Learn about insurance
Guides and explainers from our verified advisors. Understand what you're buying — then ask our assistant about specific products.
Homes Advantage explained: benefits, limits and the fine print
AIG's Homes Advantage bundles building, contents and liability cover into package tiers or a custom plan. Here is what the product page states and what to check.
Daniel Lim
HomeVital / HomeMax explained: benefits, limits and the fine print
Sompo sells two home insurance tiers, named-perils HomeVital and all-risks HomeMax. Here is what the published benefits state, and where the two plans actually diverge.
Daniel
Mortgage fire insurance required by banks: what the lender needs
A bank loan on your home usually comes with a fire insurance requirement to protect the building. It is narrower than most owners assume, and it is not the same thing as home contents cover.
Daniel
Personal liability cover inside a home policy
Mandatory HDB fire insurance covers your flat's structure, not the neighbour you accidentally flood. Personal liability cover inside a home policy is what fills that gap.
Daniel
Home insurance and alternative accommodation after a fire
Mandatory HDB fire insurance covers the building, not your belongings or a place to stay. Here is what a home insurance policy adds, including alternative accommodation.
Daniel
Water damage claims: burst pipes, seepage and the neighbour upstairs
A burst pipe, a leaking washing machine or water from the flat above can damage tens of thousands of dollars of belongings. Whether it is covered depends on details most people never check.
Daniel
Tenant's insurance: what renters should cover
The building you rent is someone else's insurance problem. Your belongings, your liability to the landlord and your neighbours are yours. Here is what to cover.
Daniel
Landlord insurance in Singapore: covering a tenanted unit
Mandatory fire insurance on a home loan covers the building, not what happens once you hand the keys to a tenant. Here is what a landlord still needs to check.
Daniel
Contents insurance: valuables, single-item limits and proof of ownership
Mandatory fire insurance doesn't cover what's inside your flat. Here is how contents insurance treats valuables differently from everyday belongings, and what to keep as proof.
Daniel
Renovation and fittings: insuring what the fire policy leaves out
Mandatory HDB fire insurance protects the building structure, not the renovation inside it. Here is what is actually left uninsured after a BTO or resale key collection, and how to close that gap.
Daniel
Home insurance for condominiums: what the MCST policy already covers
Your condo's management corporation already insures the building. Here is the line between what that master policy covers and what is left for your own home insurance to fill.
Daniel
HDB fire insurance vs home contents insurance: two different things
Mandatory HDB fire insurance only protects the building structure. Everything inside your flat needs a separate home contents policy, and many new homeowners find that out too late.
Daniel
Home Protect360 explained: benefits, limits and the fine print
HL Assurance's tiered home contents plan covers contents, liability and alternative accommodation. Here is what the published material says, and what still needs checking.
Daniel