^S$42,000

Building Coverage

^S$150,000

Household Contents and Renovations

^S$400,000

Personal Liability within Singapore

All Details

• Key Features

  • Homes Essential is a newly launched product that caters to both HDB and condominium home owners. Formerly known as Enhanced Public Housing Content Insurance (EPHCI).

  • Bill Relief Protector covers utility bills in unforeseen events including retrenchment.

  • Covers loss or damage to your household contents, renovations, fixtures and fittings that are caused by the insured perils listed in the policy wording, including fires, explosion of domestic appliances and more.

  • Protect your home and its contents, including your belongings, valuables and renovated items, against insured perils.

  • Covers loss or damage to the building arising from insured perils.

  • Get help with expenses for alternative accommodation if your home is too damaged to live in.

  • Get up to S$150 worth of HomeCare Services, thrice a year, for everyday emergencies such as locksmith, electrical assistance, plumbing, pest control and air-conditioner repair services.

  • Covers you and your immediate family members who may be held personally and legally liable for accidental death, bodily injury or accidental property damage to a third party.

  • Covers accidental death benefit for you and your spouse (65 years and below).

  • Sign up for GIRO billing with the convenience of auto-renewal, so your home is always protected.

  • 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.

Building

Scope of Risk (buildings)	Insured Perils
Basis of Claims	Average Loss
Building	Up to S$100,000
HDB
Condo

Building Coverage

One Room	S$19,500
Two Room	S$26,500
Three Room	S$42,000
Four Room	S$69,500
Five Room	S$76,000
Studio Apartment	S$37,500
Executive / 3Gen	S$100,000

Contents

Scope of Risk (contents)	Insured Perils
Household Contents and Renovations	Up to S$150,000

Extended benefits (Contents)

Alternate Accommodation	Up to S$20,000
Expenses related to debris removal, demolishing or propping because of a covered loss	Yes
Exclusion of damages caused by the bursting or overflowing of flexible water hoses	Yes
Professional Fees	Receive up to S$150 worth of emergency services, up to thrice a year for complimentary HomeCare Services.
Get 24/7 access to reliable locksmith, electrical assistance, plumbing, pest control and air-conditioner repair services with AIG Home Insurance.
Accidental breakage of mirrors and fixed glass	Up to S$1,000 per policy period
Loss or damage to frozen food	Up to S$250 per occurrence
Expenses related to water leakage tracing	Up to S$500 per policy period

Personal Liability

Worldwide Personal Liability	Up to S$20,000
Personal Liability within Singapore	Up to S$400,000

Bill Relief Protector

Covers utilities bills in unforeseen events including retrenchment	Up to S$1,200

Personal Accident

Personal Accident	Up to S$20,000

Optional Benefits

Riders
Landlord Liability	S$8.18 including GST (Up to S$400,000, available only for landlords)
Tenant Liability	S$54.50 including GST (Up to S$100,000, available only for tenants)

Plan Materials

Brochure URL	Read More
Policy Wording	Read More