Home insurance
Up to 56% off, use promo code HOME20 + free higher tier plan upgrade for MINDEF & MHA or POGIS policyholders
Get a quote Product summaryCover for your home and its contents
Protect the things you love at home from S$69.40* with our home insurance. For greater peace of mind, personalise your coverage with our add-ons to suit your needs and preferences.
*Based on 1 year plan before promotion.
Up to S$100,000 Household Contents coverage
Starting from S$211.30*, our Home Plus plan provides you the highest coverage.
*Based on 1 year plan before promotion.
15% off three-year home plan
Instant savings on your Home Insurance premiums when you purchase our three-year plan.
Seamless claims experience with PayNow
Receive your claims payout via PayNow.
First-loss basis*
No penalty for under-insurance.
*There is no penalty if you have under-declared/did not declare on the total value of sum insured of your home contents.
Emergency cash allowance
Helps to relieve some cost for essential needs.
Home cleaning expenses
Provides peace of mind in the event of infectious diseases outbreak.
In case you're wondering, our Home Insurance is separate from the HDB Fire Insurance Scheme.
Who needs Home Insurance?
Whether you’re a property owner or renting a place, home insurance is non-negotiable.
Homeowner
Protection for your family’s personal possessions and home renovations
Aside from covering your home renovations and furnishings from events like a fire outbreak or flooding, our Home Insurance also covers your family’s legal liability as a result of accidents in your home – even if they occur when you’re not there. For instance, if your kitchen stove explodes while you’re overseas and your neighbour files a lawsuit against you for damages to their property, we’ll take care of the costs.
Landlord
Covers loss of rental income and provides emergency cash for your immediate needs
Renting out part of or your entire home can be a source of additional income, but accidental damage to your property can render it uninhabitable. In the event of a mishap like a fire outbreak, our Home Insurance covers loss of rental earnings and provides emergency cash that you can use for essentials. The sooner your property is made safe to live in again, the sooner you can earn rental income from it again.
Tenant
Covers alternative accommodation and worldwide family liability
Whether you’re single, married or have children, you and your family deserve a roof over your head even if your rented apartment becomes unfit to live in. Our Home Insurance pays for temporary accommodation costs should the rented place be affected by mishaps – whether they occur while you’re in the apartment or overseas. We’ll also cover claims made against you for damages caused by accidents in the apartment.
Did you know? You can enjoy extra protection when you sign up for Aviva’s Home Standard and Home Plus plans.
Utilities Bill Relief
Worried about not being able to pay your bills while you’re picking up the pieces following an unforeseen event? We’ll help you through this period so you can focus on the things that matter.
Breakage of Fixed Glass
Cases of accidental shattered glass in homes have been reported in the past. With our Home Insurance, you’ll have peace of mind in the event of unintentional glass breakages.
Home Cleaning Expenses*
If you’re faced with unexpected disinfection expenses because someone at home has an infectious disease, we’ll reimburse you so you don’t have to worry about straining your budget while you keep your home safe.
*Only applicable for Home Plus plan.
What does our Home Insurance cover?
How much household contents coverage you need depends on how much it would cost to replace each of the items you care most about. Make sure to get add-ons to cover your precious belongings.
Home Lite
From fire to theft, we insure you against these perils that might happen within your property.
- 24/7 Emergency home assistance
- Household contents
S$35,000 - Valuables (sub-limit of Household Contents)
S$10,500 (aggregate)
S$1,750 (per article) - Renovation, fixtures & fittings
S$75,000 - Removal of debris
S$5,500 - Family worldwide liability
S$250,000 - Alternative accommodation costs or loss of rent
S$12,0001 - Loss of contents temporarily removed
S$5,000 (aggregate)
S$500 (per article) - Emergency cash allowance
S$500 - Medical expenses
S$1,000
Home Standard
Be reimbursed for your missing cash due to theft or burglar cases.
- 24/7 Emergency home assistance
- Household contents
S$50,000 - Valuables (sub-limit of Household Contents)
S$15,000 (aggregate)
S$2,500 (per article) - Renovation, fixtures & fittings
S$100,000 - Removal of debris
S$7,500 - Family worldwide liability
S$250,000 - Alternative accommodation costs or loss of rent
S$12,0001 - Loss of contents temporarily removed
S$5,000 (aggregate)
S$500 (per article) - Emergency cash allowance
S$750 - Medical expenses
S$2,000 - Utilities bill relief
S$1,000 - Accidental fixed glass breakage
S$500 - Loss of personal money or credit cards
S$500
Home Plus
Maximum household contents coverage and protection for your domestic pet.
