Home Insurance > What We CoverChoose the cover that’s right for you. It’s simple.
Our core home Insurance at a glance
Your contents, and fixtures and fittings are covered in the event of a fire, explosion, storm or flood, earthquake, tsunami, lightning, burst or overflowing pipes, theft, attempted theft, vandalism or malicious damage.
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YOU’RE COVERED FOR |
WHAT IT MEANS |
HOW MUCH COVER |
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Fixtures, fittings and renovations
including: |
We’ll repair or pay out a cash sum if any fixtures, fittings and renovations are lost or damaged. |
Up to S$250,000 |
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Professional fees. |
We’ll pay fees for architects, surveyors and engineers to help rebuild and repair your property if it has been destroyed or damaged. |
Up to S$15,000 |
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Loss or damage to your home contents |
We’ll repair or pay out a cash sum for loss or damage to home contents including valuables, cash and legal documents. |
Up to S$250,000 |
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Cost of alternative
accommodation |
We will pay you S$250 per day for the cost of alternative, temporary accommodation if your property is uninhabitable. |
Up to S$50,000 |
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Cost of cleanup |
We’ll pay for the cleanup following any damage caused by disasters such as flooding or fire. We’ll also pay the costs to remove any debris from the building. |
Up to S$25,000 |
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Cost of replacement key |
If any external doors or window locks and keys, intruder alarms or safes in the building are stolen or damaged, we will pay for them to be replaced and installed. |
Up to S$750 |
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Emergency cash allowance |
In the event of a fire in your home, we will pay for essential items such as clothing or personal effects. |
Up to S$1,500 |
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Accidental breakage of mirrors and fixed glass |
If your mirrors or fixed glass are accidentally smashed or damaged, we’ll pay you the cost to replace them. |
Up to S$12,500 |
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Worldwide Personal Liability |
You’re covered for any third party legal liability incurred by you, your family or domestic helper. |
Up to S$500,000 |
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Optional benefits |
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Building cover |
We’ll repair or pay you for damage to the walls, ceilings, floors and roof of your home. |
Up to S$500,000 |
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Cat and dog insurance |
We’ll pay you a cash sum if your dog or cat is injured, stolen or involved in a fatal accident. |
Up to S$1,000 |
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24hr emergency assistance services |
If you need help we’ll arrange and pay for assistance including plumbers, electricians and locksmiths. |
Up to S$200 |
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Our home insurance in more detail
If an accident, loss or damage occurs, then your possessions, including your most valuable belongings are covered. You can choose to include cover for fixtures, fittings and renovations into the package, so you’ll be insured for everything apart from the building itself. If you want building insurance, you can add this on as an .
What are home contents?
Home contents include furniture, jewellery, clothes, shoes, bags, computers, freezers, bikes and basically anything inside your house and garden that you would take with you when you move. This includes cash and credit cards too.
What are fixtures, fittings and renovations?
Any permanent fixtures in your home such as tiles, wardrobes, kitchen units, sinks, bathroom showers and taps, or anything that you can’t take with you when you move home. This includes any renovations or improvements that have been made to your home such as new flooring and even air-con units.
What am I protected against?
You’re protected against loss or damage to your home, so if your home is damaged by a flood, lightning, storm, burst pipes or fire, then you won’t be left high and dry. Should the worst happen, then we’ll reimburse you for lost or damaged items including your fixtures and fittings. We’ll pay for alternative accommodation, and we’ll even pay you an emergency fund so that you can get back on your feet straight away.
We all know how safe Singapore is when it comes to crime but do remember ’low crime doesn’t mean no crime.’ Our insurance covers you for vandalism or theft if you’re the victim of burglars. So don’t wait until it’s too late. You’re covered too if your mirrors or windows are accidentally smashed or damaged. We’ll pay the cost to replace and install them.
Not only that, you’re covered for any legal liability too. That means if someone slips in your home and breaks a leg, then you’re covered for the injury to that person. If your helper accidentally drops items from your apartment onto a car below, then you’re covered for the repair cost.
Price of protection comes cheap
If the cost of insuring your home puts you off then read on!
Many people just don’t realize how cheap it is to get cover. It costs less than the daily cost of your newspaper. Our annual policies cost as low as 30 cents a day. It’s a small price to pay for a good night’s sleep!
At DirectAsia.com we’re able to offer you the best deals because we’re selective about who we insure. We don’t take on high-risk households which means we’re able to keep your premium down.
Can anyone get our home insurance?
If you own and live in your own property or if you’re a tenant, then our core home insurance cover is for you. Please visit page for more details.
Choose to add optional benefits
Add on these optional benefits for just a few dollars more.
- Building insurance
- Cat and dog insurance
- 24 hr assistance services
Read DirectAsia.com home insurance for complete information including limits and conditions.
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