Enhanced HomePlus®
Shield your home and everything in it with our comprehensive home insurance. At MSIG, we understand that your home is more than just a place; it's where memories are made. When life throws you curve-balls, our home insurance plans are your security blanket against unforeseen events like fire, theft, and natural disasters.
MSIG's Enhanced HomePlus plan offers tailored protection that fits your unique needs. Enjoy benefits such as worldwide personal liability, alternative accommodation, coverage for renovations, and home content coverage. Secure your home today with our trusted home insurance solutions!
Features & benefits
Home Contents and Renovations Cover
Up to $270,000* coverage for renovations, movable household items, household contents and personal belongings.
Worldwide Personal Legal Liability
Up to $1,000,000 in Worldwide Personal Legal Liability for you and your family.
Optional Building Cover
Optional cover for your building for all‑round protection of your home and household contents.
Alternative Accommodation/Loss of Rent
Enhanced HomePlus home insurance plan takes care of your temporary accommodation costs, emergency cash, conservancy charges and even loss of rent.
Removal of Debris
After a fire or burst pipe, clearing damaged items is tough. With MSIG home and HDB fire insurance, we'll help lower the cost of debris removal after an insured event.
*Cover and limits based on Ultimate Plan.
Why choose MSIG?
Simple to Buy
Purchase this home insurance plan online from the comfort of your home.
24/7 Helpline
We offer you round‑the‑clock support for home emergencies, electrician and plumber referrals, and even locksmith assistance.
Claims Made Easy
Save time by submitting your property or liability insurance claim online! We keep our process as simple as possible to bring your claim to a fair settlement.
Select plans to compare
| COVERAGE | Sum Insured (up to) | |||
|---|---|---|---|---|
| Standard Plan | Superior Plan | Ultimate Plan | ||
| 1 |
Home Contents |
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| Household contents and personal belongings* | $50,000 | $80,000 | $120,000 | |
Renovations |
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| Improvements and additions to your Home not forming part of the Building | $75,000 | $115,000 | $150,000 | |
| Physical loss or damage to your Home Contents and Renovations caused by fire, lightning, domestic explosion, windstorm, flood, bursting or overflowing of water tanks, pipes, earthquake, volcanic eruption, aircraft, impact by land vehicles, riot, civil commotion, malicious acts, theft or burglary in your home** | ||||
Total |
$125,000 | $195,000 | $270,000 | |
| 2 |
Worldwide Personal Liability |
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| Personal legal liability for you and your family including liability as a tenant for up to $500,000 | $1,000,000 in the aggregate | $1,000,000 in the aggregate | $1,000,000 in the aggregate | |
| 3 |
Worldwide Accident Protection |
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| Covers you, your spouse or your child(ren) in the event of death by accident | $20,000 per adult $10,000 per child $50,000 in the aggregate |
$30,000 per adult $15,000 per child $75,000 in the aggregate |
$30,000 per adult $15,000 per child $75,000 in the aggregate |
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Hospital Cash Benefit |
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| Daily cash benefit due to hospitalisation as a result of an Injury to you, your spouse or your child(ren) – Up to 90 days | $50 per day per person | $75 per day per person | $75 per day per person | |
| 4 |
Emergency Home Assist |
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Access to 24‑hour MSIG Assist helpline for assistance in Singapore:
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Included | Included | Included | |
Select plans to compare
| BENEFITS SUMMARY | Sum Insured (up to) | |||
|---|---|---|---|---|
| Standard Plan | Superior Plan | Ultimate Plan | ||
| 1 |
Alternative Accommodation or Loss of Rent |
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| Cost of reasonable alternative accommodation, or rent which continues to be payable by you or rent payable to you while your home remains uninhabitable | Up to 10% of the Sum Insured under Home Contents and Renovations | Up to 10% of the Sum Insured under Home Contents and Renovations | Up to 10% of the Sum Insured under Home Contents and Renovations | |
| 2 |
Removal of Debris |
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| Cost incurred for removal of debris following damage to items covered under Home Contents and Renovations | Up to 5% of the Sum Insured under Home Contents and Renovations | Up to 5% of the Sum Insured under Home Contents and Renovations | Up to 5% of the Sum Insured under Home Contents and Renovations | |