- 24/7 Emergency home assistance
- Household contents
S$100,000 - Valuables (sub-limit of Household Contents)
S$30,000 (aggregate)
S$5,000 (per article) - Renovation, fixtures & fittings
S$100,000 - Removal of debris
S$10,000 - Family worldwide liability
S$250,000 - Alternative accommodation costs or loss of rent
S$12,0001 - Loss of contents temporarily removed
S$5,000 (aggregate)
S$500 (per article) - Emergency cash allowance
S$1,000 - Medical expenses
S$3,000 - Utilities bill relief
S$1,000 - Accidental fixed glass breakage
S$1,000 - Loss of personal money or credit cards
S$1,000 - Home cleaning expenses
S$500 - Loss of personal papers
Includes replacement costs if any
S$500 - Accidental death of domestic pet
S$500
The essential cover for all our home plan
- Personal legal liability
Any legal actions taken against you arising from accidental injury or accidental loss of or damage to property that you're responsible for. - Alternative accommodation
If your home is damaged by any of the insured perils we define in our policy and as a result becomes unhabitable.
The insured perils
The main perils that we cover against loss or damage to your home contents and any home improvements (renovations):
- Bursting or overflowing of water pipes or household apparatus
- Earthquake & lightning
- Explosion
- Fire
- Flood
- Riot
- Strike or civil commotion
- Theft
- Vehicle impact
Footnote
Household contents that we cover
Your personal belongings are important, to be sure it's claimable, make sure that your items are all documented with proof of purchase and receipts.
| Contents with coverage up to S$100,000 such as: | • Audio & visual equipement • Camera • Crockery & utensils • Clothes • Domestic appliances • Furniture • PC & laptop |
Contents with coverage up to S$5,000 per item such as: | • Jewellery • Watches |
Add-ons for extra protection
Need enhanced coverage? Consider these add-ons when you purchase our home insurance plan.
All Options Package
All of the riders at a discounted price!
Bicycle / Personal Mobility Device
Cover up to S$300 for loss or damage to your bicycle or personal mobility device.
Replacement Locks
Cover up to S$500 if keys to the lock are lost or stolen.
Family Cyber Risk Protector
Cover up to S$3,000 for actual loss as a result of identity fraud and up to $3,000 for dispute with online retailer.
Family Personal Accident
Cover up to S$50,000 for you and your family worldwide and up to S$3,000 for the necessary cost of modifying your home to aid mobility due to accidental injury.
Food In Freezers
Cover up to S$500 for loss or damage to food stored in a freezer.
Save 20% on all your premiums
Enjoy greater savings when you're insured with Aviva home insurance. Valid until 31 May 2021.
Are you a MINDEF/MHA policyholder?
You can now save up to 56% on your home insurance premiums! Simply check if you're eligible for it when you get a quote.
Insure your home today
There's no place as comforting as home. Protect it from the unexpected with our comprehensive plans.
How to make a claim
Notify us by phone before you engage any contractors and make sure to submit your claim within 7 days of the incident or as soon as reasonably possible.
Download your claim form here
Submit your claim form via email with the necessary attachments to us if there are no original documents required.
Original documents means medical / purchase receipts. We will keep you informed should we require original documents beyond receipts.
Return it to us by email
Make sure to include any supporting documents, such as police reports or receipts.
To submit original documents, post it to us at this address:
Aviva Home Insurance Claims, Aviva Ltd.,
4 Shenton Way, #01 - 01 SGX Centre 2,
Singapore 068807
Got a question? Call us.
We'll respond quickly
Wait for our acknowledgement email or call within 2 working days from the time we receive your claims submission. If we need further information, we'll get in touch within 30 working days.
Once your claim is approved, an email will be sent to you. Your claims payout will be paid via PayNow within 1 to 2 business days.
Make sure that your PayNow account is registered under your NRIC in order to receive the payment successfully.
Otherwise, the bank will mail you a physical cheque.
Got any questions?
Do I qualify for Aviva Home insurance?
What is the difference between Home Lite, Home Standard and Home Plus?
What type of household contents am I covered for?
Can I pay by monthly instalments?
What is your emergency home claims helpline?
Contact us
Customer service hotline
General enquiry hours:
Mondays to Fridays 8:45 – 17:30
Weekends and public holidays Closed
Claim enquiry hours:
Mondays to Fridays 8:45 – 18:00
Emergency Home Assistance
Available 24 hours daily