{"id":11827,"date":"2022-09-15T07:51:00","date_gmt":"2022-09-14T23:51:00","guid":{"rendered":"https:\/\/www.99.co\/blog\/singapore\/?p=11827"},"modified":"2022-10-22T16:02:53","modified_gmt":"2022-10-22T08:02:53","slug":"buying-home-insurance","status":"publish","type":"post","link":"https:\/\/www.99.co\/singapore\/insider\/buying-home-insurance\/","title":{"rendered":"Buying home insurance: 5 things you need to know"},"content":{"rendered":"
<\/div>\n

When you\u2019re forking out a large sum of money to purchase, renovate and furnish your home, it can be tempting to remove home insurance from your list of must-haves in order to shave off the additional cost. <\/span><\/p>\n\n\n\n

But is this the best of ideas? Definitely not \u2013 experts recommend that you get some sort of coverage, however minimal, so that you won\u2019t be left unprotected in the case that an accident does occur at home.<\/span><\/p>\n\n\n\n

HDB Fire Insurance scheme vs Home insurance<\/b><\/h3>\n\n\n\n

You might be thinking: <\/span>wait a minute, aren\u2019t I already covered under the mandatory HDB Fire Insurance scheme?<\/span><\/i> That\u2019s true, but what many homeowners don\u2019t know is that the Fire Insurance scheme only covers damage to the physical structure of the flat – it doesn\u2019t allow you to recover any cost attributed to your renovation work and\/or home furnishings.<\/span><\/p>\n\n\n\n

So let\u2019s say there\u2019s been a fire at home (touch wood)! A homeowner who\u2019s only covered under the HDB Fire Insurance scheme can only claim for the losses related to the physical structure of the flat. <\/span><\/p>\n\n\n\n

A homeowner who\u2019s covered under an enhanced home insurance scheme, on the other hand, will be able to claim for losses related to the physical structure, renovation works, physical household items and personal belongings. Bearing in mind that <\/span>16 buildings in Singapore have recently been found to have cladding that does not adhere to fire-safety standards<\/span><\/a>, we think it\u2019s better to err on the side of caution.<\/span><\/p>\n\n\n\n

Types of home insurance available<\/b><\/h3>\n\n\n
\n
\"home<\/figure><\/div>\n\n\n

Home insurance policies are typically classified as either Insured Perils Policies or All Risks Policies. The former provides homeowners with coverage against losses from a specified list of incidents such as fire, explosion, theft by forcible entry, natural disasters, and the like. The All Risks Policy, on the other hand, affords homeowners with wider coverage, and is applicable to all scenarios with the exception of certain pre-determined exclusions. <\/span><\/p>\n\n\n\n

What type of losses can be claimed under home insurance?<\/b><\/h3>\n\n\n\n

As a general rule of thumb, insurers will not reimburse homeowners for losses related to damage caused by insects, damage inflicted during renovations, intentional and wilful harm to your property by family members, and general wear and tear of your home. <\/span><\/p>\n\n\n\n

For those who have jewellery, art, or other expensive items at home, you can purchase home insurance that will cover you against the losses of theft or damage to your valuables. Depending on the specific policy you purchase, there will be a limit as to how much your insurer will pay out in the event of a claim. <\/span><\/p>\n\n\n\n

As a benchmark, Aviva<\/a> offers three home insurance policies (Home Lite, Home Standard and Home Plus) which will pay out a maximum of S$35,000, S$50,000 and S$100,000 respectively for loss of valuables.<\/span><\/p>\n\n\n\n

What is the \u201caverage clause\u201d included in home insurance policies?<\/b><\/h3>\n\n\n
\n
\"home<\/figure><\/div>\n\n\n

If your home insurance policy comes with an \u201caverage clause\u201d (also known as underinsurance), this means that your payouts are subject to the value of your property (as opposed to the amount you\u2019ve insured it for). <\/span>This means that if your insurer discovers that the sum insured on your policy is less than the actual value of your contents or the rebuild cost of your property, your payout might be reduced when you file your claim.<\/p>\n\n\n\n

The clause exists to ensure customers accurately declare the true value of their contents and property, so that they pay the correct premiums.<\/p>\n\n\n\n

This can get a little confusing, so here\u2019s an example to help illustrate the point:<\/span><\/p>\n\n\n\n

For example, the value of your residential property is S$1,400,000, but you\u2019ve insured it for S$1,000,000. If you\u2019ve suffered S$600,000 worth of losses due to whatever reason, your insurer will <\/span>not <\/span><\/i>pay out the full sum of S$600,000, under the average clause. <\/span><\/p>\n\n\n\n

Under the clause, your insurer would only pay out 50% of the S$600,000 losses claim (S$300,000), because you were only insured for, say, half (50%) of the total value.<\/p>\n\n\n\n

The insurer was, in effect, only getting half the premiums they should have been receiving from you to fully cover your contents. So consequently, you\u2019ll only receive half the amount of your claim.<\/p>\n\n\n\n

Is home insurance expensive?<\/b><\/h3>\n\n\n\n

Similar to life insurance plans, the premiums you\u2019ll have to pay for your home insurance will climb in accordance with the insured amount and claim limits. That having been said, it\u2019s not costly to get a basic plan from a provider such as NTUC income. <\/span><\/p>\n\n\n\n

If you\u2019re looking at home insurance for HDB flats, NTUC Income\u2019s yearly premium for their Standard plan ranges from S$35 to S$75 based on the size of your flat; if you\u2019re living in private property, you can expect to pay between S$121 to S$355 for your Standard plan.<\/span><\/p>\n\n\n\n

You\u2019ve already spent so much <\/span>time, effort and money on renovating and furnishing your home<\/span><\/a> \u2013 so it\u2019s worth it forking out that extra amount to make sure that you\u2019re protected in the case of an accident. <\/span><\/p>\n\n\n\n

\n\n\n\n

What type of home insurance did you buy? Let us know in the comments section below.<\/h2>\n\n\n\n

For more information on home insurance, be sure to check out our article, <\/span>5 things about home insurance we\u2019re sure you didn\u2019t know<\/span><\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

When you\u2019re forking out a large sum of money to purchase, renovate and furnish your home, it can be tempting to remove home insurance from your list of must-haves in order to shave off the additional cost. But is this the best of ideas? Definitely not \u2013 experts recommend that you get some sort of…<\/p>\n","protected":false},"author":36,"featured_media":61168,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"59689,32178,50577,7924,48409,31035","_relevanssi_noindex_reason":"","_lmt_disableupdate":"","_lmt_disable":"","_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[53593,53589,57131],"tags":[],"persona":[57126],"class_list":{"2":"type-post","11":"entry","12":"has-post-thumbnail"},"acf":[],"yoast_head":"\nBuying home insurance: 5 things you need to know - 99.co<\/title>\n<meta name=\"description\" content=\"When home insurance is concerned, you're better off erring on the side of caution. 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