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Allianz Home Protect, designed to safeguard your home, offering protection that goes beyond the ordinary

 

Whether it is replacing furniture or repairing any damaged surfaces after an accident, Allianz Home Protect covers what makes your house a home.

  • Protection of up to S$100,000 Home Contents Protection

    Offer a wide coverage which includes fire, typhoon, gas explosion, water damage, theft and more.

  • Up to S$150,000 to cover Renovations

     

    Inclusive of all household improvements and interior decorations for your home, including those provided by developer.

  • All Risks Home Contents and Renovations

     

    Optional coverage is available for an additional premium to include accidental damage as a covered peril for your home contents and renovations.

  • Complete replacement value

    Home contents are covered on full replacement basis, without deduction for wear and tear or depreciation.

  • Personal Liability Protection

     

    Up to S$2,000,000 in worldwide personal liability cover.

Note: Benefit limits are based on Allianz Home Protect Platinum Plan. Terms and conditions and exclusions apply.

Enjoy 40% off your Allianz Home Protect first year
premium.

Plus, receive up to S$50 worth of shopping
vouchers.

Promotion valid till 31 Dec 2026. T&Cs apply.

Apply Now

 

How Protection Makes a Difference

*Characters are fictitious for illustrative purpose only.

Scenario x

Scenario x

Coverage / Benefits Schedule

Allianz Home Protect

Maximum Benefit in SGD

 

Silver       

Gold      

Platinum

Section I – Loss or Damage To The Home Contents or Renovations

Basic Sum Insured for Home Contents
Damage to or loss of home contents against covered peril such as fire, typhoon, gas explosion, water damage and theft etc.

The maximum cover for:

$40,000 per year

$60,000 per year

$100,000 per year

  • Furniture and home appliances (e.g. leather sofa, hi-fi)

$6,000 per item

$7,500 per item

$15,000 per item

  • Valuables (e.g. jewellery, watches, furs)

$2,500 per item
$10,000 in total per event

$5,000 per item
$15,000 in total per event

$10,000 per item
$20,000 in total per event

  • Money

$1,000 per year

$2,000 per year

$3,000 per year

Basic Sum Insured for Renovations*
Household improvements including improvements and betterments on walls, windows, ceiling, floors and doors

$60,000 per year

$90,000 per year

$150,000 per year

Additional Benefits

Professional Fees
Covers fees required for professional consultation as required in event to damage to Renovations. Shares the same limit as Renovations

$60,000 per year

$90,000 per year

$150,000 per year

Household Removal
Damage to or loss of home contents in the course of removal by professional removers

$40,000 per event

$60,000 per event

$100,000 per event

Temporary Removal
Damage to or loss of home contents while being temporarily removed for renovation, maintenance, cleaning, etc.

$6,000 per event

$7,500 per event

$15,000 per event

Temporary Storage of Furniture
Damage to or loss of home contents while being stored in a furniture depository for up to 30 days

$10,000 per event

$20,000 per event

$30,000 per event

Alternative Accommodation, Loss of Rent, Utility And Conservancy Charges*
Home is damaged and rendered uninhabitable by a Covered Peril. Covers for alternative lodgings, rent payable to or by you and utility or conservancy charges that you are liable to pay

$10,000 per event

$15,000 per event

$25,000 per event

Window And Door Replacement
Damage to door or window during commission of a burglary

$250 per event

$500 per event

$1,000 per event

Domestic Servant’s Property*
Damage to or loss of a domestic servant’s personal effects

$500 per event

$1000 per event

$1,500 per event

Home Contracting Works
Damage or loss of home contents incurred due to contracted work provided the renovation period does not exceed 2 months

$2,000 per item

$3,000 per item

$5,000 per item

Emergency Cash Allowance*
Cash allowance for the purchase of essentials & necessities in the event of your home is uninhabitable due to a loss or damage

$1,000 per event

$1,000 per event

$1,000 per event

Accidental Damage to Fixed Glass And Mirrors*
Cost of repairing, changing or replacing fixed glass and fixed mirrors broken due to accident

