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.
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.*
Home Protect360 Product Benefits
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
Against Unforeseeable Situations such as Fires, Burglaries and Floods
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
Keeping Your Home and Family Safe
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
Protection Against Burglary and Theft
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.
Home Contents Cover
Worldwide Personal
Liability
Personal Accident
Coverage
Complimentary Home
Concierge
Why you should choose Home Protect360?
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
Promotions
Home Contents Insurance Promotion Terms and Conditions
- “Promotion” refers to Home Contents Insurance Promotion.
- This promotion is valid from now to 30 April 2020 (with both dates inclusive).
- 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 ©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 Home Contents Insurance Covers
Note: Swipe left or right to view the full table on your mobile screen.
| 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 (Before 7% GST) | 20 | 35 | 49 |
| 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 (Before 7% GST) | 15 | 38 | 53 |
| Total Monthly Premium (Before 7% GST) | 35 | 73 | 102 |
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 ( www.gia.org.sg or www.sdic.org.sg).
FAQs
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.
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.
Claims
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 claims@hlas.com.sg or post to HL Assurance office at 11 Keppel Road #11-01 ABI Plaza Singapore 089057.
