Tell us about your home. A verified insurance professional who covers your area will get in touch to explain contents, renovation and building cover, how much to insure for and what to compare, before you commit.
A verified professional will get in touch.
Each type has its own limits and exclusions. Ask what is and isn't included.
Your belongings inside the home, from furniture and electronics to clothing.
The built-in work you paid for, such as cabinets and flooring, often a separate sum insured.
The structure of the home, mainly relevant for landed property.
Your legal responsibility if someone is hurt or their property is damaged because of you.
Whether and how leaks and burst pipes are covered, including from a neighbour.
Costs of living elsewhere if a claim means you can't stay at home.
What it would cost to replace your contents and renovation.
HDB flat, condominium or landed, and its size and age.
How much you spent, and what is built in.
Locks, grilles and alarms that the insurer may require.
Their total value, and any single high-value items.
The excess you accept, and extras such as personal liability.
Ask for the representative's details and check them on the MAS register.
And how the amount is worked out.
Including leaks, theft and fire.
Single-item limits, and security requirements.
The excess for each type of claim.
Any fee, and how the unused premium is refunded.
We connect you with one verified provider who understands what you need. No hard sell, and no obligation.
Insuring for too little can leave you short when you claim. You hear how the amount is worked out for your contents and your renovation.
Water damage from a leak, theft and fire are often treated differently. You hear what to ask about for your flat and your building.
You get the options explained. Whether to buy, and from whom, is always your decision.
Contents insurance covers what you own inside your home, such as furniture, electronics and clothes, and often the fittings and renovation you've paid for. Building cover covers the structure, and mostly matters if you own a landed house. For most flats, the structure is covered through the HDB or the management corporation, and you insure what's inside.
If you have an HDB loan, you must have fire insurance, which HDB arranges, and CPF members using their CPF for an HDB home are usually covered by the Home Protection Scheme, which is a different thing: it pays off your loan if you die or become permanently disabled. Contents cover isn't compulsory, but you would pay for any loss yourself without it. Banks may require building cover for private property loans.
Often it doesn't, unless you insure it. Many policies cover your contents and a separate sum for fittings and renovation. Ask whether renovation is included, how the amount is set, and whether it pays for the full cost of redoing it.
For contents, add up what it would cost to replace everything. For renovation, use what it cost you, adjusted for current prices. If you insure for too little, the insurer may pay out only part of a claim.
Many claims in Singapore involve water leaking from a neighbour's unit or from your own pipes. Policies differ on what they cover and what they exclude, such as gradual leaks or wear and tear. Ask what's covered, whether you must report quickly and who pays for the repair.
Policies usually cover fire and theft, with conditions such as proof of forced entry for theft. Valuables, jewellery and cash often have limits. Ask which are covered and for how much, and whether you need to list high-value items.
It covers your legal responsibility if you accidentally injure someone or damage their property, for example if water from your flat damages the one below. Check the limit, and ask whether it applies to everyone in your household.
You can insure your own belongings and your liability as a tenant, and your landlord insures the structure and their own furnishings. Ask whether the policy covers items you've added, and what your tenancy agreement requires.
Wear and tear, gradual damage, damage from poor maintenance and in some policies a home left empty for a long period. Read the exclusions and the conditions you must meet.
Cancellation terms differ by policy, and you may get back only part of the premium. Ask what cancelling would cost before you buy, and read your policy.
Complain to the insurer first. If you're not happy with the answer, you can take it to the Financial Industry Disputes Resolution Centre, which helps resolve disputes between consumers and financial institutions at low cost.
The type of home, its size and age, whether you own or rent, whether it was renovated and for how much, and your postal code. If you don't have everything, send the request anyway.
No. Namoye is a free matching service. It doesn't sell insurance or give advice. Any quote or advice comes from the firm that contacts you.
No to both. A verified professional contacts you, and Namoye is free for you.
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Namoye is a free matching service. It is not an insurer, broker or adviser, and it doesn't give insurance advice. Any quote or advice comes from the firm that contacts you. Check that a firm or representative is licensed or registered with the Monetary Authority of Singapore (MAS) before you share personal or payment details.
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