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: Above benefits are based on Allianz Home Protect Platinum Plan. Terms and conditions and exclusions apply.

How Protection Makes a Difference

Benefit Schedule

  • Silver
  • Gold
  • Platinum
Allianz Home Protect

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:

  • Furniture and home appliances (e.g. leather sofa, hi-fi)
  • Valuables (e.g. jewellery, watches, furs)
  • Money

Basic Sum Insured for Renovations*

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

Additional Benefits

Professional Fees

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

Household Removal

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

Temporary Removal

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

Temporary Storage of Furniture

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

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

Window And Door Replacement

Damage to door or window during commission of a burglary

Domestic Servant’s Property*

Damage to or loss of a domestic servant's personal effects

Home Contracting Works

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

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

Accidental Damage to Fixed Glass And Mirrors*

Cost of repairing, changing or replacing fixed glass and fixed mirrors broken due to accident

Deterioration of Fridge Contents*

Cost of replacing damaged food items stored in refrigerator or freezer

Domestic Servant Fraud Or Dishonesty*

Reimbursement for loss resulting from act of fraud or dishonesty committed by Insured’s domestic servant

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

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)

Section IV – Worldwide All Risks

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

Sublimit:

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

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

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

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

Maximum Benefit in SGD

Silver

$40,000 per year

$6,000 per item

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

$1,000 per year

$60,000 per year

$60,000 per year

$40,000 per event

$6,000 per event

$10,000 per event

$10,000 per event

$250 per event

$500 per event

$2,000 per item

$1,000 per event

$1,000 per event

$500 per event

$500 per event

$2,000,000 per event

N/A

N/A

N/A

Covered under Section I Sum Insured for Home Contents and Renovations

+ $50,000 / + $100,000

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

Gold

$60,000 per year

$7,500 per item

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

$2,000 per year

$90,000 per year

$90,000 per year

$60,000 per event

$7,500 per event

$20,000 per event

$15,000 per event

$500 per event

$1000 per event

$3,000 per item

$1,000 per event

$1,000 per event

$750 per event

$500 per event

$2,000,000 per event

$2,500 per year

N/A

N/A

Covered under Section I Sum Insured for Home Contents and Renovations

+ $50,000 / + $100,000

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

Platinum

$100,000 per year

$15,000 per item

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

$3,000 per year

$150,000 per year

$150,000 per year

$100,000 per event

$15,000 per event

$30,000 per event

$25,000 per event

$1,000 per event

$1,500 per event

$5,000 per item

$1,000 per event

$1,000 per event

$1,000 per event

$500 per event

$2,000,000 per event

$5,000 per year

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

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

Covered under Section I Sum Insured for Home Contents and Renovations

+ $50,000 / + $100,000

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

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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 +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 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 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.

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.

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

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.

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 “Additional Sum Insured for Renovation / 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.

  • 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

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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