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Does home insurance cover flood damage?
As of 28 Oct 2026 (Singapore time)
Yes, usually. 15 of the 20 insurers we compare name flood as an insured event for your contents and renovations; 5 do not name it in the benefits we hold. Water that seeps in slowly and damage from poor upkeep are treated differently. HDB fire insurance does not cover your belongings at all.
The figures
- Insurers compared: 20, with 98 plans between them.
- Insurers with at least one plan that covers it: 15.
- Insurers whose documents do not say: 5.
- 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$123.17.
- HDB fire insurance covers the flat's structure, not your belongings or renovations.
What each insurer says
| Insurer | Covered? | What the policy says | From |
|---|---|---|---|
| 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, riot and malicious acts, theft by forcible entry — no general excess; S$200 excess on burst pipes, S$100 on theft (contents and renovations) and on jewellery and furs | S$75.76 |
| 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, burst pipes, windstorm, flood, earthquake, riot, malicious acts and theft with forcible entry | S$82.95 |
| 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, explosion, burst pipes, theft with forcible entry, impact, earthquake, flood and windstorm, landslip and subsidence, riot, malicious damage, smoke — S$100 excess on each loss; S$5,000 or 10% of the loss (whichever is higher) on landslip and subsidence | S$88.94 |
| 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): fire, lightning, explosion, smoke, impact, theft with forcible entry, burst pipes, flood | S$98.78 |
| 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); plus emergency home assist and personal cyber cover (theft of funds and online shopping, S$2,500 in all) | S$99.84 |
| 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, storm, flood, burst pipes, impact by vehicles or aircraft, riot, malicious damage and burglary | S$118.81 |
| 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, falling trees and impact (S$100 excess, none for fire or lightning) | S$123.17 |
| 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: accidental loss or damage to contents in the home (all-risks wording, Section 1), including fire, windstorm and flood, burst pipes, earthquake, riot, malicious acts and theft; S$350 excess on each accidental loss or damage claim; also loss of money S$1,000, locks and keys S$1,000, frozen food S$1,000, fixed glass and mirrors S$2,000, removal of debris S$10,000, fire-extinguishing expenses S$5,000 | S$145.38 |
| 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; riot, strike and malicious damage; impact by road vehicle; aircraft; sprinkler leakage; landslip and subsidence; smoke; accidental damage only with the optional All Risks cover | S$153.69 |
| EQ InsuranceYesfrom S$163.50 | Yes | EQ HomeGUARD PLUS Superior3 of its 3 plansFire, flood and burglary: Covered: fire, lightning, flood, burst pipes, smoke, 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$163.50 |
| 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: Covered: fire, lightning, explosion, burst pipes, flood and windstorm, burglary, malicious damage, riot, impact; contents all risks — no general excess; S$500 excess on flood and windstorm (S$2,500 for flood at road or basement level); S$200 on burst pipes and S$10,000 or 10% on landslip and subsidence (building and renovations section) | S$222.36 |
| 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$226.76 |
| SinglifeYesfrom S$243.89 | Yes | Home Plus (S$100,000 contents)3 of its 3 plansFire, flood and burglary: Covered: fire, flood, theft, burst pipes, earthquake and lightning, explosion, riot and strike, vehicle impact; no general excess, S$200 excess on earthquake, storm, flood and burst pipes; Home Care Pack S$1,000 for burst-pipe repair and tracing water leaks (S$300 excess), water bill S$500, fixed glass and mirrors S$1,000, personal money and cards S$1,000, conservancy charges S$1,000 a month and utilities S$1,000 a month for up to 3 months, visitor's belongings S$500, domestic assistance S$500, home cleaning after infectious disease S$500, personal papers S$500, accidental death of a pet S$500, psychiatric services S$1,000 | S$243.89 |
| India InternationalYesfrom S$258.88 | Yes | i-Home (your contents sum, plus fixtures and renovations S$50,000)Fire, flood and burglary: All risks cover for contents and renovations; the product page names fire, lightning, explosion, impact, bursting or overflowing pipes, theft, windstorm, earthquake and flood | S$258.88 |
| SompoYes, with limitsfrom S$67.85 | Yes, with limits | 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, flood, windstorm, burst pipes, riot, malicious acts and theft by forcible entryExcluded: Subsidence or landslip unless caused by flood; terrorism; war | S$67.85 |
| IncomeNot statedfrom S$71.22 | Not stated | 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 plansThe plan's documents do not mention it. | S$71.22 |
| EtiqaNot statedfrom S$79.91 | Not stated | Tiq Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat)7 of its 7 plansThe plan's documents do not mention it. | S$79.91 |
| 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$109.00 |
| 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$228.90 |
| Great AmericanNot statedfrom S$272.50 | Not stated | Great Home Insurance Elite (S$60,000 contents)4 of its 4 plansThe plan's documents do not mention it. | S$272.50 |
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 insuranceQuestions people ask
Does home insurance cover flood damage?
Yes, usually. 15 of the 20 insurers we compare name flood as an insured event for your contents and renovations; 5 do not name it in the benefits we hold. Water that seeps in slowly and damage from poor upkeep are treated differently. HDB fire insurance does not cover your belongings at all.
Where do these answers come from?
From each insurer's own policy documents: the benefit table and exclusions of every live plan we compare, 98 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$123.17.