» Enhanced Home Insurance
ntuc logo  
Enhanced Home Insurance

What it covers

Building structure
We cover damages to building structure, fixtures, and fittings, based on HDB or the property developer’s standard specifications.

We cover damages to renovations[1] which includes improvements and additions to fittings and fixtures made within the premises.

Home contents
We cover losses and damages to physical and movable household items or personal belongings[2]. This includes money and valuables kept within the premises belonging to you or your family members.

Personal accident and medical expenses
In the event of death or permanent disability due to an accident within the premises, we pay up to a total of $50,000 for you and your family members who permanently live with you at the premises. We also compensate for medical expenses incurred due to an insured event.

List of Insured Events

1. Fire, lightning or explosion.

2. Being hit by a road vehicle, train, animal, flying object or aircraft which you or your family members do not own or control.

3. Actual or attempted theft, as long as force and violence are used to get into or out of the premises. You must not leave the premises unoccupied.

4. Bursting or overflowing of domestic water tanks, apparatus or pipes in your premises (but not damage to water tanks, apparatus and pipes, and expenses for tracing the source of the leak). The premises must not be left unoccupied.

5. Hurricane, cyclone, typhoon, windstorm, earthquake or volcanic eruption.

6. Flood caused by water overflowing or escaping from its normal channels. This includes flood caused by the sea, windstorm, bursting or overflowing of public water mains or any other flow or build-up of water coming from outside the building structures.

7. Riot, strike or malicious acts.

For full coverage information for HDB homes and Private Homes, Click here

Download Brochure  
» HDB Homes  
» Private Homes  


Insmart (Insurance) Agency
Contact Us
Our Products
Car Insurance
Travel Insurance
Home Insurance
Commercial Risks
Car Repair
Call Us
 (65) 6842 1050
Email Us


Copyright © 2021. Insmart (Insurance) Agency Pte Ltd. All Rights Reserved.