| 3 |
Cost of Temporary Protection |
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| Cost of temporary boarding up or protection pending repairs or replacement following damage to items covered under Home Contents and Renovations | $1,500 | $2,000 | $2,000 | |
| 4 |
Replacement of Locks/Keys |
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| Cost of replacing locks and keys to external doors | $500 | $750 | $750 | |
| 5 |
Accidental Death of Domestic Pet |
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| Death by accident of your domestic dog or cat in your home | $500 | $750 | $750 | |
| 6 |
Loss of Money |
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| Loss of personal money due to burglary in your home | $500 | $750 | $750 | |
| 7 |
Emergency Cash Allowance |
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| Pays for the purchase of essential clothing or personal effects in the event your home is uninhabitable due to an insured event for 5 days or more. | $500 | $750 | $750 | |
| 8 |
Fraudulent Use of Credit/ATM cards |
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| Monetary loss due to unauthorised use of credit cards or ATM cards taken from your home by third parties | $500 | $750 | $750 | |
| 9 |
Contents Temporarily Removed |
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| Loss or damage to contents temporarily removed from your home to any residential building or hotel in Singapore for up to 14 days, subject to $500 for any one item | $7,500 | $12,000 | $15,000 | |
| 10 |
Accidental Breakage of Fixed Mirrors and Glass |
$1,000 | $1,500 | $1,500 |
| 11 |
Deterioration of Frozen Food |
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| Cost to replace deteriorated frozen food in the deep freezer of your refrigerator of less than 5 years old due to failure of the freezer | $500 | $750 | $750 | |
| 12 |
Damage to Security Systems |
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| Damage as a result of theft or any attempted theft | $500 | $750 | $750 | |
| 13 |
Conservancy Charges |
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| Pays your monthly service and conservancy charges in the event your home is uninhabitable following an insured event | $500 | $750 | $750 | |
| 14 |
Fraud or Dishonesty of Domestic Servants |
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| Monetary loss suffered due to fraud or dishonesty of your domestic servants living in your home | Not Covered | $500 | $500 | |
| 15 |
Fire Extinguishment Expenses |
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| Cost of replenishment of fire fighting appliances in your home | $2,000 | $3,000 | $3,000 | |
| BENEFITS SUMMARY | Sum Insured (up to) | |||
|---|---|---|---|---|
| Standard Plan | Superior Plan | Ultimate Plan | ||
| 1 |
Building |
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| Physical loss or damage to your residential Building caused by fire, lightning, domestic explosion, windstorm, flood, bursting or overflowing of water tanks, pipes, earthquake, volcanic eruption, aircraft, impact by land vehicles, riot, strike, civil commotion, malicious acts, theft or burglary into your home** | Sum Insured shall reflect the cost of reinstatement of the house, apartment or flat, including walls, gates, fences, footpath, swimming pool, patios, terraces, driveways, permanent fixtures and fittings at the insured address, but excludes foundations and drains. | |||
| BENEFITS SUMMARY | Sum Insured (up to) | |||
|---|---|---|---|---|
| Standard Plan | Superior Plan | Ultimate Plan | ||
| 1 |
Building Fees and Cost |
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| Professional fees of Architects, Surveyors and Engineers, clearing and shoring up cost | Covered under Building Sum Insured | Covered under Building Sum Insured | Covered under Building Sum Insured | |
| 2 |
Property Owner’s Liability |
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| Your legal liability to third parties by reason of your ownership of the Building | $1,000,000 In the aggregate with Worldwide Personal Liability |
$1,000,000 In the aggregate with Worldwide Personal Liability |
$1,000,000 In the aggregate with Worldwide Personal Liability |
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*We will not pay for more than 30% of the Sum Insured on Contents in respect of Valuables, or more than 5% of the Sum Insured on Contents for any one article (except furniture, personal computers, audio and video equipment, pianos or organs) or $6,000 whichever is the lower.
