Top Fire Insurance Service Providers in Singapore


Fire Insurance: Definition, Uses

Fire insurance, defined concisely, denotes a specific form of Property Insurance that insures losses or damage incurred, caused by fire.

Many policies inherently contain some versions of fire insurance, still, homeowners might further supplement policies with further coverage in the event property gets destroyed and damaged due to fire.

Buying further fire insurance assists to insure overall costs of repair, replacement, and rebuilding of residences in excess of limits determined by Property Insurance Policies.

Fire Insurance Policies usually exclude certain exceptions inclusive of nuclear explosions, War, or extraordinary disasters.

Overall Implications

Fire insurance refers to property insurance offering further coverage for destruction or damages inflicted upon buildings wrecked or damaged by a fire.

Fire insurance might be capped at strict rates kept to sums totaling significantly less than costs of losses incurred, which might prompt many to secure external, supplementary fire insurance policies.

Such policies compensate the policyholder based on other replacement-cost estimates or the estimated market valuation total for damages.

While certain homeowner’s insurance policies cover fire insurance, these might not adequately insure, protect, compensate certain homeowners.

Fire Insurance: Compensation Procedures

Homeowners insurance covers policyholders with insurance for destruction or wreckage of their residences or belongings, alternatively termed generally as Insured Property.

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Such denotes the general phrase utilized to refer to all interiors or exteriors of insured residences or even more added belongings that are housed within the residential property.

Policies might additionally ensure injuries that one sustains during fire outbreaks onsite.

If one’s house is mortgaged; one stands at great risk of engaged lenders suspending one’s housing loans if one’s property is not yet insured.

In the case that there is no such requirement, it is wise to obtain home insurance. At hand are more versions of coverage one might buy like fire insurance.

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Fire Insurance Service


Specialty Enhanced Home Insurance. Protect your home and its contents from fire, theft, and other damage. Protection for your house building, its contents, and renovations against fire, burst pipes, theft, or more. Coverage if damages are caused to neighboring houses. Protection against accidental death, disability, and specified injuries, rental income loss.

Services: Protection for your house building, contents, renovations against fire, Protection against accidental death, disability, specified injuries

Pricing Require a quotation:
Address 75 Bras Basah Rd, Income Centre, Singapore 189557
Telephone +65-67881777
Opening hours 9 am to 5.30 pm
Review 1 There is security at the entrance to the income centre. Need to bring your identity card plus post-appointment date and time in order to enter.
For the Insurance matter best to see is Ms. Lacey, a professional Customer service officer that can give good advice.
Review 2 The service here was great! The staff is very helpful and you get help with anything you need in a professional and fast manner! First time coming here to make an insurance claim and I was attended to instantly as I reached! Overall a good place!
Review 3 Very knowledgeable Pinoy call center officer. Answer all my inquiries. Vehicle Insurance less benefit and pricey medical expenses insurance.


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Fire Insurance Service


Specialty myHome Protect II – Insurance for Your Home Contents. Protect your home against the unexpected with up to S$350,000 coverage. Fires and burst pipes in homes are not uncommon. You’re covered whether you’re affected by an accident in your home, your neighbor’s. Claim up to S$350,000 on repairs, replacement of belongings.

Services: Fires, burst pipes, S$350,000 coverage, Insurance for Your Home Contents, repairs, replacement of renovations, home contents

Pricing Request a quotation:
Address 68 Orchard Rd, #B1-25 Plaza, Singapore 238839
Telephone +65-1800-1111111
Opening hours 10 am to 5.30 pm
Review 1 Nurjannah was very helpful and professional throughout while assisting me with my banking needs today. Really appreciate her help in being such a service champion! 🙂 Please pass on my regards to her. Customer with cash q 5034, at counter 3.
Review 2 had to come down to put in a credit card application because I had issues doing it online. was helped by Dennis – he was super nice & friendly 🙂 the process was very fast as well! thank you for the smooth experience 🙂
Review 3 I was served with the utmost excellent service by ms Saranya _ she handled all my administrative work so diligently n was very polite _ thank you very much n keep up the good work 20 /5/20 at 14 PM at plaza Singapura branch




Fire Insurance Service


Specialty Most fire insurance offers only basic protection for the structure, permanent fixtures, and fittings of your home in the event of a fire. But your renovation and personal belongings matter too. Simple and affordable home protection. Designed for Singaporeans who appreciate fuss-free protection for the home that you work hard for.

