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7 Things you don’t know your home content insurance covers

Your home is more than just a physical structure of four walls. It’s a place to relax, enjoy and spend quality time with your family and friends. It’s a place where you are surrounded by things which you love. What if you lose the things which you have collected in years? You might need a coverage for what you lost.

As the name suggests, a Home Content Insurance provides cover of loss or damage to the household items and things belonging to you, your family or your pets due to unforeseen events like fire, flood, natural disasters, burglary, explosion or any kind of malicious activity of an outsider.

The average Singaporean household probably spends thousands of dollars on renovation costs. So, to save yourself from the exorbitant costs, it’s worth having a right coverage that can protect the stuff of your homes like furniture, electronics, gadgets, precious jewellery, expensive rugs, your clothes and shoes.

However, there are a few things which you might have not thought that Content Insurance can cover:

#1 More Than Just Contents of the Home

Your family, including your pets, are covered under the home contents insurance. Another aspect of a home contents policy provides a family with accidental death protection. It covers you, your spouse or children from an accident in the home. Unfortunately, you may suffer from severe injuries that may lead to death. A good Home Contents Insurance Policy provide some level of coverage here as well.

It covers accidental death or theft of your pet and damage caused by your pet to a third-party property. For example, if unfortunately, your pet accidentally dies during a burglary attack in your home, compensation can be claimed.

#2 Temporary Accommodation Expenses

If your home is severely damaged and becomes unfavourable to stay, the Home Content Insurance will provide the financial support for a temporary accommodation in a hotel or a serviced apartment, while your home is being renovated after a covered incident or event.

#3 Your Glass Wall is also Insured

In case any of your fixed glass, mirrors or light fittings get damaged accidentally, you can claim costs to get them replaced.

#4 Damage or Loss of Belongings of Your Household Help and Guests

In case you have a guest staying over and something valuable, say a gold ornament of hers is stolen from the house. These things are also covered by your Home Contents Insurance (you have to opt for them at the time of buying the coverage).

#5 Protection Against Personal Liability and Rent

If you accidentally cause damage to your neighbour’s property, then the medical expenses or property damage can be covered under the Home Content Insurance.

Also, if you are a landlord, and your tenant escapes after causing damage to your personal property without paying the rent, then the insurance will provide you the reimbursement for the loss of rental income.

#6 Bicycle

If you have invested in a good bicycle, and your bike have got stolen or damaged from your home premises, then you can easily claim for it under your Home Content Insurance. It is applicable to your or your family’s bike.


#7 Groceries in Your Refrigerator

Most comprehensive content home insurance plans in Singapore cover the contents of your freezer/ refrigerator or chiller from getting spoiled because of a power outage caused by bad weather, lightning, temperature fluctuation, or a technical problem at your home.

Insurance companies usually approve such claims when you haven’t been home for a few days, say when you are on a vacation, rather than when you have been at home all the time.


*The advice offered in this column is intended for informational purposes only and not intended to replace or substitute for any professional, financial, legal, or other professional advice. If you have specific concerns or a situation in which you require professional help, you should consult with an appropriately trained and qualified adviser.



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