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
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
Your home is more than a roof over your head. It is your sanctuary and the anchor of your family.
Home Protect360 provides insurance coverage for your furniture, valuables, renovations and personal liability against unforeseeable situations such as fires, burglaries and floods!
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 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!
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!
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 (Excluding Prevailing 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 (Excluding Prevailing GST) | 15 | 38 | 53 |
| Total Monthly Premium (Excluding Prevailing GST) | 35 | 73 | 102 |
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.
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).
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.
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.
Your home is one of the most expensive things you will ever buy and also where you store your most precious worldly belongings, so it makes sense to protect it. However, many people think fire insurance offers their home adequate protection. That could not be farther from the truth, as fire insurance is intended to…
Details
There are several reasons why you might need to get your home appraised in order to determine its value. If you are buying or selling property, getting an accurate price estimate can prevent you from getting ripped off or shortchanged. This is particularly important if you are trying to buy or sell without the help…
Details
Transforming a property into your dream home is no easy feat, and many homeowners spend tens or even hundreds of thousands on renovations. Save money by trying these five DIY home renovations. Construct and upcycle your own furniture You don’t need to spend a fortune on brand new furniture. One easy option is to…
Details