Services: Tiq Home Insurance, Fire Insurance, Third Party Liability: S$500,000, renovation, personal belongings coverage

Pricing Request a quotation:
Address 16 Raffles Quay, Hong Leong Building, #01-04A, Singapore 048581
Telephone +65 6887 8777
Opening hours 8.30 am to 5 pm
Review 1
Is user-friendly to purchase a policy online! The product I bought has great benefits n reliable too. Responsive n friendly customer service 👍👍
Review 2 Kudos to the staff who patiently attended to all my enquiries and requests! Great job!
Review 3 Excellent Portal Easy to apply for and get insurance.

Also, the Portal offers options to chose the benefits we want at competitive rates

However, we would like to see insurance for up to 3 years like many other competitor portals




Fire Insurance Service


Specialty Need a simple home coverage or one that covers your special possessions or extra valuables? This insurance plan is highly customizable, so you are free to pick and choose the elements that are most important to you. They protect you with free personal liability cover of up to $1 million.

Services: Home Insurance, special possessions, extra valuables, home coverage, free personal liability

Pricing Request a quotation:
Address 4 Shenton Way, #21-01, Singapore 068807
Telephone +65-68277602
Opening hours 8.45 am to 5.30 pm
Review 1 Many thanks to Rosalind Wong, Senior Executive for Claims for handling my case. She has great sensitivity with regard to my recent bereavement. Rosalind has a pleasant personality and has good communication skills. I really appreciate the efficiency and flexibility that she has in an exercise to help settle my claims.
Review 2 My kids were covered under the MSIG accident plan and the claims were all done online. No questions asked and cheque received promptly. Keep up the good work!!
Review 3 convenient location. friendly and helpful staffs




Fire Insurance Service

Great Eastern Life Insurance

Specialty HomeGR8 Essential covers you for loss or damage to your Building, Renovation, and Home Contents due to Fire or Insured Perils. And there is no penalty for underinsuring and cover up to the maximum sum insured. Fire, theft, and insured perils cover with the optional top-up. No penalty for underinsuring.

Services: Fire, Insured Perils, loss, damage to your Building, Renovation, Home Contents, Fire, theft

Pricing Request a quotation:
Address 1 Pickering St, #01-01 Great Eastern Centre, Singapore 048659
Telephone +65-62482000
Opening hours 9 am to 5.30 pm
Review 1 Alexander Ngaserin is my first financial consultant and I want to thank him for explaining everything to me clearly and helping me plan my financial life out.

As a confused millennial, there are many options we can undertake for our finances and it can be very confusing.

However, Alex made it easy and clear for me to understand what and why I was purchasing something. It was within my monthly budget and he is patient and very knowledgeable in explaining all the details of the plans I was purchasing.

He has my best interests at heart and recommends what he thinks is ideal for me. No hard-selling! I highly recommend his services and have introduced my friends to him.

Review 2 Selvam is the best insurance assurance manager I have ever known. He knows exactly what you need and is always on his toes with your investments. Call him for all the insurance needs you can really trust him. He has been in the business for more than 20 years.
Review 3 If you are looking for an excellent premium health policy, seek no more as Great Eastern will be the one to choose from. They provide good and efficient service. Glad that my agent is also a very responsive and responsible person. Highly recommended!




Fire Insurance Service


Specialty Whether you are a homeowner or a tenant, get protection for your home contents, incidental expenses, and workmanship guarantee with FWD Home insurance. They cover any damages to your home contents or house-building if they are damaged in a fire caused by a personal mobility device (PMD), power bank.

