Home insurance

Does HDB fire insurance cover renovations?

As of 28 Oct 2026 (Singapore time)

No. HDB fire insurance covers only the flat's structure and the fittings HDB put in. Renovations you paid for, such as flooring, built-in cabinets and false ceilings, need home insurance. 19 of the 20 insurers we compare cover renovations for owners, with limits shown below.

The figures

Insurers compared: 20, with 98 plans between them.
Insurers with at least one plan that covers it: 19.
Insurers whose documents do not say: 1.
Cheapest plan that covers it, for HDB flat, owner, S$60,000 contents: Sompo HomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000), S$67.85.
Median price among the insurers that cover it, for the same example: S$141.59.
HDB fire insurance covers the flat's structure and the fittings HDB installed. It does not cover your renovations or belongings.
HDB flat owners with an HDB housing loan must keep HDB fire insurance in force.

What each insurer says

Each insurer's most favourable plan on this question, quoted from its policy documents. Prices are for HDB flat, owner, S$60,000 contents.
Insurer	Covered?	What the policy says	From
SompoYesfrom S$67.85	Yes	HomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000)12 of its 12 plansRenovations: S$40,000 (the minimum for this property; priced in); building S$100,000 (compulsory for HDB owners; priced in); HDB prices are for a 4-room flat: at S$60,000 contents a studio to 3-room costs S$1.63 less, a 5-room S$1.64 more, an executive, HUDC or multi-generation flat S$5.73 more and a jumbo flat S$15.54 more	S$67.85
IncomeYesfrom S$71.22	Yes	Enhanced Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat; contents and S$60,000 renovations)7 of its 7 plansRenovations: S$60,000	S$71.22
AIGYesfrom S$75.76	Yes	Homes Essential (HDB and condominium only)4 of its 4 plansRenovations: Included in the S$150,000 combined contents and renovations limit; complimentary building cover up to S$100,000	S$75.76
EtiqaYesfrom S$79.91	Yes	Tiq Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat)4 of its 7 plansRenovation: S$80,000 (Tiq’s first option for a 4-room flat, in the price shown; ticking “insured under HDB Fire Insurance” keeps it, and it cannot then be unticked)	S$79.91
FWDYesfrom S$98.78	Yes	FWD Home Insurance, HDB flat (renovations S$20,000 and the S$82,000 building included; 3/4-room pricing)4 of its 7 plansRenovations: S$20,000 (the funnel’s default; more can be chosen on FWD’s site, up to S$100,000)	S$98.78
QBEYesfrom S$109.00	Yes	Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000)Renovations: S$100,000 for the building including fixtures, fittings and renovations (owner, tenant or landlord), with options to increase through a QBE agent or broker	S$109.00
ERGOYesfrom S$141.59	Yes	ERGO HomeSecure Smart or Enhanced (plan by property type and contents sum)3 of its 9 plansRenovations: S$60,000 (Smart) or S$70,000 (Enhanced); building S$90,000 / S$140,000; 25% average relief	S$141.59
MSIGYesfrom S$143.88	Yes	Enhanced HomePlus Superior3 of its 11 plansRenovations: S$115,000	S$143.88
HL AssuranceYesfrom S$145.38	Yes	Home Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums)4 of its 4 plansRenovations: Included in the S$100,000 Section 1 limit together with contents, fixtures and fittings; interior decoration or refurbishment work in progress covered up to S$30,000 for up to 60 days	S$145.38
AllianzYesfrom S$153.69	Yes	Home Protect Gold (S$60,000 contents, S$90,000 renovations)3 of its 3 plansRenovations: S$90,000 a year (walls, windows, ceilings, floors, doors and household improvements, including those by the developer; professional fees share this limit); the building itself only with the optional extra renovations and building cover	S$153.69
LibertyYesfrom S$222.36	Yes	Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)5 of its 5 plansRenovations: Part of building cover (building including renovations and improvements, fire and extraneous perils): S$200,000 (more at 0.0545% a year, up to S$3,500,000)	S$222.36
ChubbYesfrom S$226.76	Yes	DBS myHome Protect II Premium (underwritten by Chubb)3 of its 3 plansRenovations: Up to S$150,000 (fixtures and fittings such as flooring, built-in wardrobes and air-conditioners, by you or a former owner; not the building structure)	S$226.76
SinglifeYesfrom S$243.89	Yes	Home Plus (S$100,000 contents)3 of its 3 plansRenovations: S$100,000 renovations; emergency cash allowance S$1,000; medical expenses S$3,000; household removal S$10,000; covers renovations you legally own (a tenant's own fit-out counts; the landlord's renovations come under tenant's liability, not this section)	S$243.89
India InternationalYesfrom S$258.88	Yes	i-Home (your contents sum, plus fixtures and renovations S$50,000)Renovations: Fixtures, fittings and renovation S$50,000, all risks (the buy page takes S$30,000 to S$250,000; the minimum charge covers up to S$50,000, S$1.15 per S$1,000 above that); building cover can be added at S$0.50 per S$1,000 up to S$500,000	S$258.88
Great AmericanYesfrom S$272.50	Yes	Great Home Insurance Elite (S$60,000 contents)4 of its 4 plansRenovations: Fixtures, fittings and renovations S$200,000 (tick a box to include the building itself in this sum)	S$272.50
UOIYes, with limitsfrom S$92.76	Yes, with limits	UniHome Insurance, HDB flat (your contents sum, renovations S$50,000, no building cover)3 of its 6 plansRenovations and fixtures: S$50,000 on a first loss basis (the app's own default for this property; any sum from S$50,000 can be chosen there)Excluded: Building insured below full reinstatement value: average applies (contents and renovations are first loss)	S$92.76
ECICSYes, with limitsfrom S$118.81	Yes, with limits	Home Contents Insurance for owners (1-year; S$30,000 renovations; 4-room or larger unit)1 of its 2 plansRenovations: S$30,000 renovations sum insured (the online quote's minimum; raise it at checkout, up to S$200,000); plus debris removal and professional fees, each 10% of the renovation sumExcluded: Loss while the home is undergoing renovation, construction or repair	S$118.81
Great EasternYes, with limitsfrom S$123.17	Yes, with limits	Value3 of its 4 plansRenovations: S$70,000 building and renovations for an HDB 4-room flat, S$60,000 for a condo or landed home (the store's proposed sum), first loss basis; HDB prices are for a 4-room flat: a 1-3 room flat costs S$3.27 less and a 5-room, executive, multi-generation or jumbo flat S$3.27 moreExcluded: Communicable disease; cyber loss; sanctions; S$100 excess on every building, renovation and contents claim except fire or lightningExcluded: Priced at the building, renovation and liability sums the store proposes for your home type (an HDB 4-room flat for HDB); the store lets you raise them for more premium	S$123.17
EQ InsuranceYes, with limitsfrom S$163.50	Yes, with limits	EQ HomeGUARD PLUS Superior3 of its 3 plansRenovations: S$100,000Excluded: Theft while the home is awaiting or undergoing renovation or repair	S$163.50
LonpacNot statedfrom S$228.90	Not stated	Home Protection, contents cover (owner occupied; free S$1m family liability and family PA)2 of its 2 plansRenovations: Not stated as a separate section; the building itself (including fixtures) can be added at 0.05% of the sum you choose, S$50 a year per S$100,000, not priced in here; S$100 excess	S$228.90

All prices include 9% GST. A dash means the plan has no price for this example. Each insurer's policy wording is the final word on what is covered.

See every insurer's price for your own answers, with each plan's cover side by side.