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Home Insurance for HDBs, Condominiums and Landed Houses

  • Buy now for all-risk home contents coverage
  • Protect your home contents and family
  • A complete plan with complimentary HomeCare Services, for everyday emergencies
PROTECT YOUR HOME TODAY

A full complete cover for all your Home Insurance needs with AIG

With 5 complimentary services for everyday emergencies

Protect what matters most with AIG's Homes Advantage home insurance. A flexible, all-in-one plan designed for every type of Singapore home, whether you live in an HDB flat, a condominium, or a landed property.

Our Homes Advantage insurance plan gives you the freedom to choose a ready-made package or build a custom plan that fits your exact needs.

Receive up to S$150 worth of complimentary repair services, three times a year, covering locksmith, electrical, plumbing, pest control, and air-conditioner repairs.

Available 24/7 for everyday emergencies.

Please refer to the policy wording for more information.

Current Promotion

Receive up to S$260 in gift vouchers upon successful enrolment of selected Homes Advantage Package plans.

Promotion is valid till 31 August 2026. T&Cs apply.

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Why every Singapore homeowner needs Home Insurance

Your home is likely your most valuable asset.

  • For HDB flat: While owners are required to have basic fire insurance under HDB's mandatory scheme, that coverage is limited to the structure of the flat itself. It does not protect your renovation works, furniture, personal belongings, or valuables.
  • For condominium: Owners have varying levels of structural protection that may be provided through MCST insurance, however this typically covers common areas only; a bank fire insurance policy is also required if a bank loan has been taken.
  • For landed homes: Insurance for landed homes and high-value properties is especially important as the cost to rebuild or repair structural damage can be significant, and standard policies may not cover all risks*.
 
Who is AIG Homes Advantage for?
  • HDB or Condominium flat owners who want all-risk contents protection beyond mandatory fire insurance limited to coverage on building structure and home insurance that may only cover contents limited to specified insured perils
  • Landed homeowners who need dedicated insurance for landed homes, including coverage for the building structure, renovations, and home contents. Whether you own a terraced house, semi-detached, bungalow, or cluster home, our insurance for landed homes is built to match the unique risks and higher rebuild costs associated with landed property in Singapore.
 
What does AIG's Homes Advantage cover?
  • Building, renovated items, fixtures and fittings
  • Home contents, furniture and clothing
  • Personal belongings and valuables
  • Worldwide personal effects and identity fraud protection
  • Personal and tenant liability

Key benefits

All-risk contents cover

 Your home contents are protected against all risks*, giving you peace of mind in almost any situation.

First loss protection 

 With the Homes Advantage Package, we pay up to your sum insured, so you receive maximum value from your cover.*

Customisable coverage

 Need flexibility? Our custom Homes Advantage plan lets you set your own coverage limits, including for high-value items above S$10,000 — ideal for landed homeowners with premium furnishings or art collections.

Worldwide personal liability

 You and your family are covered for personal liability of up to S$1,000,000 anywhere in the world.

Alternative accommodation

 If your home becomes uninhabitable following an insured event, we cover temporary accommodation costs, and even loss of rental income if you are a landlord.

*Subject to policy terms and conditions

What is covered?

 

Homes Advantage Package 

Complete package with option to add extra building and contents cover.

Homes Advantage 

Customisable cover, suitable for high-value items.
  Classic Superior Premier (Custom)
Annual premium
(inclusive of GST)		 S$203.56 S$290.76 S$401.94 Contact us or your producer today for a quote
Benefits summary
Building cover
Loss or damage to the building.		 Up to S$85,000 Up to S$135,000 Up to S$225,000 Customised sum insured
- Loss of rent
 If your home is made uninhabitable due to an insured peril.         		 Up to 20% of building sum insured
- Landlord’s legal liability
Liability as a landlord to your tenants, due to accidental injury or property damage in your property.		 S$1,000,000

 

Homes Advantage Package 

Complete package with option to add extra building and contents cover.