Services: Personalized Home Insurance, damages to your home contents, house building, burst pipes, fire

Pricing Request a quotation:
Address 6 Temasek Blvd, #18-01 Suntec Tower, Four 038986
Telephone +65-6820 8888
Opening hours 9 am to 6 pm
Review 1 Tracy from the Customer Engagement Team provided excellent service and attended to all my needs using both live chat and personal call functions. She was able to resolve my issue quickly and efficiently. Kudos! Best Customer Service I’ve come across so far!
Review 2 Had been with FWD for my motor insurance since they came abroad many years back.

Prompt and very customer-centric service from Tracy( Customer Engagement Team).

2 thumbs up and highly recommended

Review 3 I would like to compliment Krissy from the customer engagement team who was very helpful in providing speedy advice and assistance in my best interest. Thank you!




Fire Insurance Service


Specialty Their plans build on your HDB Fire Insurance, adding coverage for your renovated items, furniture, valuables, and even personal liability for you and your immediate family. The cost of repairing your home and replacing the contents within your home can be substantial. They pay claims up to S$95,000 for damage.

Services: Enhanced Public Housing Contents Insurance, Renovated items, fixtures, fittings, furniture, personal effects, valuables, Temporary accommodation

Pricing Request a quotation:
Address 78 Shenton Way, #09-16 AIG Building, Singapore 079120
Telephone +65-64193000
Opening hours 9 am to 5 pm
Review 1 AIG is selling Premium Insurance however they are providing LOW-QUALITY SERVICES as I have purchased a new car and I was required to purchase Car Insurance from AIG however after a week I am not receiving any Original Policy till this morning I received an email from AIG and asking to preview file by login with 6-Digits Postal Code and ensure 6 Spaces.
Review 2 They’re is a nice cost Starbucks cafe there. AIG has great insurance products.
Review 3 Good work environment




Fire Insurance Service


Specialty Building Cover: Up to S$3,000,000 coverage on the internal building structures and standard fixtures and fittings. Fixtures, Fittings & Renovation (FFR) Cover. Coverage for loss or damage to home improvements and additional fixtures or fittings. Loss of Rent or Alternative Accommodation: Up to S$15,000 coverage when your home is uninhabitable.

Services: S$3,000,000 coverage, Fixtures, Fittings & Renovation (FFR) Cover, internal building structures, standard fixtures, and fittings

Pricing Request a quotation:
Address 8 Shenton Way, #24-01 AXA Tower, Singapore 068811
Telephone +65-68804888
Opening hours 9 am to 5.30 pm
Review 1 Called the general line to enquire if there is any outstanding payment for my car hire purchase loan. Was attended by an excellent customer service agent (Jake). Explained clearly the status, and even gave me a follow-up call. Best customer service I’ve received from an insurer to date.
Review 2 Nice work culture. Awesome office and colleagues.
Review 3 I have a policy premium due which is to be paid through CPF on 1st March. I asked for an extension to mid-march because of not enough funds in my Cpf a/c. I sent an email n faxed.  They still require the original document by post.  I’m making a trip to the office now.  sigh.  In this age n time,  still, need snail post. So far my experience with their customer service this morning is still ok.



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Fire Insurance Service


Specialty 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, their 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.

Services: First-loss basis, Up to S$100,000 Household Contents coverage, 15% off three-year home plan, Seamless claims experience with Pay Now, Emergency cash allowance, home cleaning expenses

Pricing Request a quotation:
Address 4 Shenton Way, #01-01 SGX Centre, Singapore 068807
Telephone +65-68277988
Opening hours 8.45 am to 5.30 pm
Review 1 Worked in Aviva as a Vendor for an onsite project. The entire experience was wonderful. The management takes good care of the employees and made us feel one among them. Frequent team lunches, gatherings, and activities promote inclusive diversity of individuals working from various parts of the globe. There is a lot of respect for different cultures and faith.
Review 2 So far so good! Happy with the 2 savings policies I have with Aviva as I feel the returns are competitive. Out of convenience, I also tend to use Aviva for travel insurance whenever I travel – the purchase process is very simple and straightforward.
Review 3 Had a great claim experience under the Group Insurance policy I have with Aviva. Customer Service Exec was extremely helpful and helped with a letter of guarantee which resulted in cashless hospitalisation. All in all, they did what they suppose to do – paid my claim!




