Enhanced Home Insurance

Enhanced Home Insurance

Protect your home contents, renovations and building against unforeseen events such as fire, theft or flood damages.

What it covers

Building structure

We cover damages to building structure, fixtures, and fittings, based on HDB or the property developer’s standard specifications.


We cover damages to renovations[1] which includes improvements and additions to fittings and fixtures made within the premises.

Home contents

We cover losses and damages to physical and movable household items or personal belongings[2]. This includes money and valuables kept within the premises belonging to you or your family members.

Personal accident and medical expenses

In the event of death or permanent disability due to an accident within the premises, we pay up to a total of $50,000 for you and your family members who permanently live with you at the premises. We also compensate for medical expenses incurred due to an insured event.

Full list of insured events

Full coverage information for HDB homes and Private homes


Receive LinkPoints when you buy or renew Enhanced Home Insurance before 31 Dec 2017.

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Before you apply

You must:

  • Be the owner or co-owner of the premises in Singapore; or
  • Be a tenant or co-tenant who is currently renting the premises in Singapore

With Enhanced Home Insurance, you can choose from three plans, Comprehensive, Standard and Flexible to cater to your needs.

HDB Homes

HDB flat type 3-room 4-room 5-room Exec/HUDC
Yearly premium for Comprehensive Plan
(homeowners only)
$46.01 $71.69 $96.30 $127.33
Yearly premium for Standard Plan
(homeowners and tenants)
$35.31 $51.36 $60.99 $75.97

Private Homes

Plan type Plan 1 Plan 2 Plan 3 Plan 4
Yearly premium for Comprehensive Plan
(homeowners only)
$203.30 $295.32 $438.70 $712.05
Yearly premium for Standard Plan
(homeowners and tenants)
$121.98 $173.34 $224.70 $355.05

Flexible Plans

Pay premiums[3] based on your desired amount of coverage.

Home category Coverage
Building or renovations Home contents
HDB homes $2.45 per $10,000 benefit limit $14.56 per $10,000 benefit limit
Private homes $4.00 per $10,000 benefit limit $19.00 per $10,000 benefit limit

Premium rates are inclusive of 7% GST, non-guaranteed and may be reviewed from time to time.

For one-year plan type, you can make your payment yearly or monthly (only by recurring credit card).
For three-year plan type, you can make your payment once in every three years.

Important Notes


  1. Renovation could also include flooring, built-in wardrobes and kitchen cabinets. These do not form part of the building cover.
  2. Home contents do not include, amongst other items, motor vehicles, pets and items connected with your business or trade. Please refer to the policy contract for the exclusions and the benefit sub-limits for each type of content.
  3. The minimum premium for our flexible plan is $35.31 per year.



There are certain conditions whereby the benefits under the plans will not be payable. You can refer to the policy contract for the precise terms, conditions and exclusions of the plans. The policy contract will be issued when your application is accepted.

Important notes


This page is for general information only. You can find the usual terms and conditions of this plan in the policy conditions.
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Income or visit the websites of the General Insurance Association of Singapore (www.gia.org.sg), the Life Insurance Association, Singapore (www.lia.org.sg) or Singapore Deposit Insurance Corporation (www.sdic.org.sg).


Information is correct as of 16 September 2017

Frequently asked questions

How to apply

For enquiries about home and lifestyle products, please call our hotline:
6788 1111

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