| Occupier's Liability | 500,000 | 500,000 | 500,000 |
| Visitor's Personal Effects | 1,000 | 1,000 | 1,000 |
| Removal of Debris Cost of removing from your Home the debris of Household Contents which results from loss or damage | 10,000 | 15,000 | 20,000 |
| Fire Extinguishing Expenses Cost of replenishment of fire fighting appliances in your home | 5,000 | 5,000 | 5,000 |
| Family Personal Accident (Worldwide Cover) | 35,000 | 35,000 | 35,000 |
| Adult Family Members | 10,000 / pax | 10,000 / pax | 10,000 / pax |
| Unlimited Number of Children | 3,000 / pax | 3,000 / pax | 3,000 / pax |
| Additional Coverage | |||
| Accidental Medical expenses (Limit per person - $300) | 1,000 / family | 1,000 / family | 1,000 / family |
| Monthly Premium (Excluding Prevailing GST) | 22.23 | 38.89 | 54.45 |
| Personal Effects (Optional Cover) Against accidental loss of or damage to the Personal Effects and Valuables anywhere within the Republic of Singapore | 20,000 | 50,000 | 70,000 |
| (Limit per article) | 5,000 | 10,000 | 12,000 |
| Additional Monthly Premium (Excluding Prevailing GST) | 16.67 | 42.23 | 58.89 |
| Total Monthly Premium (Excluding Prevailing GST) | 38.90 | 81.12 | 113.34 |
As long as you are our Home Protect360 policyholder, you can call our Home Assistance Concierge Services Hotline at 6922 6009 to request for complimentary concierge services for electrician, locksmith, plumber, pest control and air-con repair service to your house. This benefit is part of our comprehensive home insurance package, designed to provide peace of mind and immediate assistance for your private home when you need it most.
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). This comprehensive home insurance coverage 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).
A: The House Owner and/or Tenant occupying the insured premises. You must be a Singapore Citizen, Singapore Permanent Resident, or a foreigner holding a valid pass issued by the Singapore government and residing in Singapore.
A: Home Protect360 Insurance offers a wide range of protections for your home, be it a HDB BTO, condo, or landed property, encompassing accidental loss or damage to household contents, renovations, fixtures and fittings, electronics, and fixed glass and mirrors. Additionally, it covers the loss of money stored in drawers or safes, the replacement of locks and keys, and compensates for the spoilage of food and drinks. This comprehensive coverage ensures that your home and valuables are safeguarded against various risks.
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 claims@hlas.com.sg. 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.
At the occurrence of the incident, please contact us at 6922 6003.
Home Contents 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.
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