Fire Insurance Service

Tokio Marine

Specialty This policy covers your property against loss, damage by these occurrences:



Limited explosion

For an additional premium, coverage may be extended to these risks:

Aircraft damage, Impact damage

Burst or overflow of water tanks, pipes

Malicious Damage

Removal of Debris

Public Automatics Requirements

Architects, Engineers & Surveyor’s Fees

Services: Fire, Lightning, Explosion caused by the gas used for domestic purposes, Burst or overflow of water tanks, apparatus or pipes, Malicious Damage

Pricing Request a quotation:
Address 20 McCallum St, Singapore 069046
Telephone +65- 6221 6111
Opening hours 9 am to 5.30 pm
Review 1 I had transferred funds for my motor car insurance to Tokio Life Insurance. The Tokio Life Insurance refunded my funds promptly.
Review 2 Efficiently process my car insurance claims
Review 3 Office building in Tanjong Pagar, easily accessible and within walking distance to many office buildings within the CBD and Tanjong Pagar.




Fire Insurance Service


Specialty Do you need fire insurance, home insurance, or both? Every fire insurance policy is different, but you can expect to see most plans cover your home’s exterior and fittings, typically excluding your home’s interiors, such as:

renovation work

household contents

personal injury claims

third-person liability

money, watches, art

alternate accommodation

Services: Fire insurance, home’s exterior, fittings, home’s interiors, household contents

Pricing Request a quotation:
Address 50, #01-03 Raffles Place, Singapore Land Tower, 048623
Telephone +65-1800-4722669
Opening hours 9.30 am to 5 pm
Review 1 I would like to compliment an officer, Ms. Syarifah who patiently listened to my enquiry and assisted me promptly.
I had a nice experience at this new HSBC outlet.
Review 2 Despite all the negative reviews, I went to this branch to close my account, on a Friday at 2 pm. Well, I was nicely welcomed and waited less than 5 minutes before being assisted by Sarah at the counter, who was very nice, polite, and effective. Nothing negative to say about my experience there
Review 3 Beautiful location. Amazing staff and customer service, not sure why the bad reviews. Please respect your fellow human beings there. 😉




Fire Insurance Service


Specialty InsureHome: It is recommended for homeowners, tenants of HDB, condominium or landed properties who want to protect the contents of their home, or the renovation carried out in their home. InsureHome is a home content insurance plan that covers the items in your home in the event of the unexpected.

Services: Coverage on home contents, renovations, Coverage on legal liability as a homeowner, tenant, Up to S$500,000, One-stop emergency home assistance

Pricing Request a quotation:
Address 10 Bukit Batok Central, Singapore 659958
Telephone +65-1800-2222121
Opening hours 24/7
Review 1 Friendly staff willing to help
Review 2 good service
Review 3 helpful and always smooth transactions. 👍




Fire Insurance Service

Standard Chartered

Specialty Protect contents of your home against perils such as fire and theft, with Allianz Home Protect. Underwritten by Allianz Insurance Singapore. Coverage for your home and its contents, up to $250,000 per year. The maximum Sum Insured for Home Contents is up to $100,000 per year. Valuables, $10,000 / year.

Services: Allianz Home Protect, Accommodation Allowance, Personal Liability, $250,000 per year, Interior Decoration/ Home Improvement coverage of up to $150,000 per year, Interior Decoration/ Home Improvement coverage of up to $150,000 per year

Pricing Request a quotation:
Address 6 Battery Rd, Singapore 049909
Telephone +65-67477000
Opening hours 10 am to 5 pm
Review 1 I have had a great experience banking with Standard Chartered bank. Their app is easy to use too. I also appreciate that they have had the chance to work with Standard Chartered bank where they assist to organize free corporate wellbeing events for companies. Supersalary account has no minimum balance needed which is a plus.
Review 2 Staff service was excellent.
Review 3 very very good




Fire Insurance Service


Specialty Fire & Insured Perils: Safeguard your commercial property against named perils such as fire, flood, lightning, explosion, and more. Fire and insured perils insurance is written on an annual basis. Comprehensive commercial property coverage for your physical assets against damage and loss caused by unforeseen perils. Property risk insurance annually.

