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Does home insurance cover fire?
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/covers/does-home-insurance-cover-fire
Home insurance promotions today: HL Assurance, 6 months free; Etiqa, 25% off; Sompo, 25% off. Prices shown include discounts from featured insurers; other insurers are shown at full price with no discount.
Yes. 18 of the 20 insurers we compare name fire as an insured event for your contents and renovations; 2 do not list the insured events in the terms we hold. HDB fire insurance covers only the flat's structure and HDB's fittings, so your belongings and renovations need home insurance. Insure them for what they would cost to replace.
The figures
- Insurers compared: 20, with 105 plans between them.
- Insurers with at least one plan that covers it: 18.
- Insurers whose documents do not say: 2.
- 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$120.99.
- HDB fire insurance covers the flat's structure, not your belongings or renovations.
What each insurer says
| 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 plansFire, flood and burglary: Covered (insured events): fire, lightning, explosion, flood, windstorm, earthquake, burst pipes, impact, riot, malicious acts and theft by forcible entry (no theft, malicious acts or burst pipes while the home has been empty 30 days or more) | S$67.85Buy Now |
| 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)14 of its 14 plansFire, flood and burglary: Insured events only, no accidental damage cover: fire, lightning, explosion, impact, burglary with forced entry, burst pipes or tanks, storm, earthquake, flood, riot, strike and malicious actsBuilding: Not included - HDB fire insurance (compulsory with an HDB loan) covers the flat's structure against fire only | S$71.22Buy Now |
| AIGYesfrom S$75.76 | Yes | Homes Essential (HDB and condominium only)4 of its 4 plansFire, flood and burglary: Covered (insured perils): fire, explosion of appliances, smoke, earthquake, flood, burst pipes, impact, aircraft, riot and malicious acts, spontaneous combustion, theft by forcible entry — no general excess; S$200 excess on burst pipes, S$100 on theft (contents and renovations) and on jewellery and fursBuilding: Complimentary top-up over the HDB or MCST fire insurance (claim there first), against the insured perils: up to S$100,000 by HDB flat type (1-room S$19,500, 2-room S$26,500, 3-room S$42,000, 4-room S$69,500, 5-room S$76,000, executive or multi-generation S$100,000, studio S$37,500) | S$75.76Buy Now |
| EtiqaYesfrom S$79.91 | Yes | Tiq Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat)7 of its 7 plansFire, flood and burglary: Fire and lightning, explosion, aircraft, vehicle impact, falling trees, burst pipes, theft with forcible entry, windstorm and earthquake (and the flood they bring; other flooding is not listed), landslip caused by flood (first S$10,000 or 10% of the claim, whichever is higher), riot, malicious damage, smoke, and accidental damage to electrical appliances carrying the Safety MarkBuilding: Not included - HDB fire insurance (compulsory with an HDB loan) covers the flat’s structure against fire onlyWho and where: Priced as a 4-room flat, owner living in, with Tiq’s “I am currently insured under HDB Fire Insurance” ticked (it drops Tiq’s S$117,000 building cover, for about S$2 a year less before the promo code), with S$80,000 renovation kept and the contents option at or above your sum; 3- and 5-year terms cost less per year in Tiq’s buy flow | S$79.91Buy Now |
| UOIYesfrom S$82.95 | Yes | UniHome Insurance, HDB flat (contents only, no renovation cover, no building cover)6 of its 6 plansFire, flood and burglary: Covered (insured perils): fire, lightning, explosion, impact by aircraft or by vehicles or animals not yours, burst water tanks or pipes, windstorm, flood, earthquake, riot, strike, malicious acts by others and theft with forcible entry | S$82.95Buy Now |
| ERGOYesfrom S$88.94 | Yes | ERGO HomeSecure Custom (contents only, no building or renovation cover)9 of its 9 plansFire, flood and burglary: Covered (12 insured perils): fire and lightning, explosion, aircraft, burst pipes, theft with forcible entry, impact, earthquake, flood and windstorm, landslip and subsidence, riot, malicious damage, smoke — S$100 excess on each loss; on contents, S$5,000 or 10% of the loss (whichever is higher) for landslip and subsidence | S$88.94Buy Now |
