HomeEasy
Covers HDB and private apartment owners and tenants. Get up to $200,000 for home contents and renovations, whether it’s a resale, BTO or new unit.
Features & benefits
Home Contents and Renovations Cover
Up to $200,000* coverage for renovations, movable household items, household contents and personal belongings.
Personal Cyber Protection
Up to $2,500 coverage for cyber incidents, including theft of funds and online shopping fraud.
Worldwide Personal Liability
Up to $1,000,000 in worldwide personal legal, property owner's and tenant's liability.
Energy Efficient Appliance Upgrade
Covers the extra replacement cost for aircons, fridges, clothes dryers, TVs, washers and dishwasher rated 4-ticks and above.
Alternative Accommodation/Loss of Rent
Covers costs of reasonable alternative accommodation or rent that is payable by or to you while your home is uninhabitable.
Utility Bill Relief and Conservancy Charges
Pays your monthly service and conservancy charges up to 3 months.
*Cover and limits based on Gold 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, telephone medical advice, private medical transportation, electrician and plumber referrals, locksmith assistance and more.
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
| Benefits Summary | Owner Occupied and Landlord | Tenant | ||
|---|---|---|---|---|
| Silver | Gold | Silver | Gold | |
| Limit of Benefits | Limit of Benefits | Limit of Benefits | Limit of Benefits | |
Section 1Home contents and renovations | ||||
| Contents | $30,000 | $80,000 | $30,000 | $80,000 |
| Renovations | $70,000 | $120,000 | Not covered | Not covered |
| Additional benefits to Section 1 | ||||
| Alternative accommodation or loss of rent | Up to 10% of the sum insured under Section 1 | Up to 10% of the sum insured under Section 1 | Up to 10% of the sum insured under Section 1 | Up to 10% of the sum insured under Section 1 |
| Removal of debris | Up to 5% of the sum insured under Section 1 | Up to 5% of the sum insured under Section 1 | Up to 5% of the sum insured under Section 1 | Up to 5% of the sum insured under Section 1 |
| Cost of temporary protection | $1,500 | $1,500 | $1,500 | $1,500 |
| Replacement of locks and keys | $500 | $500 | $500 | $500 |
| Loss of money | $250 | $250 | $250 | $250 |
| Cash allowance | $300 | $300 | $300 | $300 |
| Contents temporarily removed | $500 per item up to 15% of the sum insured for Contents | $500 per item up to 15% of the sum insured for Contents | $500 per item up to 15% of the sum insured for Contents | $500 per item up to 15% of the sum insured for Contents |
| Accidental breakage of fixed mirrors and glass | $300 | $500 | $300 | $500 |
| Utility bill relief and conservancy charges | $300 | $300 | $300 | $300 |
| Energy efficient appliance upgrade | 10% in addition | 10% in addition | 10% in addition | 10% in addition |
Section 2Worldwide personal liability | ||||
| Personal legal liability | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Property owner’s liability / tenant’s liability | $500,000 | $500,000 | $500,000 | $500,000 |
| $1,000,000 in the aggregate | $1,000,000 in the aggregate | $1,000,000 in the aggregate | $1,000,000 in the aggregate | |
Section 3Emergency home assist | ||||
| Covered | Covered | Covered | Covered | |
Section 4Personal cyber | ||||
| Theft of fund | $2,500 | $2,500 | $2,500 | $2,500 |
| Online shopping | $2,500 | $2,500 | $2,500 | $2,500 |
| $2,500 in the aggregate | $2,500 in the aggregate | $2,500 in the aggregate | $2,500 in the aggregate | |
Optional benefitsPlease refer to the policy schedule to see if the optional benefits are applicable | ||||
Section 5Family protection | ||||
| Accidental death (worldwide) and permanent disability | ||||
| − Insured − Spouse − Child(ren) | $50,000 Aggregate of $100,000 for the period of insurance | $50,000 Aggregate of $100,000 for the period of insurance | $50,000 Aggregate of $100,000 for the period of insurance | $50,000 Aggregate of $100,000 for the period of insurance |
| Hospital cash benefit (per insured person) − Dengue fever | $100 Minimum 3 days of hospitalisation | $100 Minimum 3 days of hospitalisation | $100 Minimum 3 days of hospitalisation | $100 Minimum 3 days of hospitalisation |
Section 6 | ||||
Bicycle and mobility scooter | $500 | $500 | $500 | $500 |
Section 7Worldwide cover for personal effects | ||||
| Accidental loss or damage for items worn or carried on you and members of your household | Sum insured up to $10,000, subject to $2,500 for any one article | Sum insured up to $10,000, subject to $2,500 for any one article | Sum insured up to $10,000, subject to $2,500 for any one article | Sum insured up to $10,000, subject to $2,500 for any one article |
| No. | Questions & Answers | |
|---|---|---|
| 1 | Why do I need HomeEasy when my home is already insured under the HDB fire, MCST or an equivalent policy? The cover under your HDB fire, MCST or an equivalent policy usually relates to the building structure, permanent fixtures, and fittings. Your household contents, personal belongings, improvements, and additions to your home may not be covered under these policies. | |
| 2 | What are the key features offered by HomeEasy? HomeEasy covers a wide range of benefits from fire, weather-related losses, or damage due to break-ins, personal legal liabilities, and many more. Unique features include our energy efficient appliance upgrade benefit, where we pay the additional cost to replace an appliance with a minimum 4-tick rated appliance, and personal cyber benefit, which covers the theft of funds and online shopping fraud, to name a few. | |