Services: Fire, Insured Perils, flood, lightning, explosion, property coverage

Pricing Request a quotation:
Address 5001 Beach Road #08-43 Golden Mile Complex Singapore 199588
Telephone +65- 6656 3626
Opening hours 9 am to 6 pm
Review 1 Very happy with the service provided by AKGI. The team is very committed and customer-friendly.
Review 2 AKGI and Alison were fantastic in their service. Super responsive and great communication. Would highly recommend it!
Review 3 Ms. Alison is the one! She has outstanding people relations skills. She is a great coordinator and listener. Super pleased with her services! We will not hesitate to recommend Alison to our friends or anyone that needed to purchase insurance.

Thank you so much, Alison!




Fire Insurance Service


Specialty Protect the things closest to your heart with GreatHome. GreatHome complements your existing fire insurance by providing coverage for your valuable contents in your home against accidental loss, burglary, and more. Covers home dwellers against any accidental damage or bodily injury caused to a third party, for up to S$1,250,000.

Services: GreatHome, fire insurance, valuable contents insurance, S$1,250,000 in personal liability, accidental loss, burglary

Pricing Request a quotation:
Address 9 Bishan Pl, #02-08/09 Bishan Bus Interchange, Singapore 579837
Telephone  +65-1800-3633333
Opening hours 11 am to 7 pm
Review 1 Overall good experienced at this brand, staffs are very attentive, make sure we are in the queue with safety distancing, the personal financial consultant William Tan is friendly & helpful, he tries to understand our need and give us his personal opinion and suggestion.
Review 2 On 28th Sep 2020, after a fall somewhere in Junction 8, our elderly dad still made his way to the OCBC Junction 8 Branch; claiming he has lost his OCBC credit/debit card and NRIC.

The staff are observant and have paid special attention to him. They assisted him professionally and with patience, respect and care. His problems were solved and Ms. Belinda Tan, a Service Officer has gone the extra mile to check on his injuries and physical condition.

The staff at the OCBC Junction 8 Branch have put the needed work in to provide exceptional customer service: a caring attitude in general about assisting people.

We’re very impressed with their customer’s service and would recommend this bank for anybody who is looking for a company who has your back and best interest at heart. Thank you all of you there!!! You rocks!💪👏❤

Review 3 The staff was incredibly helpful and friendly, very patient at explaining the processes involved, and resolved my issues quickly.
Thanks, guys! (Didn’t get your names but the dude at counter 6 and lady at the front y’all rock 👍🏼)




Fire Insurance Service


Specialty If you are the owner of a fine home or valuable content, you may seek solid insurance. Chubb’s Masterpiece® policy is world-renowned, specifically tailored to cover your home and valuable possessions. Chubb is known for being expert in Home & Contents insurance globally, offering outstanding cover and world-class claims service.

Services: Extended Replacement Cost Coverage, Cash Settlement Option, Your Choice of Craftsmen, Replacement Cost on Contents, Worldwide Cover for Accidental Loss and Damage

Pricing  Request a quotation:
Address 28 Teban Gardens Cres, Singapore 608926
Telephone +65-62928421
Opening hours 9 am to 6 pm




Fire Insurance Service


Specialty Wrap your household in the protection it deserves with AIA Elite Home Care, a one-stop home insurance solution for your home, your family, and even your pets. With protection that follows you wherever you go, you can rest assured knowing that we have you well and truly covered, fire insurance.

Services: Home insurance solution, fire insurance, coverage for home, your family, and even your pets

Pricing Request a quotation:
Address 1 Robinson Rd, AIA Tower, Singapore 048542
Telephone +65-1800-2488000
Opening hours 8.45 am to 5.30 pm
Review 1 I am not a direct customer of AIA but my company brought insurance for all the employees. I have benefited from the AIA alliance scheme and they are usually quite comprehensive with the claims and coverage. The Helpdesk agent is quite helpful with the response if I have any queries on the company helpline. When I email them they also provide very useful advice for my claims and such.
Review 2 Highly recommend Isabelle Oh. She’s very prompt in response and even at claims. Gives good advice 🙂
Review 3 Insurance is a necessary evil, you can’t live without it but what is the point if you cannot make a claim when the need arises. Considering how expensive it can be to visit the Pediatrician, I bought the AIA Star Protector Plus for my 2 kids. It has been 4 years.

