← What insurance covers
Home insurance
Does home insurance cover jewellery and valuables?
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/covers/does-home-insurance-cover-jewellery-and-valuables
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, up to set limits. 16 of the 20 insurers we compare cover valuables such as jewellery within the contents sum, capped for each item, from about S$500 to S$6,000, and as a share of the total; 1 sells it only as an add-on. For a piece worth more, ask the insurer about listing it on the policy.
The figures
- Insurers compared: 20, with 105 plans between them.
- Insurers with at least one plan that covers it: 16.
- Insurers that sell it as an optional add-on: 1.
- Insurers whose documents do not say: 3.
- 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$133.53.
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 plansContents: Your chosen contents sum (S$15,000, S$30,000, S$60,000 or S$100,000); valuables up to 5% of the sum or S$2,500 an item, 30% of the sum in all; personal effects S$500 an item (10% of the sum or S$5,000 in all); phones and tablets S$500 an item, S$1,500 a year; computers S$1,500 an item, S$3,000 a year; bicycles S$500; cash S$1,000; documents S$500; any other item up to 10% of the sum | 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 plansContents: The sum you choose: S$15,000, S$30,000, S$60,000 or S$100,000 (paid in proportion if under-insured, unless the sum is at least 80% of the full replacement cost; valuables 5% of the sum per item and a third of it in total; laptops and computers S$1,500 each, S$5,000 in total; mobile phones S$500 each, S$1,500 in total; bicycles S$1,000, money S$1,000 and legal documents S$500 in total) | S$71.22Buy Now |
| AIGYesfrom S$75.76 | Yes | Homes Essential (HDB and condominium only)4 of its 4 plansContents: Contents and renovations share one S$150,000 limit a year (theft by forcible entry up to 25%, S$37,500; jewellery and furs S$1,000 an article, 30% of the limit in all; art, antiques and collectibles S$200 an article, 5% in all; your domestic worker's belongings S$3,000; cash not covered); new for old or indemnity, with a deduction for wear and tear at AIG's discretionFire, 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 furs | 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 plansContents: The contents option Tiq offers at or above your sum, in the price shown: S$45,000 when you ask for S$15,000 or S$30,000; S$60,000; S$105,000 when you ask for S$100,000 (a 4-room flat’s options are S$45,000 to S$105,000); valuables 30% of the contents sum in all, S$1,000 an item (art, antiques and crystal S$200 an item), S$100 excess each loss; no average relief: an under-insured sum cuts claims in proportion | 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 plansContents: Your chosen sum insured (S$30,000, S$60,000 or S$100,000; asked for S$15,000, you get S$20,000, UOI's online minimum for an HDB flat, at its price), on a first loss basis; S$1,000 an article, valuables included; money, cards and documents are not contents (see Also covered); S$100 excess each claim | S$82.95Buy Now |
| ERGOYesfrom S$88.94 | Yes | ERGO HomeSecure Custom (contents only, no building or renovation cover)9 of its 9 plansContents: Your chosen sum (S$30,000, S$60,000 or S$100,000; ERGO's Custom plan takes S$30,000 to S$200,000, so a S$15,000 ask is covered and priced at S$30,000), first loss; valuables 5% of the contents sum an item; S$100 excess each loss; any other item 15% of the contents sum, up to S$5,000; phones, cameras, musical instruments and bicycles or PMDs S$500 each (S$2,000 a kind), computers S$1,000 each (S$5,000 in all), cash S$800 (the wording's loss-of-money cover says S$1,000, in a locked drawer or safe after a break-in) | S$88.94Buy 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 plansContents: Your chosen sum insured, S$40,000 to S$200,000 (a S$15,000 or S$30,000 ask is covered and priced at the S$40,000 minimum), on a first loss basis, replaced as new after a total loss except clothing, curtains and bedding (valuables S$2,000 an article, up to 35% of the contents sum; money S$1,000) | S$118.81Buy Now |
| Great EasternYesfrom S$123.17 | Yes | Value4 of its 4 plansContents: The sum you asked for, S$30,000 at least (a smaller ask is covered and priced at S$30,000) and up to S$250,000 (first loss basis; valuables up to 35% of the sum, S$2,000 per item; laptops and computers S$2,000 and mobile phones S$1,000 in total; no wines or collectibles) | S$123.17Buy Now |
| MSIGYesfrom S$143.88 | Yes | Enhanced HomePlus Superior3 of its 11 plansContents: S$80,000; valuables 30% of the contents sum in all; any one article 5% of the contents sum or S$6,000, whichever is lower (furniture, computers, audio-visual equipment and pianos excepted); contents temporarily removed (up to 14 days, in Singapore) S$500 an item, S$12,000 in all; new for old only if the sums insured are the full value as new | S$143.88Buy Now |