| 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)7 of its 7 plansFire, flood and burglary: Covered (insured events only): fire, lightning, explosion, smoke, impact, theft with forcible entry, burst pipes or tanks, flood, storm, earthquake, riot, strike and malicious acts; no accidental damage cover except fixed mirrors and glass (S$1,000) | S$98.78Buy Now |
| MSIGYesfrom S$99.84 | Yes | HomeEasy Gold (owner or landlord)7 of its 11 plansFire, flood and burglary: Covered (insured events): fire, lightning, explosion, windstorm and flood, burst pipes, earthquake, impact, riot, malicious acts, theft with forcible entry — no general excess; S$100 excess on windstorm, flood and water damage (burst or leaking pipes) | S$99.84Buy Now |
| ECICSYesfrom S$118.81 | Yes | Home Contents Insurance for owners (1-year; S$30,000 renovations; 4-room or larger unit)2 of its 2 plansFire, flood and burglary: Covered: fire, lightning or explosion; storm and flood (S$100 excess each loss); burst or leaking pipes and tanks (S$100 excess each loss); earthquake; impact by vehicles, aircraft or falling trees; riot; malicious damage; burglary with forcible entry. A fire from charging an e-scooter or other active mobility device has a S$5,000 excess | S$118.81Buy Now |
| Great EasternYesfrom S$123.17 | Yes | Value4 of its 4 plansFire, flood and burglary: Insured events only: fire, lightning, explosion, storm, flood, burst pipes, burglary, riot, malicious damage, earthquake, aircraft, smoke, falling trees and impact; no accidental damage cover; fixed glass and mirrors up to S$1,000 (S$100 excess, none for fire or lightning) | S$123.17Buy Now |
| HL AssuranceYesfrom S$145.38 | Yes | Home Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums)4 of its 4 plansFire, flood and burglary: Covered: any accidental loss or damage to contents in the home (all-risks), including fire, windstorm and flood, burst pipes, earthquake, riot, malicious acts and theft; S$350 excess each claim; not theft or malicious acts by your family, helper or employees | S$145.38Buy Now |
| AllianzYesfrom S$153.69 | Yes | Home Protect Gold (S$60,000 contents, S$90,000 renovations)3 of its 3 plansFire, flood and burglary: Covered perils: fire, lightning and explosion; burst water tanks and pipes; theft with forcible entry; hurricane, typhoon, windstorm and flood; earthquake and volcanic eruption; riot, strike and malicious damage; impact by road vehicle; aircraft; sprinkler leakage; landslip and subsidence; smoke; spontaneous combustion; storm rain only through roof or walls broken by the storm; accidental damage only with the optional All Risks cover | S$153.69Buy Now |
| EQ InsuranceYesfrom S$163.50 | Yes | EQ HomeGUARD PLUS Superior3 of its 3 plansFire, flood and burglary: Covered: fire, lightning, flood, windstorm, earthquake, burst pipes, sprinkler leakage, smoke, explosion, impact, riot and malicious damage, and theft by forcible and violent entry — S$100 excess on each claim (none on fire and lightning); S$200 on burst pipes, S$500 on flood and windstorm | S$163.50Buy Now |
| LibertyYesfrom S$222.36 | Yes | Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)5 of its 5 plansFire, flood and burglary: Contents: all risks of sudden accidental loss or damage at home, including fire, flood and burglary. Building and renovations: fire, lightning, explosion, earthquake, burst pipes, flood and windstorm, burglary, malicious damage, riot, impact, accidental breakage of fixed glass, and landslip or subsidence caused by flood. Excess each loss: S$500 for flood and windstorm (S$2,500 for flood at road or basement level), S$200 for burst pipes, S$10,000 or 10% for landslip and subsidence (building only), and S$100 on contents for any other cause except fire, lightning and theft with forcible entry | S$222.36Buy Now |
| ChubbYesfrom S$226.76 | Yes | DBS myHome Protect II Premium (underwritten by Chubb)3 of its 3 plansFire, flood and burglary: Covered (insured events): fire, lightning or explosion; storm, typhoon and flood (S$100 excess); bursting, leaking or overflowing water tanks or pipes (S$100 excess); earthquake; impact; riot or civil commotion; malicious damage or vandalism; theft or burglary by forcible entry | S$226.76Buy Now |
