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Get 25% off your first year premium and a complimentary lightweight portable fire extinguisher when you purchase a plan by 31 Dec 24. T&Cs apply.

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Get 25% off your first year premium and a complimentary lightweight portable fire extinguisher when you purchase a plan by 31 Dec 24. T&Cs apply.

Overview

Protect the content of your home against perils such as fire and theft, with Allianz Home Protect. Underwritten by Allianz Insurance Singapore Pte. Ltd.

Allianz Home Protect
Maximum Benefit (SGD)
Silver Plan Gold Plan Platinum Plan
Section I: Loss or Damage to Home Contents

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.

$40,000 per year $50,000 per year $100,000 per year
The maximum cover for:

-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
Additional Benefits
Interior Decoration / Household Improvement*

Household improvements including improvements and betterments on walls, windows, ceiling, floors and doors

$60,000 per year $75,000 per year $150,000 per year
Household Removal

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

$40,000 per event $50,000 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*

Home is damaged and rendered uninhabitable by accidents

$200 per day

30 days per event

$300 per day

30 days per event

$400 per day

30 days per event

Window / 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 $1,000 per event $1,500 per event
Home Contracting Works

Damage or loss 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

$250 per event $500 per event $750 per event
*Claims payable under these benefits shall be in addition to the basic sum insured of Home Contents.
Section II: Personal Liability
Personal Liability

Any claim made against you for bodily injury or property damage resulting from negligence by you or your family members

$500,000 per event $750,000 per event $1,000,000 per event
Optional Benefits
Section III – Home Appliance Accidental Protection

Accidental loss or damage to Home Electronic Appliances

-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

n/a $2,500 $5,000
Section IV – Worldwide All Risk

Loss or Damage of Personal Effects

Sublimit:

-Loss of Personal Documents

-Loss of Personal Money

-Unauthorised Use of Credit Card

 

n/a $1,500 per item up to $5,000 per event

$600 per event

$600 per event

$1,000 per event

Premium Table (before discount and inclusive of 9% GST)

Premium rates are inclusive of 9% GST.

Note: Premium billed or paid on/after 1 January 2024 will be based on 9% GST.

ANNUAL PREMIUM (SGD)
SILVER
GOLD
PLATINUM
Base Premium $98.10 $153.69 $277.95
Optional – Home Appliance $29.43 $55.59
Optional – Worldwide All Risk $58.86
MONTHLY PREMIUM (SGD)
SILVER
GOLD
PLATINUM
Base Premium $8.18 $12.81 $23.16
Optional – Home Appliance $2.45 $4.63
Optional – Worldwide All Risk $4.91

Allianz Home Protect Product FAQ

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

  • 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.

  • 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 1800 222 1818 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 customer’s home is unoccupied. All other losses occurring while the home is unoccupied are covered.

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

  • If you purchase the Worldwide All Risk option, 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.

  • 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.

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

  • 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 SG$100 of every claim will be paid for by the Customer, except in respect of Water damage (SG$200 or 5% of loss, whichever greater), household removal (SG$250) and landslip & subsidence (SG$10,000 or 10% of loss, whichever greater). Please refer to the Policy Wording for more information.

  • You can contact the Claims Department at Claims@allianz.com.sg or 1800 222 1818 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.

Important Notes

    • 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

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).