The claim process has been smooth, if it is a claimable illness, I will request a doctor’s memo, attach the bill with which AIA will do its due diligence on the medications dispensed before making reimbursement.




Fire Insurance Service


Specialty myHome Protect II – Home Contents Insurance Plan. Protect your home against fire with S$350,000 coverage. Fires and burst pipes in homes are not uncommon. You’re covered whether you’re affected by an accident in your home or your neighbor’s. Claim up to S$350,000 on repairs or replacement of your renovations, belongings.

Services: S$350,000 coverage, repairs, replacement, renovations, belongings insurance, protection, Fires, burst pipes

Pricing Request a quotation:
Address 144 Upper Bukit Timah Rd, Singapore 588177
Telephone +65-1800-3396666
Opening hours 24/7
Review 1 I like the service there..their staff is helpful & willing to teach me how to download the bank app. I forgot to ask her name. The Next trip will ask her name
Review 2 I would like to compliment and extend my sincere thanks to Ms. Fiona Niam for her great customer service and patiently explained the procedure regarding cashier orders through online transactions. Thank you, Fiona
Review 3 Miss Rugaya at the counter, pleasant and helpful throughout my visit to the branch!




Fire Insurance Service


Specialty Mortgage protection helps to ensure the repayment of your outstanding mortgage loan in the event of death and other prescribed conditions. This way, you can be assured that your mortgage loan is taken care of. Provides lump sum benefit to help pay off your outstanding mortgage loan in event of death.

Services: Mortgage protection, the event of death, outstanding mortgage loan, home insurance, fire insurance, mortgage insurance

Pricing Request a quotation:
Address 23 Church St, #01-01, Singapore 049481
Telephone +65-62255225
Opening hours 24/7
Review 1 I have funds in a US Citibank account that I wanted to transfer without conversion but my local account is obviously in SGD so I needed to open a USD account. Jared Ong, a very professional, knowledgeable, and friendly front staff, told me about Citibank Global Wallet, helped me with the whole setup, as well as easily answered any questions I had, making the whole process super smooth and such a breeze!
Review 2 Great Service!
Review 3 Best bank in Singapore




Fire Insurance Service


Specialty Enjoy comprehensive protection for your property and treasured assets under one roof. Coverage on buildings, renovations, fixtures, fittings. Get S$200,0001 in coverage for buildings, renovations, fixtures, and fittings. Get reimbursed with up to S$100 when you get emergency help for services: locksmith, plumbing, electrical, air conditioning, pest control, household referral.

Services: Coverage on buildings, renovations, fixtures, fittings, plumbing, electrical, air conditioning

Pricing Request a quotation:
Address 50 Raffles Place, #01-02 Singapore Land Tower, Singapore 048623
Telephone +65-63337777
Opening hours 9 am to 4.30 pm
Review 1 The best SGMY rate so far and I can transfer back to my CIMB account in Malaysia instantly with no charges. +1
Review 2 Excellent and professional service. No queue and done in 20min. Thanks.
Review 3 Quick service due to its relatively small customers based in Singapore. Service staff at the counter are usually friendly and helpful.


Fire insurance insures the policyholder for fire wreckage or damages inflicted through many possible fatal origins igniting fiery outbreaks.

Such cover fires ignited, breaking out because of electric trips, like faulty wires or gas leaks, and even more outbreaks inflicted by lightning or natural disasters.

The collapsing or bursting water cistern or piping might additionally get insured via insurance policies.

Many policies offer coverage excluding considerations of whether fires were ignited from within or without the property façade.

Overall restrictions to coverage vary according to the origins of ignited fires.

The policy compensates each policyholder alternating between the replacement-cost basis or with Actual Cash Value (ACV) grounds over the wreckage.

Supposing the residence is considered irreparably, irrevocably damaged, engaged insurance services might even reimburse the built residence’s costs at the prevailing Market Value.

