Home Insurance > How Much CoverHow much cover do I need?
For contents
Select all the more costly items in your home such as computers, rugs, televisions, hi-fi sets, furniture, beds, jewellery and bags. Then add on any smaller items such as VCDs, books, toys and kitchenware and calculate the total value of all these items together.
For fixtures, fittings and renovations
Calculate the cost of any renovations including the installation of air-con units. If you are a tenant and these things are covered under your lease agreement with your landlord then we suggest you select zero insurance cover when getting your quote.
For buildings
As is the case with all building insurance, your home isn’t insured for the market value. Instead we estimate an average building reconstruction cost of:
| HDB: |
 |
S$90,000 for a 3 room HDB |
|
S$120,000 for a 4 room HDB |
|
S$150,000 for a 5 room HDB |
| Private Apartment: |
| Development Type |
Cost per CFA (S$/psm) |
| Medium-Quality Condominium |
2,000 to 2,550 |
| Good-Quality Condominium |
2,400 to 3,200 |
| Luxury-Quality Condominium |
3,100 to 4,200 |
| Landed Residential |
|
| Semi-detached House |
2,600 to 3,350 |
| Terrace House |
2,350 to 2,800 |
| Detached House |
3,550 to 5,850 |
|
| Source: Rider Hunt Levett & Bailey |
Read DirectAsia.com home insurance for complete information including limits and conditions.
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