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Does home insurance include personal accident cover?
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/covers/does-home-insurance-include-personal-accident-cover
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.
On some plans. 13 of the 20 insurers we compare include personal accident cover for you and your family, usually S$10,000 to S$25,000 an adult for accidental death; 7 do not include it. Some pay only for accidents at home, others worldwide, and many stop at 65 or 70. It does not replace a personal accident policy.
The figures
- Insurers compared: 20, with 105 plans between them.
- Insurers with at least one plan that covers it: 13.
- Insurers whose documents do not say: 7.
- Cheapest plan that covers it, for HDB flat, owner, S$60,000 contents: Income Enhanced Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat; contents and S$60,000 renovations), S$71.22.
- Median price among the insurers that cover it, for the same example: S$143.88.
What each insurer says
| Insurer | Covered? | What the policy says | From |
|---|---|---|---|
| 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 plansPersonal accident: S$50,000 in total: S$20,000 for each adult (21 to 69) and S$10,000 for each child, for death or permanent disability from an accident in your home (within 90 days) | S$71.22Buy Now |
| AIGYesfrom S$75.76 | Yes | Homes Essential (HDB and condominium only)1 of its 4 plansPersonal accident: Worldwide accidental death S$10,000 each for you and your spouse (S$20,000 in all), aged 65 and under | S$75.76Buy Now |
| UOIYesfrom S$82.95 | Yes | UniHome Insurance, HDB flat (contents only, no renovation cover, no building cover)6 of its 6 plansPersonal accident: Accidental death only, worldwide: S$20,000 each adult, S$10,000 each child, S$50,000 a family; you, your spouse and children living with you; not over age 70 | S$82.95Buy Now |
| ERGOYesfrom S$88.94 | Yes | ERGO HomeSecure Custom (contents only, no building or renovation cover)9 of its 9 plansPersonal accident: S$10,000 an adult (65 and under), S$5,000 a child under 18, at most S$30,000 a year for the family: death or total permanent disablement from an accident, worldwide | S$88.94Buy Now |
| QBEYesfrom S$109.00 | Yes | Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000)Personal accident: S$25,000 per adult, S$5,000 per child, capped at S$50,000 in total for all claims | S$109.00Buy Now |
| Great EasternYesfrom S$123.17 | Yes | Value4 of its 4 plansPersonal accident: S$10,000 per person, up to S$50,000 a year: death or permanent disability from an injury in your home (you, your spouse and up to 3 children living with you; ends at age 70) | S$123.17Buy Now |
| MSIGYesfrom S$143.88 | Yes | Enhanced HomePlus Superior3 of its 11 plansPersonal accident: Accidental death worldwide: you and your spouse S$30,000 each, children S$15,000 each, S$75,000 in all; hospital cash S$75 a day up to 90 days (no cover over age 70) | 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 plansPersonal accident: S$35,000 each accident for the family (S$10,000 each adult aged 18 to 65; S$3,000 each child from 6 months to 21, or 23 if studying full time), worldwide; accident medical expenses S$300 each person, S$1,000 a family | S$145.38Buy Now |
| EQ InsuranceYesfrom S$163.50 | Yes | EQ HomeGUARD PLUS Superior3 of its 3 plansPersonal accident: S$10,000 each person (you, your spouse and children aged 1 to 18), up to S$50,000 a year; worldwide, 24 hours; no cover over age 70 | 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 plansPersonal accident: S$10,000 a person, up to S$50,000 a policy, worldwide 24 hours, for accidental death or permanent disablement of you and your family (aged 1 to 70) | S$222.36Buy Now |
| ChubbYesfrom S$226.76 | Yes | DBS myHome Protect II Premium (underwritten by Chubb)3 of its 3 plansPersonal accident: Accidental death anywhere in the world: S$20,000 each for you and your partner, S$5,000 each child (no cover if the person who dies is over 70) | S$226.76Buy Now |
| LonpacYesfrom S$228.90 | Yes | Home Protection, contents cover (owner occupied; free S$1m family liability and family PA)1 of its 2 plansPersonal accident: Free: up to S$25,000 each adult (16 to 65) and S$5,000 each child (3 months to 16): you, your spouse, children and relatives living with you, S$25,000 in aggregate a year | S$228.90Buy Now |
| India InternationalYesfrom S$258.88 | Yes | i-Home (your contents sum, plus fixtures and renovations S$50,000)Personal accident: S$25,000 for accidental death or permanent disablement in the insured home only; S$50 a day in hospital after more than 24 hours following an accident in the home, up to S$200 | S$258.88Buy Now |
| SompoNot statedfrom S$67.85 | Not stated | HomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000)12 of its 12 plansThe plan's documents do not mention it. | S$67.85Buy Now |
| 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$79.91Buy 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 |
| ECICSNot statedfrom S$118.81 | Not stated | Home Contents Insurance for owners (1-year; S$30,000 renovations; 4-room or larger unit)2 of its 2 plansThe plan's documents do not mention it. | S$118.81Buy Now |
| AllianzNot statedfrom S$153.69 | Not stated | Home Protect Gold (S$60,000 contents, S$90,000 renovations)3 of its 3 plansThe plan's documents do not mention it. | S$153.69Buy Now |
| SinglifeNot statedfrom S$243.89 | Not stated | Home Plus (S$100,000 contents)3 of its 3 plansThe plan's documents do not mention it. | S$243.89Buy 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 include personal accident cover?
On some plans. 13 of the 20 insurers we compare include personal accident cover for you and your family, usually S$10,000 to S$25,000 an adult for accidental death; 7 do not include it. Some pay only for accidents at home, others worldwide, and many stop at 65 or 70. It does not replace a personal accident 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, Income Enhanced Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat; contents and S$60,000 renovations) is the cheapest plan that covers it, at S$71.22 today, GST included. The median of each insurer's lowest price is S$143.88.