**An excess of $100 applies to damage due to hurricane, cyclone, typhoon, windstorm, flood, water discharged, overflowing or leaking from pipes, water systems, roofs, roof guttering and down pipes.
| No. | Questions & Answers | |
|---|---|---|
| 1 |
Why do I need Enhanced HomePlus insurance when my home is already insured under the mortgage fire insurance with my bank? The cover under your mortgage fire insurance or HDB fire insurance usually relates to the building structure, permanent fixtures and fittings (in connection with your home loan with the bank). Your household contents, personal belongings, improvements and additions to your home, may not be covered under the mortgage fire insurance. |
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| 2 |
Are there unique features offered by Enhanced HomePlus home insurance? Enhanced HomePlus home insurance covers a wide range of risks from fire, weather-related losses or damage to break-in to the home, personal legal liabilities and many more. Certain unique features are benefits like payment of monthly service and conservancy charges that are still payable after the home is uninhabitable after a loss, and dishonesty or fraudulent acts of your domestic servants, to name a few. |
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| 3 |
What is the definition of "Contents"? "Contents" refers to household goods and personal effects belonging to you and members of your household including your domestic servant e.g. furniture, furnishings, home appliances, personal computers, books, toys, clothing and other personal belongings including Valuables. |
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| 4 |
What are "Valuables" and how much are they covered for? "Valuables" refers to jewellery, watches, furs, curios, works of art, antiques, stamps and coin collections and other collectable property, manuscripts, medals, items of gold, silver or other precious metals or precious stones kept in the home. Each article or item is covered up to 5% of the Sum Insured on Contents and an overall limit of up to 30% of the Sum Insured on Contents, e.g. Contents under the Superior Plan is $80,000; the limit per article is $4,000 and the maximum limit for all Valuables shall not exceed $24,000. |
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| 5 |
How do I compute the sum to be insured? The Sum Insured should represent the full value of your home renovations, household contents and personal effects belonging to you and members of your household including any domestic servants living in your home at current day values. |
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| 6 |
Do I need to provide a detailed listing of the contents to be insured? You do not need to do so. There are, however, specific limits applicable – refer to answer for FAQ 4 above. Where an article is part of a pair or set, suite, group or collection of articles of similar pattern, colour or design, it will be regarded as an article on its own without reference to the special value that such article bears to the pair or set, suite, colour, pattern or design. The specified limits do not apply to furniture, personal computers, audio and video equipment, pianos or organs. |
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| 7 |
What is the sum I can recover after a loss? Payment is based on the cost of repairs in the case of partial damage or replacement as new for property totally lost or destroyed. The Sum Insured for Contents and Renovations must represent the full value as new at the time of the loss or damage; otherwise, a deduction will be made for any wear and tear or depreciation. |
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| 8 |
How does Enhanced HomePlus home insurance cover me if I am a tenant of a rental home? Your home insurance plan will include all the benefits in the Benefit table including legal liability arising out of a negligent act for loss or damage to the Contents, fixtures and fittings where these do not belong to you but are under your responsibility and the rented residential Building while under your occupation. Normal wear and tear will not be covered. |
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| 9 |
What are the policy exclusions? The key exclusions are radioactive contamination, war, terrorism, political risks, deliberate or malicious acts of the Insured or members of the Insured’s household. The full details of the exclusions are contained in the policy document. |
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| No. | Questions & Answers | |
|---|---|---|
| 1 |
Why do I need to buy Building cover for my home? It is important to insure your residential building to safeguard against the financial strain as a result of any loss or damage to the property caused by fire, water damage, theft or burglary and other incidents. Cover can be arranged under the optional “Building” section of the Enhanced HomePlus policy. |
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| 2 |