Homes Advantage 

Customisable cover, suitable for high-value items
  Classic Superior Premier (Custom)
Annual premium
(inclusive of GST)		 S$203.56 S$290.76 S$401.94 Contact us or your producer today for a quote
Benefits 
Home contents
All-risks cover for your home contents, including furniture, clothing, personal belongings and valuables.		 Up to S$20,000 Up to S$35,000 Up to S$50,000 Customised sum insured
- Household contents in commercial storage        Up to 20% of contents sum insured, or S$50,000, whichever is lower
(excess applies)
- Home security system damaged due to theft Up to S$1,000
- Locks and keys damaged due to theft or robbery Up to S$500
- Loss of personal cash Up to S$500
- Frozen food spoilage Up to S$250 per occurrence (excess of S$50 applies)
- Fire-fighting appliances
If used or destroyed in a fire.		 Up to S$500

 

 

Homes Advantage Package 

Complete package with option to add extra building and contents cover.

Homes Advantage 

Customisable cover, suitable for high-value items.
  Classic Superior Premier (Custom)
Annual premium
(inclusive of GST)		 S$203.56 S$290.76 S$401.94 Contact us or your producer today for a quote
Benefits
Worldwide personal effects Up to S$2,000 Up to S$2,000 Up to S$2,000 Optional add-on
- Medical expenses due to theft or robbery Up to S$1,000 per occurrence Up to S$1,000 per occurrence Up to S$1,000 per occurrence Up to S$1,000 per occurrence
- ATM assault Up to S$1,000 per occurrence Up to S$1,000 per occurrence Up to S$1,000 per occurrence Up to S$1,000 per occurrence
Worldwide personal liability Up to S$1,000,000
Alternative accommodation
If your home is made uninhabitable due to insured perils.		 Up to 10% of the building sum insured, 20% of the contents sum insured, or S$20,000 (whichever is lowest)

 

Homes Advantage Package 

Complete package with option to add extra building and contents cover.

Homes Advantage

Customisable cover, suitable for high-value items.
  Classic Superior Premier (Custom)
Annual premium
(inclusive of GST)		 S$203.56 S$290.76 S$401.94 Contact us or your producer today for a quote
Benefits
Bill Relief Protector
Covers your utilities bill in unforeseen events including retrenchments		 Up to S$3,000 Up to S$3,000 Up to S$3,000 Up to S$3,000

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 AIG Asia Pacific Insurance Pte. Ltd. or visit the AIG, GIA or SDIC websites (www.AIG.sg or www.gia.org.sg or www.sdic.org.sg).

Extend your coverage

 

Benefit

Premium

Inclusive of GST

Additional building cover – up to S$500,000

S$11.99 for every S$20,000 sum insured

Additional home contents cover – up to S$100,000

S$38.15 for every S$10,000 sum insured

 

Benefit

 

Coverage

 

Premium
Worldwide Identity Fraud Cover
Monetary loss from identity fraud anywhere in the world. Up to S$10,000
  •  Individual – S$38.15
  •  Family – S$65.40
Legal fees, lost wages or other incidental costs you incur in Singapore to resolve identity fraud issues up to S$10,000. Up to S$20,000
  •  Individual – S$81.75
  •  Family – S$130.80
Multi-Appliance Extended Warranty
Kitchen products such as microwave oven, refrigerator, cooker hood and hob. Up to S$2,000 S$152.60
Home products such as washer, dryer, television, audio equipment and air-conditioner. Up to S$2,000 S$310.65
Bicycle Cover
For loss or damage to one bicycle due to theft outside your home. Up to S$1,000 S$27.25
Tenant's Liability
Covers tenant's legal liability to the landlord. Up to S$100,000 S$54.50

 

 

Benefit Coverages Premium
Domestic Workers
Covers you against legal liability to your domestic worker due to injuries from injury or disease arising out of employment with you. Up to S$10,000 per domestic worker S$27.25 per individual
Worldwide Personal Effects Cover
Covers loss or damage to personal effects you are carrying or wearing while outside the home or travelling.
  • Individual: Up to S$2,000
  • Proposer and spouse: Up to S$5,000
  • Family: Up to $10,000
  • Customised sum insured
  • Individual – S$30.52
  • Proposer and spouse – S$136.25
  • Family – S$381.50
  • Customised: subject to approval
- Replacement of locks and keys if they are stolen Up to S$500  
- Medical expenses due to theft outside your home Up to S$1,000 per occurrence  
- Loss or damage suffered as a result of ATM assault Up to S$1,000 per occurrence  

Before you buy

Who it is for

Homes Advantage Package and Homes Advantage are suitable for owners of condominiums or landed homes, as well as for HDB flat owners who want a higher level of cover.

Support

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Enquiries: 6419 3000
24-hour HomeCare services: 6419 3008

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