We share your excitement as a new homeowner, your sense of pride for your well-furnished apartment, and we also share the risk your home may be exposed to.

SmartHome's comprehensive insurance coverage gives the added assurance every homeowner wants. Plus, at no extra cost to you, we extend coverage to your family and even your pet!

Enjoy an All Risks Cover

Many homes are insured only against fire or limited to compensation for certain perils only. But, SmartHome offers covers against accidental damage or loss to the building, fixtures and contents.

Up to S$500,000 benefit for the whole family and more

When you sign up for either the Building or Contents cover, your family will be automatically insured for up to S$500,000 under Worldwide Family Personal Liability. Your pets will be insured up to S$500 each against accidental death or theft.

24-hour Emergency Home Assistance

As an added service to you, we will pay up to S$100 and arrange with an approved contractor for emergency services such as burst water pipes, a blown fuse box or being locked out of your house.

On top of that, your family can opt to be covered under SmartHome's Worldwide Personal Effects and Worldwide Family Personal Accident benefits.

Benefits of SmartHome

SECTION 1 - BUILDINGS
Estimated Annual premium (excl GST): S$6 per S$10,000

We will cover you against accidental loss or damage to the building of your home, and/or fixtures and fittings in it

Extra Benefits automatically included:

1. Loss of rent and alternative accommodation up to 20% of Building sum insured.
2. Property owner's liability up to S$500,000 for any one accident.
3. Accidental damage to underground services.
4. Fire extinguishing expenses up to 10% of Building sum insured or the amount of loss whichever is lower.
5. Removal of debris up to a limit of 10% of Building sum insured.
6. Professional fees which cover architects', surveyors' and consulting engineers' legal fees necessarily incurred in the repair or reinstatement of the property insured up to 10% of Building sum insured.
7. Capital additions which cover alterations, additions and improvements to your home up to 10% of the Building sum insured.
8. Fatal injury benefit which covers death in the home sustained by you and/or your family in your home caused by thieves or by fire up to S$20,000

SECTION 2 - CONTENTS
Estimated Annual premium (excl GST): S$35 per S$10,000

We will cover you against accidental loss of or damage to your contents, valuables and other personal possessions in the home.

Extra Benefits automatically included:

1. Cost of temporary accommodation and loss of rent up to 20% of Contents sum insured.
2. Accidental breakage to fixed mirrors up to S$5,000.
3. Replacement and installation of locks and keys up to S$750.
4. Deterioration of frozen food up to S$750.
5. Loss of money in your home up to S$1,000.
6. Loss of or damage to your household contents during household removal, up to S$5,000.
7. Temporary removal of property insured to anywhere within Singapore, Malaysia or Brunei (provided the total amount recoverable shall not exceed 20% of Contents sum insured) or anywhere in the world (provided the total amount recoverable shall not exceed 5% of Contents sum insured).
8. Automatic inclusions of new property up to 25% of Contents sum insured (subject to additional premium).
9. Costs incurred for the removal of debris up to S$10,000.
10. Tenants' improvements, decorations and betterment.

Special Provisio: Our liability for loss or damage to valuables (including jewellery), musical instruments, photographic equipment and watches shall not exceed:

• 5% of Contents sum insured for any one article and
• one third of Contents sum insured in total.

SECTION 3 - WORLDWIDE PERSONAL EFFECTS
Estimated Annual premium (excl GST): S$120 per S$10,000

We will cover you against any accidental loss of or damage to your personal effects (anywhere in the world), which are not specifically insured under Section 2. The limit payable shall not exceed 50% of the sum insured under Section 2.

Personal effects would mean articles of personal use designed specifically to be worn or carried eg. clothing, jewellery, watches and camera equipment, etc. Items worth S$2,000 or more will have to be specifically listed with receipts or valuations submitted.

SECTION 4 - WORLDWIDE FAMILY PERSONAL ACCIDENT
Estimated Annual premium (excl GST): S$65

We will cover you on a worldwide basis for any bodily injury sustained up to S$50,000 each for you and your spouse, and S$10,000 each for your child aged between 3 and 18 years old - maximum 3 children. This is provided that death or permanent disablement shall occur within 12 months of the accident resulting from such injury.

SECION 5 - WORLDWIDE FAMILY PERSONAL LIABILITY
Estimated Annual premium (excl GST): FREE if Building and/or Contents is insured.

We will cover you for an amount up to S$500,000 against third party claims (anywhere in the world but excluding USA and Canada) for accidental bodily injury or property damage caused by you, your family members or your domestic servants. Cover also includes legal costs and expenses incurred with our consent.

SECTION 6 - PEDIGREE PET DOG(S)
Estimated Annual premium (excl GST): FREE if Building and/or Contents is insured.

We will cover you for an amount of up to S$500 per pet dog against accidental death or theft of your pet dog (maximum 3 pet dogs).

SECTION 7 - 24-HOUR EMERGENCY HOME ASSISTANCE SERVICE
Estimated Annual premium (excl GST): FREE if Building and/or Contents is insured.

In the event of an emergency in your home, eg. urgent repairs to burst water pipes, blown fuse box or you are locked out of your house without spare keys, you may call the Emergency Home Assistance Hotline for assistance. We will arrange and pay up to S$100 for an approved contractor to undertake the emergency repairs for you.

Noteworthy:

• Minimum premium per policy is S$104 (inclusive of GST)
• Policy is subject to the 60 days Premium Warranty Clause
• The information provided in this website is not a contract of insurance.