Do I need Building cover for my condominium apartment when the Management Corporation has in place fire insurance for my property? If your condominium apartment is a Strata Title property, the Management Corporation is required to effect fire insurance for the structure of the building(s) and the common areas. You may want to take up separate building cover for the improvement and renovations done to your home such as flooring, walls and doors. |
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| 3 |
What is the definition of "Building"? "Building" refers to the physical structure of the house, apartment or flat (excluding foundations and drains) and includes walls, gates, fence, footpath, swimming pool, patios, terraces, driveways; and all other permanent fixtures and fittings which were originally part of the building when it was transferred by the developer or builder to the first owner. |
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| 4 |
How do I determine the sum to be insured for my Building? The Sum Insured should represent the cost of rebuilding or reinstating the building as new at the time of the occurrence of an insured event. This excludes foundations, drains and the value of the land. Please review the Sum Insured regularly to take into account the increased cost of construction and general inflation. The General Insurance Association of Singapore provides information on general insurance for consumers at www.gia.org.sg. You may refer to their FAQ as a guide to determine the replacement cost for your building. It is advisable that you engage the services of a qualified property valuer or quantity surveyor, approximately every 3 years to keep abreast with the rebuilding cost at current day prices. |
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| 5 |
What happens if my Sum Insured is insufficient? You will not receive full compensation for your loss or damage where the insured amount is less than 80% of the full rebuilding cost at the time of the occurrence of an insured event. The amount payable will be proportionately reduced by the sum of the under-insurance to the full replacement cost. See illustration below:
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| 6 |
What can I do if I wish to increase my Building Sum following extensive additions or upgrading or re-valuation of my building? Please contact us to update the Sum Insured as soon as possible. The premium for the additional Sum Insured will be pro-rated from the date of increase to the expiry of the policy period. This is subject to a minimum premium of $10 for mid-term increase to endorse your policy. |
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| 7 |
Are there any other exclusions besides those mentioned in answer 9 under the Home Contents FAQ? Exclusions applicable to Home Contents apply to Building cover as well. Please refer to the policy for the full details of the exclusions. |
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This page is for general information only. Full details of the terms, conditions and exclusions of this insurance are provided in the policy and will be sent to you upon acceptance of your application by MSIG Insurance (Singapore) Pte Ltd.
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 us here or visit GIA or SDIC.
Ever wondered if HDB Fire Insurance is the same as Home or Home Contents Insurance? Here is what you need to know:
HDB Fire Insurance offers only basic protection for reinstating damaged internal structures, permanent fixtures and fittings provided by HDB, up to the sum insured. What your HDB Fire Insurance does not cover are home contents such as furniture, renovations, personal belongings, prized collections and valuables. A comprehensive home insurance should cover both the house structure and home contents, in other words, it is a combination of a fire insurance and a home contents insurance.
There are many benefits to a comprehensive home insurance. Besides alleviating your financial stress in reinstating your home, it usually comes with additional benefits such as coverage for temporary accommodation costs, emergency cash, third party liabilities and importantly, personal accident protection for your family in the event they are injured in a fire or in a break-in.
Even if your HDB loan is paid up, it pays to be prudent to buy a fire insurance and a home contents insurance, or a comprehensive home insurance to cover for what is probably your biggest financial asset.
| Enhanced HomePlus | Home Insurance | |
|---|---|---|
Home Contents & Renovation |
$270,000 | Sum as proposed |
Building Structure |
Sum as proposed | Sum as proposed |
Alternative Accommodation or Loss of Rent |
10% of Home Contents & Renovations insured |
10% of Sum insured for Home Contents |
Removal of Debris |
5% of Home Contents & Renovations insured |
$10,000 |
Worldwide Personal Liability as owner |
$1 million |
$1 million |
Special Possessions |
- | Sum as proposed subject to $2,500 per article |
Hospital Cash Benefit |
$75 per day per person (up to 90 days) | - |
*Cover is based on highest plan.
