HDB fire insurance
The fire insurance every HDB flat with an HDB loan must have.
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/hdb-fire
What's covered
- The flat’s structure, fixtures and fittings as HDB built them
- Fire, lightning, explosion, burst pipes, flood, windstorm and vehicle impact
- Removing debris and architects’ fees after a claim
What's not covered
- Your furniture, belongings and renovations: home contents insurance covers those
- Your liability to neighbours, for example for water leaking into the flat below
- Somewhere to stay while the flat is repaired
- Theft
How HDB fire insurance works here
Choose your flat type. We show the premium for the whole 5-year term and the sum insured that goes with it.
HDB appoints one insurer for the scheme, so there is one price for each flat type and nothing to compare between insurers. Since 16 August 2024 the insurer is Etiqa. Use the Buy Now link to buy from Etiqa with your HDB reference number, or your postal code and unit number.
Who must have it
You must hold HDB fire insurance for as long as you have an HDB housing loan, and renew it every five years. If you have a bank loan or no loan, it is optional.
What it covers, and what it leaves out
- Covered: the flat's structure, fixtures and fittings as HDB built them, against fire, explosion, burst pipes, flood and similar damage.
- Not covered: your renovations, furniture and belongings; your liability to neighbours; somewhere to stay while the flat is repaired; theft.
For those you need home insurance. See home insurance prices and what HDB fire insurance leaves out.
What sets your premium
Only the flat type. The premium is one payment for five years and cannot be paid yearly.
See prices
See the HDB fire insurance price pages.
What HDB fire insurance costs today
- 3-room flat1 insurer prices this, at S$3.27 (as at 10 Nov 2026).
- 4-room flat1 insurer prices this, at S$4.59 (as at 10 Nov 2026).
- 5-room flat1 insurer prices this, at S$5.43 (as at 10 Nov 2026).
- Executive flat1 insurer prices this, at S$6.68 (as at 10 Nov 2026).
- 2-room flat1 insurer prices this, at S$1.99 (as at 10 Nov 2026).
Worked out today from each insurer’s current rates; a price from an insurer’s published table gives the date we read it (“as at”). Open an example to see what we assumed and every plan. Your own price depends on your answers.
Questions people ask
Do I have to buy it?
Yes, if you have an HDB housing loan: you must hold HDB fire insurance for as long as the loan runs, renewed every five years. With a bank loan or no loan it is optional, though a bank will ask for its own fire insurance.
Why is it so cheap?
It covers only the building as HDB provided it, which rarely costs much to put right, and one insurer is appointed for every flat in Singapore. It pays nothing for your renovations, furniture or belongings.
Do I still need home insurance?
Yes, if you want your renovations, furniture and belongings covered, or your liability to neighbours. HDB fire insurance covers none of those.