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Home Insurance Fire Coverage | Protect Your Home in Singapore

Home Insurance | Insurance
by Priyadarshini 24 May 2022

Purchased home insurance policy in Singapore? Do you know what your home insurance covers in case of a fire? In this blog, we tell you about home insurance fire coverage in Singapore.

The following are some of the most common causes of house fires in Singapore:

  • Cooking when unattended
  • Fires caused by electricity
  • Household items, particularly personal mobility devices (PMDs)
  • Fires in the garbage chute

At this rate, it is critical to discover a better approach to defend your home. In Singapore, neither fire nor comprehensive home insurance is required. The only exception is HDB fire insurance, which is required for HDB flat owners who are still paying off their HDB loan. Having comprehensive home insurance, on the other hand, is one of the finest ways to protect your property from fire occurrences. In fact, it provides superior protection to most fire insurance policies.

Are you wondering how? Let’s look at several home insurance coverage features that aren’t covered by fire insurance.

Home Insurance Fire Coverage

Fire Insurance Coverage for Your Home

A fire insurance policy in Singapore will only cover structural damage in the event of a fire. Meanwhile, home insurance can cover the contents of your home, adjacent flats, and even lives lost in the fire.

The following are some of the most popular house insurance policy benefits in the event of a fire:

Your home insurance policy will cover anything from your television to your beloved collection of shoes. The term “home contents” refers to all of your possessions in the house. This policy stipulates:

  • Furniture
  • Appliances for the home
  • Kitchenware and cutlery
  • Bathroom and sanitary equipment
  • Clothing and footwear
  • Jewellery
  • Personal papers and cash
  • Antiques, booze, instruments, and other special collections

Personal Liability

Fires spread swiftly and can easily spread to neighbouring homes. As a result, if the fire started in your unit, any damage caused to your neighbours will be your responsibility. Fortunately, such damages are covered by a house insurance policy.

Personal Accident

This coverage benefit covers you, your family, and your domestic help in the event of a fire-related death or permanent disability.

Pets

While this benefit is not included in all insurance policies, it can be purchased as an add-on. Keep in mind that this usually only applies to specific breeds of dogs and cats.

Renovations

It is not uncommon for damage to extend beyond the basic structure of a home during a fire. In such instances, a home insurance policy will cover any necessary renovation work in addition to structural repairs.

Emergency Cash Allowance

This allowance will allow you to acquire critical necessities if the fire has rendered your home uninhabitable.

Alternative Lodging

In some situations, a home may be rendered uninhabitable as a result of major fire damage. In such circumstances, your insurer will cover the cost of substitute housing for a set number of days while your property is being renovated.

Home Insurance Fire Coverage – Debris Removal

Because of the property damage, there will be a substantial amount of debris once the fire is extinguished. A house insurance coverage will cover the cost of clearing fire-related debris.

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Tags:
fire coverage
home insurance
Singapore
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