Owning an HDB flat
HDB fire insurance
The fire insurance HDB requires while you have an HDB loan: what it costs, what it covers, and what it leaves for home insurance.
Premiums checked against HDB's insurer on 19 Oct 2026.
Premiums by flat type
| Flat type | Premium, 5 years | Sum insured |
|---|---|---|
| 1-room or Community Care Apartment | S$1.11 | S$37,900 |
| 2-room, 2-room Flexi or Studio Apartment | S$1.99 | S$57,000 |
| 3-room | S$3.27 | S$83,300 |
| 4-room or S1 | S$4.59 | S$117,000 |
| 5-room, S2 or 3Gen | S$5.43 | S$144,800 |
| Executive or Multi-Generation | S$6.68 | S$176,700 |
Find your block: its value and the insurance we recommend
See what homes there are worth and the home insurance we recommend.
What it covers, and what it does not
- Covered: fire damage to the flat's structure and the fixtures and fittings HDB or its developers installed.
- Also covered: fire spreading from a neighbouring flat, and water damage from burst pipes.
- Not covered: your renovations, such as flooring, built-in cabinets and false ceilings.
- Not covered: furniture, appliances, clothes and other belongings.
It is compulsory for owners with an HDB housing loan, for the whole loan, renewed every five years when HDB sends the notice. Owners with a bank loan or no loan may buy it too.
Home insurance for what HDB fire insurance leaves out
Home insurance pays for your renovations and belongings after a fire, flood, burglary or burst pipe, and for injury or damage you cause to others. For HDB flat, owner, S$60,000 contents, 20 insurers price it today from S$67.85 a year, at Sompo.
- Does HDB fire insurance cover renovations?
- Does home insurance cover theft?
- Does home insurance cover water damage?
- Does home insurance cover flood damage?
- Does home insurance pay for a hotel if your home is unliveable?
- Does home insurance cover personal liability?
- Does home insurance cover a home left empty?
Questions people ask
Is HDB fire insurance compulsory?
Yes, if you have an HDB housing loan: you must keep it for the whole loan, renewing every five years. Owners without an HDB loan, or who have paid it off, may buy it if they wish.
What does HDB fire insurance cover?
Fire damage to the flat's structure and the fixtures and fittings HDB installed, plus fire in a neighbouring flat and water damage from burst pipes. It does not cover your renovations, furniture or belongings.
How much is HDB fire insurance?
From S$1.11 for a 1-room flat to S$6.68 for an executive flat, for five years, GST included.
Do I still need home insurance?
For your renovations, belongings and liability to others, yes. Home insurance for HDB flat, owner, S$60,000 contents costs from S$67.85 a year today, across 20 insurers.