Such insurance usually offers a Market Value reimbursement over ruined belongings, holding the full compensation limited, estimated according to the home’s prevailing value.

Supposing, to consider, if policies insure the residence for $350,000, the building is often insured for a minimal 50% to 70% of the policy Value—alternately, the stretch of $175,000 to $245,000.

Most policies restrict amounts that reimbursement ensures luxury items inclusive of artwork, watches, jewelry, or luxury fashion.

Exclusive Considerations

The policyholder must double-check the home’s valuation every annum to see if the need arises, emerges to expand the amount insured.

The policyholder may not obtain insurance that exceeds the residence’s market value.

Insurance companies could provide Stand-Alone policies for rare, pricey, or exclusive objects which are usually not covered within regular fire insurance.

The conventional homeowner’s insurance policies cover insurance over a fire, still, these might not remain adequate cover for certain homeowners.

Supposing an insurance policy excludes insurance coverage for fires, the homeowner might have to buy distinct fire coverage—particularly if the building contains expensive objects which are not insured by ordinary coverage.

Engaged insurance company’s liability gets restricted by insurance policy value with no consideration of degrees of wreckage or ruin wrought by fires on the building owner.

Fire insurance offers supplementary coverage to balance all extra costs to repair or replace buildings that exceed the restrictions determined by homeowners’ coverage.

Fire insurance policies offer compensation for the damage to the habitability of the building as a result of the fire or over more living expenses brought about by uninhabitable surroundings or further damage to individual possessions or adjacent buildings.

Homeowners must document, photograph property regularly containing internal belongings to ease, facilitate the evaluation of objects wrecked or ruined during the outbreak of fire combustion.

The fire insurance policy extends more insurance for smoke or water wreckage caused by fire, also it extends protection extending over one year.

Fire insurance policies nearing the date of expiration are often renewable by the homeowner, with similar, parallel terms under the old policy.

Fire Insurance for HDB dwellers

Flat owners with HDB loans commencing on or after 1 September 1994 must buy or renew the HDB fire insurance over your homes, extended as long as you hold an existing HDB loan.



The HDB Fire Insurance Scheme was started to help relieve flat owners of the financial burden of repair work in the unfortunate event of a fire.

The HDB fire insurance covers the cost of reinstating damaged internal structures, fixtures, as well as areas built and provided by HDB.

It does not include home contents such as furniture, renovations, and personal belongings.

The current appointed insurer for the HDB Fire Insurance Scheme is FWD Singapore Pte. Ltd and the insurance are valid for a 5-year period; renewal is done once every 5 years.

From 16 August 2019 to 15 August 2024, the 5-year premiums (including 7% GST) are as follows:

Flat Type  5-Year Premium (Including 7% GST) Sum Insured
1-room $1.62 $29,000
2-room/ 2-room Flexi $2.71 $48,700
3-room $4.87 $60,400
4-room/ S1 $5.94 $82,000
5-room/ S2/ 3-Generation $7.13 $97,300
Executive/ Multi-Generation $8.10 $106,200
Studio Apartment (Type A/ B) $2.71 $48,700

Purchasing or renewing your HDB fire insurance

Flat buyers or existing owners with expiring HDB fire insurance may buy or renew your policy at FWD’s website. Renewal may also get registered at all AXS kiosks.

Or you might visit FWD’s office at 6 Temasek Boulevard, #18-01 Suntec Tower Four, Singapore 038986 (Temporarily closed until further notice), or mail a check made payable to ‘FWD Singapore Pte. Ltd’ at the mentioned address, along with the filled form.

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About the Author

Tom Koh

Tom is the CEO and Principal Consultant of MediaOne, a leading digital marketing agency. He has consulted for MNCs like Canon, Maybank, Capitaland, SingTel, ST Engineering, WWF, Cambridge University, as well as Government organisations like Enterprise Singapore, Ministry of Law, National Galleries, NTUC, e2i, SingHealth. His articles are published and referenced in CNA, Straits Times, MoneyFM, Financial Times, Yahoo! Finance, Hubspot, Zendesk, CIO Advisor.


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