| SinglifeYesfrom S$243.89 | Yes | Home Plus (S$100,000 contents)3 of its 3 plansFire, flood and burglary: Covered: fire, smoke, lightning and explosion; earthquake, storm and flood; burst or overflowing water tanks and pipes; theft with violent or forcible entry; riot and strike; malicious damage; impact by vehicles, aircraft or falling trees; forced entry by emergency services. No general excess; S$200 excess each loss for earthquake, storm, flood and burst pipes | S$243.89Buy Now |
| India InternationalYesfrom S$258.88 | Yes | i-Home (your contents sum, plus fixtures and renovations S$50,000)Fire, flood and burglary: Covered: fire, lightning, explosion, aircraft and falling objects, impact, bursting or overflowing pipes, theft, windstorm, earthquake and flood (as the product page names them); fixtures, fittings and renovation all risks | S$258.88Buy Now |
| Great AmericanYesfrom S$272.50 | Yes | Great Home Insurance Elite (S$60,000 contents)4 of its 4 plansFire, flood and burglary: Building and contents cover, plus sudden accidental loss or damage to contents, replacing accidentally lost or damaged legal documents, spoiled frozen food and an emergency cash allowance (the brochure gives no figures for these extras) | S$272.50Buy Now |
| QBENot statedfrom S$109.00 | Not stated | Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000)Fire, flood and burglary: Not stated (the brochure prints no list of insured perils; it refers to loss or damage, physical damage such as fire, break-in and fire-extinguishing expenses, and to the policy wording, which is not published) | S$109.00Buy Now |
| 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 plansFire, flood and burglary: Not stated (the product page lists building fees and costs, debris removal, cover during alterations and repairs and replacement of locks; no policy wording is published to confirm the insured perils) | S$228.90Buy Now |
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.
Compare home insuranceBuy Now addresses
Each listed insurer's best-value plan for HDB flat, owner, S$60,000 contents, lowest premium first.
- Sompo, HomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000): https://www.sompo.com.sg/products/home/quotation/GetQuote?p=STI33804
- AIG, Homes Essential (HDB and condominium only): https://www.aig.sg/home/solutions/personal/home-insurance/homes-essential?pc=030303
- Etiqa, Tiq Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat): https://www.tiq.com.sg/buy-online/home-insurance/quotation/?referral=A501895
- Income, Enhanced Home Insurance, HDB flat (building and S$60,000 renovations included): https://shentonbrokers.com/go/buy/home/income/hdb-owner?occupancy=owner&propertyType=hdb&contentsSum=60000
- MSIG, HomeEasy Gold (owner or landlord): https://shentonbrokers.com/go/msig/home-homeeasy
- QBE, Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000): https://sg-customer.qbe.com/home/partner/01001305
- ERGO, ERGO HomeSecure Smart or Enhanced (plan by property type and contents sum): https://shentonbrokers.com/go/buy/home/ergo/homesecure?occupancy=owner&propertyType=hdb&contentsSum=60000
- HL Assurance, Home Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums): https://app.hlas.com.sg/redirect?source=agent&sac=SI000001&mwc=SIB&referrer=a/a/vivien
- Liberty, Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum): https://shentonbrokers.com/go/buy/home/liberty/top-up?occupancy=owner&propertyType=hdb&contentsSum=60000
- Great American, Great Home Insurance Elite (S$60,000 contents): https://shentonbrokers.com/go/buy/home/great-american/elite?occupancy=owner&propertyType=hdb&contentsSum=60000
Questions people ask
Does home insurance cover fire?
Yes. 18 of the 20 insurers we compare name fire as an insured event for your contents and renovations; 2 do not list the insured events in the terms we hold. HDB fire insurance covers only the flat's structure and HDB's fittings, so your belongings and renovations need home insurance. Insure them for what they would cost to replace.
Where do these answers come from?
From each insurer's own policy documents: the benefit table and exclusions of every live plan we compare, 105 plans from 20 insurers. The policy wording is the final word on what is covered.
Which plan is cheapest?
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) is the cheapest plan that covers it, at S$67.85 today, GST included. The median of each insurer's lowest price is S$120.99.