| HL AssuranceYesfrom S$145.38 | Yes | Home Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums)4 of its 4 plansContents: S$100,000 for household contents, renovations, fixtures and fittings combined, first-loss basis, replaced as new; your helper's belongings included; valuables S$2,500 an article and S$5,000 each loss; bicycles, computers, audio/video, instruments and cameras 3% of the limit an article and a third of the limit each claim; mobile phones not covered | S$145.38Buy Now |
| AllianzYesfrom S$153.69 | Yes | Home Protect Gold (S$60,000 contents, S$90,000 renovations)3 of its 3 plansContents: S$60,000 a year on a first-loss, replacement basis (furniture and appliances S$7,500 an item; valuables S$5,000 an item, S$15,000 an event; money S$2,000 a year; any other single article 15% of the contents sum unless declared); household removal by professional movers up to S$60,000 an event (valuables excluded); temporary removal for repair or cleaning S$7,500 an event (the wording says 15% of the contents sum, S$9,000); furniture in a depository for up to 30 days S$20,000 an event | S$153.69Buy Now |
| LibertyYesfrom S$222.36 | Yes | Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)5 of its 5 plansContents: Plan C's S$50,000 topped up to your sum (S$60,000 or S$100,000) at the published top-up rate of 0.2616% a year, all risks, first loss basis; personal effects, clothing and valuables up to S$5,000 in all, S$500 an article | S$222.36Buy Now |
| SinglifeYesfrom S$243.89 | Yes | Home Plus (S$100,000 contents)3 of its 3 plansContents: S$100,000 household contents, first loss basis; valuables S$30,000 in all (S$5,000 an item, pair or set); contents temporarily removed to a home or hotel in Singapore S$5,000 (S$500 an article) | S$243.89Buy Now |
| India InternationalYesfrom S$258.88 | Yes | i-Home (your contents sum, plus fixtures and renovations S$50,000)Contents: Your chosen sum for household contents (S$20,000 to S$100,000 on the buy page, so S$15,000 asked buys S$20,000), against the events the product page names (the gateway marks fixtures, building and personal effects all risks, not contents); declared jewellery and works of art can be added at S$15 per S$1,000 (each item up to S$5,000) | S$258.88Buy Now |
| ChubbYes, with limitsfrom S$226.76 | Yes, with limits | DBS myHome Protect II Premium (underwritten by Chubb)3 of its 3 plansContents: Up to S$100,000 (repair or replacement as new, less wear and tear if the sum is below the full value as new; valuables up to 30% of the contents sum in total and 5% per article, except furniture, computers, audio and video equipment, pianos and organs); one price whatever your contents sum, so the plan at or above your sum is shownExcluded: Valuables above 30% of the contents sum in total, and any one article above 5% of the contents sum (except furniture, computers, audio and video equipment, pianos and organs) | S$226.76Buy Now |
| LonpacYes, with limitsfrom S$228.90 | Yes, with limits | Home Protection, contents cover (owner occupied; free S$1m family liability and family PA)2 of its 2 plansContents: The contents sum you choose, on a first loss basis, at 0.35% a year (S$52.50 for S$15,000 / S$105.00 for S$30,000 / S$210.00 for S$60,000 / S$350.00 for S$100,000 before GST, with a minimum premium of S$100 plus GST, so S$15,000 costs the minimum S$109.00 payable); valuables up to 30% of the contents sum and S$5,000 per article; S$100 excessExcluded: Valuables are limited to 30% of the contents sum insured and S$5,000 per article; personal effects S$5,000 per article | S$228.90Buy Now |
| QBEOptional add-onfrom S$109.00 | Optional add-on | Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000)Excluded: Personal valuables are covered only under the optional Plan A, Plan B or specified items; domestic workers' compensation is an optional add-on; neither is in the price shown | S$109.00Buy Now |
| FWDNot statedfrom S$98.78 | Not stated | FWD Home Insurance, HDB flat (renovations S$20,000 and the S$82,000 building included; 3/4-room pricing)7 of its 7 plansThe plan's documents do not mention it. | S$98.78Buy Now |
| EQ InsuranceNot statedfrom S$163.50 | Not stated | EQ HomeGUARD PLUS Superior3 of its 3 plansThe plan's documents do not mention it. | S$163.50Buy Now |
| 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$272.50Buy 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 jewellery and valuables?
Yes, up to set limits. 16 of the 20 insurers we compare cover valuables such as jewellery within the contents sum, capped for each item, from about S$500 to S$6,000, and as a share of the total; 1 sells it only as an add-on. For a piece worth more, ask the insurer about listing it on the policy.
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$133.53.