Insurance - Home Contents Insurance

Why is Home Contents Insurance worthwhile?

  • Household Contents are insured on All Risks, including accidental damage or loss!
  • We cover your Family Personal Liability up to S$500,000 any one accident including legal expenses.
  • Flexible choice of payment - Monthly or Yearly.
  • Emergency Home Assistance Referral Hotline.
  • Optional Covers on Personal Effects covers loss or damage to your jewellery and/or valuables within anywhere in Singapore up to S$70,000 sum insured!

Call xxx to apply now!
(Mondays to Fridays, 9 a.m - 6 p.m excluding Saturdays, Sundays and Public Holidays)

What the Home Contents Insurance Covers

Section What our Home Contents Insurance Covers - Summary Maximum Amount Covered (S$)
HL Contents 100 HL Contents 200 HL Contents 250 HL Contents 300 HL Contents 400
1 All Risks Cover Household Contents, Renovation, Fixtures and Fittings against fortuitous, unforeseen and unintended damage or loss caused by external means, other than a deliberate act of the Insured On First Loss Basis Subject to an Excess of S$350 each and every loss (not applicable to Loss or Damage by Fire, Lightning or Theft by forcible entry and exit) 100,000 200,000 250,000 300,000 400,000
2 Loss of Money kept in locked drawers or safe due to Theft by forcible and violent entry or exit 1,000 1,500 1,500 2,500 2,500
3 Replacement of Locks and Keys due to Break-in 1,000 1,500 1,500 2,000 2,000
4 Spoilage of Food and Drinks in refrigerators or freezers due to Malfunction of the refrigerator or freezer 1,000 1,000 1,000 1,000 1,000
5 Accidental Damage to Fixed Glass and Mirror in the Insured premise Subject to an Excess of S$200 each and every loss 2,000 3,500 3,500 5,000 5,000
6 Family Personal Liability Against any legal liability for accidental property damage or loss or accidental death of or bodily injury caused by negligence of the Insured anywhere within the Republic of Singapore Subject to an Excess of S$500 each and every claim 500,000 500,000 500,000 500,000 500,000
7 Expenses incurred on Removal of Debris, dismantling or demolishing, shoring up or propping of the property insured 10,000 15,000 15,000 20,000 20,000
8 Fire Extinguishing Expenses 5,000 5,000 5,000 5,000 5,000
Annual Premium (Before 7% GST) 240 420 504 588 756
Monthly Premium (Before 7% GST) 20 35 42 49 63
9 Personal Effects (Optional Cover) On Valuables and Personal Effects of the Insured and/or family members including clothing, jewellery, watches and camera equipment within the Republic of Singapore Subject to Valuables per item not exceeding S$2,500 and an Excess of S$350 each and every claim 20,000 50,000 50,000 70,000 70,000
Additional Annual Premium (Before 7% GST) 180 456 456 636 636
Total Annual Premium (Before 7% GST) 420 876 960 1,224 1,392
Additional Monthly Premium (Before 7% GST) 15 38 38 53 53
Total Monthly Premium (Before 7% GST) 35 73 80 102 116

Emergency Home Assistance Referral Services Hotline

As long as you are our HL Home Contents policyholder, you can call our Emergency Home Assistance Hotline at 6922 6009 to request for a service referral for plumbing, locksmith, pest control, air-conditioning, electrician or even home cleaning services.

Who can apply

All HL Bank customers.

For full details of the policy coverage terms, conditions and exclusions, please refer to the policy documents.

This plan is underwritten by HL Assurance Pte Ltd.

Information correct as at 25 December 2014.

Policy Owners’ Protection Scheme

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the following websites: