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enjoy family harmony
and home security
Your home is the shelter of love and security for you and your family.
Providing protection for your home is definitely not a luxury but a
prudent investment.
Whether today you are a Houseowner, Landlord or Tenant, you need to
protect this dear asset of yours.
As a Landlord, you may need to ensure that the building, fixtures
and fittings are covered. As a Tenant, you may want to at least cover
the contents of your rented property.
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From as low as S$0.15 a day, you can protect your home
fixtures, fittings, renovation, contents and your family. With SmartHome
Essential, your dearest home and loved ones are protected
against fire, lightning, theft, flood and many more.
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| Meanwhile, enjoy extended
benefits: |
- Loss of Money
- Breakage of Glass or Fixed Mirrors
- Cost of Removing Debris
- Professional Fees
- Loss of Rent / Cost of Alternative Accommodation
- Temporary Removal
- Fire Extinguishing Costs
- Replacement of Locks and Keys
- Legal Documents
- Home Quarantine Order
- Emergency Cash Allowance
- Worldwide Personal Liability
- Family Personal Accident
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| Choose from any of our 4 packages below or you can even customise
your own. Enjoy free Personal Accident Cover! |
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COVERAGE
& BENEFITS
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Coverage
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Standard |
Classic |
Deluxe |
Superior |
Sum
Insured
/Limit
S$ |
Sum
Insured
/Limit S$ |
Sum
Insured
/Limit S$ |
Sum
Insured
/Limit S$ |
| 1. |
Fixtures, Fittings & Renovation
(eg. Flooring, Built-in Cabinet) |
50,000 |
100,000 |
180,000 |
250,000 |
| 2. |
Home Contents |
15,000 |
25,000 |
35,000 |
50,000 |
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* * FREE Benefits applicable to Section 2: |
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Loss of Money |
1,000 |
1,000 |
1,000 |
1,000 |
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Temporary Removal of Property |
750 |
1,250 |
1,750 |
2,500 |
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Replacement of locks and keys following a break-in |
500 |
500 |
500 |
500 |
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Legal Documents New |
500 |
500 |
500 |
500 |
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Emergency Cash Allowance New |
500 |
500 |
500 |
500 |
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Home Quarantine Order New
(max $100
per day)
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1,400 |
1,400 |
1,400 |
1,400 |
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* * FREE Benefits applicable to Section 1 & 2: |
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Breakage of Glass or Fixed Mirrors |
1,000 |
1,000 |
1,000 |
1,000 |
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Cost of Removing Debris |
3,250 |
6,250 |
10,750 |
15,000 |
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Professional Fees |
3,250 |
6,250 |
10,750 |
15,000 |
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Loss of Rent / Cost of Alternative Accomodation (max
$250 per day) |
6,500 |
12,500 |
21,500 |
30,000 |
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Fire Extinguishment Cost (eg.
Cost of replenishment of fire extinguisher) |
2,000 |
2,000 |
2,000 |
2,000 |
| 3. |
Worldwide Personal Liability |
250,000 |
250,000 |
250,000 |
250,000 |
| 4. |
Family Personal Accident
(i.e.
Accidental Death or Total Permanent 
Disability following Fire and/or Break-in) |
S$20,000
per adult
S$10,000 per child (max 3)
subject to aggregate limit of S$50,000 |
Annual
Premium
S$ (including 7% GST) |
53.50 |
82.93 |
120.38 |
163.18 |
3-Year
Special Premium
S$ (after 5% discount & including
7% GST) |
152.48 |
236.35 |
343.08 |
465.06 |
* Enjoy 5% premium discount and
enhanced coverage to 120% of the original sum insured in Sections
1, 2 & 3 with our 3-year plan. |
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| Cover For Building |
| You can also cover the building at minimal costs. See our rating
table for premium computation of the various coverage. |
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Rating
Table |
| Coverage |
Annual
Rate |
| 1a.
Building |
S$2.50
per S$10,000 Sum Insured |
| 1b.
Fixtures, Fittings and Renovation |
S$2.50
per S$10,000 Sum Insured |
| 2.
Home Contents |
S$15
per S$10,000 Sum Insured |
| 3.
Worldwide Personal Liability |
S$15
per S$250,000 Sum Insured |
| 4.
Family Personal Accident |
FREE
If Section 1 or 2 is taken up |
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Important
Definitions
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Insured Perils mean fire
and/or lightning, explosion impact by aircraft, impact by
road vehicle, bursting or overflowing of domestic water
tank, piping, washing machine, actual or attempted theft,
accompanied by forcible and violent entry, hurricane, earthquake,
volcanic eruption, flood, riot, strike, malicious damage.
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Building is the home
stated in the schedule and include domestic greenhouses,
tennis hard courts, swimming pools, patios, paths, drives,
boundary and garden walls, gates, hedges and fences if they
form part of the property.
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Fixtures, fittings and renovation
is the improvements made to your property eg. flooring,
built-in cabinet.
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Household Contents shall
mean anything in or on your home belonging to you, your
family and domestic servants or for which you are responsible
but excluding :
(a) motor vehicles, watercraft and their accessories
(b) livestock and pets
(c) fixtures, fittings and renovation
(d) securities, certificates and documents
(e) property used or held for business purposes
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Money shall mean bank
or currency notes, coins, cheques, cash cards, premium bonds,
travellers cheques, travel tickets, postal or money orders,
postage stamps, national saving stamps or certificates,
record or book or similar tokens, luncheon vouchers belonging
to you.
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Valuables shall mean
jewellery, furs, works of art, curios, carpets collections,
stamps or coins collections, items of gold, silver or other
precious metals belonging to you or your family.
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Worldwide Personal Liability
shall mean all sums for which you, your family or your domestic
servants may become legally liable to pay (anywhere in the
world) as a result of any accidental bodily injury or death
caused to third parties and/or accidental damage to their
property. We also cover your legal liability as a tenant.
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| Important
Exclusions |
(Please refer to Policy for complete
details)
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Landslip, subsidence.
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War and warlike activities, rebellion, revolution, insurrection
or military or usurped power.
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Acts of terrorism.
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Nuclear and nuclear-related activities.
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Any unexplained loss or mysterious disappearance.
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Loss or damage if your home is left unoccupied for more
than 60 days.
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IT hazards and Total Asbestos.
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Contracts (Rights of Third Parties).
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Important
Notes
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For Flexible Plan, it is compulsory to take up either
Building or Fixtures, Fittings & Renovation or Home
Contents cover.
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Please ensure that the amount insured is adequate for
your property.
- For Building, Fixtures, Fittings and Renovation - insure
the full cost of rebuilding.
- For Contents - insure for the replacement cost of all
your personal effects, valuables and household goods.
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Maximum limit for the following items:
- Laptop: S$2,000
- Mobile phone: S$300
- Minimum premium applicable: S$53.50 (including 7% GST)
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Money Back Guarantee.
You'll have 14 days to review your policy from the date
you receive it. If you are not satisfied, simply return the
policy to us within 14 days for a full premium refund.
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