$1,000 per event

$1,000 per event

$1,000 per event

Deterioration of Fridge Contents*
Cost of replacing damaged food items stored in refrigerator or freezer

$500 per event

$750 per event

$1,000 per event

Domestic Servant Fraud Or Dishonesty*
Reimbursement for loss resulting from act of fraud or dishonesty committed by Insured’s domestic servant

$500 per event

$500 per event

$500 per event

Section II – Worldwide Personal Liability

Worldwide Personal Liability
Any claim made against you for bodily injury or property damage resulting from negligence by you or your family members anywhere in the world

$2,000,000 per event

$2,000,000 per event

$2,000,000 per event

Optional Benefits

Section III – Home Appliance Accidental Protection

Accidental loss or damage to Home Electronic Appliances such as:

  • Kitchen appliances: refrigerator, freezer, dishwasher, microwave oven, cooker hood and hob
  • Home appliances: television, audio equipment, air-conditioner, washer/dryer
  • Personal appliance: tablets, laptops, computers

(Excess: S$100)

N/A

$2,500 per year

$5,000 per year

Section IV – Worldwide All Risks

Loss or Damage of Personal Effects
(Excess: S$100)

N/A

N/A

$1,500 per item
up to $5,000 per event

Sublimit:

  • Loss of Personal Documents
  • Loss of Personal Money
  • Unauthorised Use of Credit Card

N/A

N/A

$600 per event
$600 per event
$1,000 per event

Section V – All Risks Home Contents, Renovations

All Risks Home Contents and Renovations
To include Accidental Damage as a Covered Peril under Section I – Loss or Damage To the Home Contents or Renovations

Covered under Section I Sum Insured for Home Contents and Renovations

Covered under Section I Sum Insured for Home Contents and Renovations

Covered under Section I Sum Insured for Home Contents and Renovations

Additional Benefits (Section V)
(Optional cover, additional premium is required)

Additional Sum Insured Home Content
To increase the Sum Insured of the Home Contents under Section I Basic Sum Insured for Home Contents

+ $50,000 / + $100,000

+ $50,000 / + $100,000

+ $50,000 / + $100,000

Additional Sum Insured Renovations and Building Cover
To increase the Sum Insured of the Renovations under Section I Basic Sum Insured for Renovations and to include Building

+ $500,000 / + $1,000,000

+ $500,000 / + $1,000,000

+ $500,000 / + $1,000,000

Please refer to the Policy Wordings for full details on the coverage, exclusions and all the other terms and conditions and FAQs for more information.

 

FAQs

Yes, as long as the premises to be insured are located in Singapore, you can purchase Allianz Home Protect. Tenants renting residential premises in Singapore can also purchase this plan.

Certain benefits such as alternative accommodation, window/door replacement, home contracting works and emergency cash allowance do not have an excess. For other benefits, the first S$100 of every claim will be paid for by the customer, except in respect of water damage (S$200 or 5% of loss, whichever greater), household removal (S$250) and landslip & subsidence (S$10,000 or 10% of loss, whichever greater). Please refer to the Policy Wording for more information.

Each policy is tied to a specific home. In the event you change homes, you will need to inform Allianz as soon as possible.

Valuables such as jewellery, watches and furs are covered in this policy, up to a limit per item and limit per event, dependent on your chosen plan.

The “Additional Sum Insured Renovations and Building” add-on helps protect the value of your home improvements and built-in features like flooring, cabinets, and bathroom fittings no matter which property you stay in, which might not cover all your upgrades. If there’s accidental damage from fire, water leaks, or other covered events, this add-on lets you claim repair or replacement costs based on a higher insured amount. It’s useful if you have invested a lot in renovations and want to ensure that your home is sufficiently protected.

You can cover for building by selecting the optional add- “All Risks Home Content and Renovation” and select your preferred sum insured under “Additional Sum Insured Renovations and Building Cover”, which will be either $500,000 or $1,000,000.

