HomeCare

Section 1: building &/or renovations and improvements

Section 1: building including renovations and improvements (fire & extraneous perils) : insures against loss of or damage to renovations, improvements, fixture and fittings caused by fire, lightning, explosion, earthquake, volcanic eruption, bursting or overflowing of domestic water tanks and pipes, flood, windstorm, typhoon, burglary, malicious damage, strikes, riots, civil commotion, impact by aircraft or other aerial devices, falling trees, road vehicles, landslip and/or subsidence due to flood, accidental breakage of fixed glass on doors, windows, partitions, cabinets, or walls.

Section 2: contents (all risks): insures on an all risks basis against accidental loss of or damage to home contents and personal effects.

Section 3: personal and family liability: compensation for accidental death or injury to insured, spouse and their children the coverage is provided worldwide on a 24-hour basis.

Section 4: personal accident: compensation for accidental death or injury to insured, spouse and their children the coverage is provided worldwide on a 24-hour basis.

Section 5: emergency home assistance : in the event of an emergency at home, the policy pays up to s$100 per event for emergency repairs and services (e.g. locksmith, electrical, plumbing, air-conditioning, pest control, etc) arranged through liberty helpline at (+65) 6636 1131 (24-hours). Up to 2 events per policy period.

Loss or damage to domestic servants’ property

Loss or damage to visitors’ personal effects

Deterioration of food and drinks following breakdown of refrigerator

Cost of temporary additional domestic help following accident at home

Loss or damage to contents whilst in the open but within building boundary

Payment of conservancy charges or management fees in event building is uninhabitable

Denial of access following damage to neighbouring premises

Compensation following imposition of home quarantine order by public authorities

Accidental death/theft of pedigree pet

Cost of removal of debris

Fire extinguishing expenses

Loss of rent or additional expenses for alternative accommodation when building is uninhabitable

Loss or damage to contents caused by professional movers during home removal

Loss or damage to awning, blinds and signs

Replacement/repair of home security system, locks and keys following break-in

Replacement of title deeds

Architects’, surveyors’ and legal fees

Capital additions

Cost of temporary protection

Additional costs in compliance with statutory regulations

Cover for contracting buyer up to completion of sale

Continuation of coverage whilst building is undergoing alterations and repairs

• Sections 1 and 2 of the Policy are on First Loss Basis.
• First Loss Basis: Total compensation payable for loss/damage due to an insured peril will be up to the total insured value regardless of actual values of the lost/damaged items.
• Premises situated on road level or basement is subject to an excess of S$2,500 each and every loss in respect of flood claims.
• Premiums above include prevailing GST.