| 3 | Do I need to provide a detailed listing of the contents to be insured? No, you do not need to provide a detailed listing of the contents to be insured. However, there are specific limits on certain items. For example, valuables like jewellery, watches, and works of art are covered up to 30% of the total sum insured for contents, with each item covered up to 5% of the sum insured or $6,000, whichever is lower. It’s important to ensure that the selected plan covers the full value of your home contents and renovations at current prices to avoid any deductions for wear and tear or depreciation in case of a claim. | |
| 4 | Which property type is HomeEasy is suitable for? HomeEasy is specially designed for HDB and private apartment homeowners, landlords, and tenants. | |
| 5 | What are the period of insurance options available for HomeEasy? HomeEasy is available in 1-year, 3-year, and 5-year periods of insurance. Select the 5-year period of insurance to enjoy a 10% discount on the premium. | |
| 6 | What are the available plans for HomeEasy and how do I choose the right one? HomeEasy offers two plans, Silver and Gold. We recommend selecting the plan where the sum insured adequately covers the improvements and additions within your home, such as fixtures and fittings (including flooring, built-in wardrobes, and air-conditioners), made by you or any former owner. This ensures comprehensive protection for your home renovations and personal belongings. | |
| 7 | What is the Energy Efficient Appliance Upgrade benefit? The Energy Efficient Appliance Upgrade benefit covers the cost to replace a 3-tick or below rated appliance with a minimum 4-tick rated appliance if it is totally lost, destroyed, or cannot be repaired due to a covered loss. We will pay up to 10% more than the replacement value. This applies to appliances rated under the Mandatory Water Efficiency Labelling Scheme (WELS) or the Mandatory Energy Labelling Scheme (MELS). | |
| 8 | Does HomeEasy provide cover for personal legal liability including property owner's liability? HomeEasy provides worldwide personal legal liability protection for you and your household members, as well as legal liability as a property owner. | |
| 9 | How does HomeEasy cover me if I am tenant of a rented property? You will be covered for 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. | |
| 10 | How does HomeEasy cover me if I am the landlord? If you are the landlord, HomeEasy covers you for any legal responsibility if someone gets hurt or if there is damage to someone else’s property because of a problem with the property that you have rented out. This does not include normal wear and tear. You also need to keep the property in good condition and fix any issues quickly to stay covered. | |
| 11 | What does the Personal Cyber benefit cover? The Personal Cyber benefit covers the theft of money arising from phishing or spoofing incidents, and loss of money from being tricked into buying goods online from a dishonest third party. | |
| 12 | Is the policy renewable? What are the available payment modes? The policy will automatically renew upon expiry. Premium is payable via credit card and recurring renewal premium will be charged to the same credit card provided. | |
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.
| HomeEasy | Enhanced HomePlus | Home Insurance | |
|---|---|---|---|
Suitable for | HDB and private apartment owners, landlords and tenants | All property types including landed properties owners, landlords and tenants | All property types including landed properties owners, landlords and tenants |
Coverage | Insured perils only Choose from 2 plans with 3 optional benefits | Insured perils only Choose from 3 plans with 2 optional benefits | All risks cover Sum insured as proposed |
Home Contents | Up to $80,000 | Up to $120,000 with option to increase sum insured* | Sum insured as proposed |
Renovations | Up to $120,000 | Up to $150,000 with option to increase sum insured* | As per sum insured under building section |
Energy efficient appliance upgrade | 10% in addition | Not Available | Not Available |
Emergency home assist | Included | Included | Not included |
Personal cyber | Covered | Not Covered | Not Covered |
Personal Legal LiabilityTenant liabilityProperty owner's liability | $1,000,000 $500,000 $500,000 $1,000,000 in aggregate | $1,000,000 $500,000 $1,000,000** $1,000,000 in aggregate | $1,000,000 $500,000 $1,000,000** $1,000,000 in aggregate |
Building | Not Available | Available as optional cover Sum insured as proposed | Available as optional cover Sum insured as proposed |
Special possessions | Not Available | Not Available | Available as optional cover Sum insured as proposed |
Family accidental death protection | Available as optional cover | Covered | Not Available |
Bicycle and mobility scooter locked outside your home | Available as optional cover | Not Available | Not Available |
Worldwide cover for personal effects | Available as optional cover | Not Available | Not Available |
Coverage duration | 1 year, 3 year and 5 year | 1 year | 1 year |
* For Ultimate plan only
** Applicable when Building cover is purchase