The policy automatically renews until a notice of cancellation is received. Yes, you can cancel the policy at any time by informing Allianz at CustomerService@allianz.com.sg or +65 6222 1919 with your full name, NRIC and policy details.

Loss or damage caused by theft will not be covered for any period over 90 days that the home is unoccupied. Loss or damage caused by sprinkler leakage will not be covered for any period over 30 days that the home is unoccupied. All other losses occurring while the home is unoccupied are covered.

Yes, you may purchase the policy provided the premises to be insured are located in Singapore.

The cover effected under the HDB Fire Policy or your Mortgage Fire Insurance usually relates to the building structures, permanent fixtures and fittings only. Any household improvements, home contents and personal belongings may not be covered. Allianz Home Protect provides this cover plus optional covers such as Home Appliance Accidental Protection and Worldwide All Risk.

The “Worldwide All Risks” optional add-on offers coverage for personal belongings against accidental loss or damage, regardless of where the incident occurs.

Key features include:
• Scope of Coverage: Accidental loss or damage to personal effects such as jewellery, electronics, or other valuables.
• Exclusions: This add-on does not cover wear and tear, mechanical or electrical breakdown, theft by deception, or unexplained disappearance.
• Claims Settlement: Claims are settled based on the replacement cost of the item, subject to the sum insured and the terms of the policy.

Please note that this coverage is available only as an optional add-on to the Allianz Home Protect policy. For full details, including terms and exclusions, kindly refer to the policy wording.

The “All Risks Home Content & Renovation” add-on offers protection for your household items and renovation work done against accidental loss or damage. It covers incidents like fire, theft, water damage, and accidental breakage, whether the items are inside your home or placed outside, such as during a move or renovation. This includes things like furniture, appliances, electronics, and built-in fixtures such as flooring and cabinets. The coverage is broad, meaning it protects against unexpected events unless specifically excluded in the policy. It’s ideal for anyone who has invested in home upgrades or owns valuable belongings.

If you purchase the “Worldwide All Risks” additional benefit, this covers loss or damage to your personal belongings occurring anywhere in the world. This is subject to a limit specified in your Policy Schedule.

You can contact the Claims Department at Claims@allianz.sg or +65 6222 1919 as soon as possible and complete a Claim form to assist the claim process. Written proof of the accident such as police report, invoices and all supporting documents must be furnished as proof of claim.

  • Major exclusions
    *Losses and damages involving war and terrorism, radioactivity contamination
    *Damage caused by nuclear weapons, all consequential losses or damages and all losses involving asbestos will not be covered
    *Loss or damage caused by theft and bursting or overflowing water tanks, apparatus or pipes will not be covered for any period over 90 days that the home is unoccupied.
    *Loss or damage caused by sprinkler leakage will not be covered for any period over 30 days that the customer’s home is unoccupied.
    *Please refer to Policy Wording for details of T&C and Exclusions
  • Policy Wording for details of T&Cs and Exclusions
  • Terms and conditions for Allianz Home Protect Plan Promotion

Disclaimer

This webpage is not a contract of insurance and reference should be made to the actual policy for the exact terms and conditions applicable to the insurance policy, which will be sent to you upon acceptance of your application by Allianz Insurance Singapore Pte. Ltd., (“Allianz”). It does not constitute an offer to buy or sell an insurance product or service. It is also not intended to provide any insurance or financial advice. All insurance products described in this webpage are underwritten by Allianz, and they are not products of, nor are they underwritten by Standard Chartered Bank (Singapore) Limited (“SCBSL”).

SCBSL shall not be liable in any manner whatsoever regarding your application or the contract of insurance. In facilitating insurance arrangements or in referring customers to any insurer, SCBSL is acting in alliance with the insurer and not as an agent for customers. You may wish to seek advice from a licensed or an exempt financial adviser before making a commitment to purchase this product. In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should carefully consider whether this product is suitable for you.

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 Allianz or visit the GIA or SDIC websites. (www.gia.org.sg or www.sdic.org.sg).

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