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Does home insurance cover water damage?
As of 28 Oct 2026 (Singapore time)
Yes, when it is sudden. 16 of the 20 insurers we compare cover damage from burst or overflowing pipes and tanks, often with a separate excess of S$100 to S$500. Gradual leaks, seepage and damp are commonly excluded, as is damage while the home is empty for a long time.
The figures
- Insurers compared: 20, with 98 plans between them.
- Insurers with at least one plan that covers it: 16.
- Insurers whose documents do not say: 4.
- 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.
What each insurer says
| Insurer | Covered? | What the policy says | From |
|---|---|---|---|
| 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 plansWhat’s covered: Insured perils: fire, explosion, burst pipes, theft with forcible entry, windstorm and more, on contents and (for owners) renovations | S$79.91 |
| 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 |
| 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 | Value1 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 |
| 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 |
| 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)6 of its 12 plansFire, flood and burglary: Covered (insured events): fire, lightning, flood, windstorm, burst pipes, riot, malicious acts and theft by forcible entryExcluded: Theft, malicious acts or burst-pipe damage while the home is unoccupied (no one has lived in it for 30 days or more) | S$67.85 |
| AIGYes, with limitsfrom S$75.76 | Yes, with limits | 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 fursExcluded: Burst-pipe damage if the home was left unoccupied for more than 30 consecutive days | S$75.76 |
| ERGOYes, with limitsfrom S$88.94 | Yes, with limits | 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 subsidenceExcluded: Burst-pipe damage while the home is left untenanted for 30 days | S$88.94 |
| AllianzYes, with limitsfrom S$153.69 | Yes, with limits | 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 coverExcluded: Excess S$100 on most claims; S$200 or 5% of the loss on water damage; S$250 on household removal; S$10,000 or 10% of the loss on landslip or subsidence | S$153.69 |
| ChubbYes, with limitsfrom S$226.76 | Yes, with limits | 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 entryExcluded: Water seeping through a wall, floor or roof; settlement, shrinkage or vibration of the building; faulty workmanship, design or inherent defects | S$226.76 |
| 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 |
| QBENot statedfrom S$109.00 | Not stated | Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000)The plan's documents do not mention it. | 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 plansThe plan's documents do not mention it. | 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 water damage?
Yes, when it is sudden. 16 of the 20 insurers we compare cover damage from burst or overflowing pipes and tanks, often with a separate excess of S$100 to S$500. Gradual leaks, seepage and damp are commonly excluded, as is damage while the home is empty for a long time.
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$120.99.