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MSIG Home Insurance

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Summary

MSIG Home Insurance

MSIG’s Enhanced HomePlus plan is suitable for those emphasising maximum coverage over cost. There’s S$1 million in worldwide personal legal liability coverage, up to S$75,000 death benefit (from accidents in the home), emergency cash allowances, and even coverage for fraudulent use of ATM and credit cards taken from your home.

However, while the additional coverage options are great, the maximum coverage for contents and renovation tops out at S$120,000 and S$150,000, respectively. It is one of the more expensive plans on the market, and some might even find the cost too high despite the level of coverage provided. And tenants and landlords might find this plan too inflexible since both renovation and contents coverage are automatically included.

Ultimately, it is a matter of priorities. If having the highest level of coverage possible is of much greater priority than an additional S$100+ in annual premiums, then this might just be the plan for you. After all, we do have a deal for you.

MSIG Home Insurance Promotion: Enjoy 20% off for MSIG Home Insurance and up to $10 PayNow. Valid till 29 Feb. T&Cs apply.

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Features & Benefits:

+ Free personal liability cover of up to S$1 million

+ Offers coverage for both home-owners and tenants, for HDB, condominiums and landed properties

+ Reimburses monetary loss due to fraud or dishonesty of domestic helpers living in your home

+ Alternative accommodation or loss of rent benefit: Covers up to 15% (or a max of S$15,000) of sum assured on buildings

+ Read our full review of the MSIG Enhanced HomePlus - Standard Plan

- Exclusions apply if your home is unoccupied for more than 60 days

- Claims excess applies to each claim for home contents or buildings unless specified

...see more

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Summary

MSIG Home Insurance

MSIG’s Enhanced HomePlus plan is suitable for those emphasising maximum coverage over cost. There’s S$1 million in worldwide personal legal liability coverage, up to S$75,000 death benefit (from accidents in the home), emergency cash allowances, and even coverage for fraudulent use of ATM and credit cards taken from your home.

However, while the additional coverage options are great, the maximum coverage for contents and renovation tops out at S$120,000 and S$150,000, respectively. It is one of the more expensive plans on the market, and some might even find the cost too high despite the level of coverage provided. And tenants and landlords might find this plan too inflexible since both renovation and contents coverage are automatically included.

Ultimately, it is a matter of priorities. If having the highest level of coverage possible is of much greater priority than an additional S$100+ in annual premiums, then this might just be the plan for you. After all, we do have a deal for you.

MSIG Home Insurance Promotion: Enjoy 20% off for MSIG Home Insurance and up to $10 PayNow. Valid till 29 Feb. T&Cs apply.

Product Page Transparency

  • Pays to access additional features

Features & Benefits:

+ Free personal liability cover of up to S$1 million

+ Offers coverage for both home-owners and tenants, for HDB, condominiums and landed properties

+ Reimburses monetary loss due to fraud or dishonesty of domestic helpers living in your home

+ Alternative accommodation or loss of rent benefit: Covers up to 15% (or a max of S$15,000) of sum assured on buildings

+ Read our full review of the MSIG Enhanced HomePlus - Standard Plan

- Exclusions apply if your home is unoccupied for more than 60 days

- Claims excess applies to each claim for home contents or buildings unless specified

...see more

Plans (3)

Slide 1 of 3

MSIG Enhanced HomePlus Standard

From $118.77

ANNUAL PREMIUM

Up to $1,000,000

PERSONAL LIABILITY

Up to $50,000

HOUSEHOLD CONTENT COVERAGE

Up to $57,000

RENOVATIONS & FIXTURES COVERAGE

Add-on option

BUILDING COVERAGE

MSIG Enhanced HomePlus Superior

From $176.55

ANNUAL PREMIUM

Up to $1,000,000

PERSONAL LIABILITY

Up to $80,000

HOUSEHOLD CONTENT COVERAGE

Up to $115,000

RENOVATIONS & FIXTURES COVERAGE

Add-on option

BUILDING COVERAGE

MSG Enhanced HomePlus Ultimate

From $233.26

ANNUAL PREMIUM

Up to $1,000,000

PERSONAL LIABILITY

Up to $120,000

HOUSEHOLD CONTENT COVERAGE

Up to $150,000

RENOVATIONS & FIXTURES COVERAGE

Add-on option

BUILDING COVERAGE

MSIG Enhanced HomePlus Standard

From $118.77

ANNUAL PREMIUM

Up to $1,000,000

PERSONAL LIABILITY

Up to $50,000

HOUSEHOLD CONTENT COVERAGE

Up to $57,000

RENOVATIONS & FIXTURES COVERAGE

Add-on option

BUILDING COVERAGE

📣 SIGN-UP BONUS

Enjoy 20% off for MSIG Home Insurance and S$10 PayNow when you apply NOW!

Valid till 29 Feb 2024. T&Cs apply.

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      About MSIG Home Insurance

      MSIG Home Insurance offers high customisable and flexible cover to cater to different customer needs. And boasts its ‘Free Personal Liability Cover’, which offers free personal liability cover of up to $1 million.

      Coverage offered by MSIG Home Insurance

      Here’s a summary of the coverage and maximum sum insured from MSIG Home Insurance.

      • Home Contents *^+: Sum proposed by insured
      • Replacement of lock and keys*: $250
      • Accidental death of you and your spouse in your home caused by fire or thieves: $15,000 or half of the Sum Insured on Home Contents whichever is lesser and in the aggregate
      • Alternative accommodation or loss of rent: 10% of Sum Insured in Home Contents
      • Buildings including fixtures and fittings*: Sum as proposed by insured
      • Worldwide personal legal liability for you and your family: $1,000,000
      • Liability as a tenant*: $500,000
      • *Excess of $100 each and every claim
      • ^ If any article forms part of a pair or set suite, group or collection, colour, pattern or design, we will pay only for the value of the article and not for any higher value the article may have as part of a pair or set suite, group or collection, colour, pattern or design.
      • + Excludes contact lenses, handphones and pagers.

      Premiums from MSIG Home Insurance

      The minimum premium is $85.60 per policy (inclusive of 7% GST).

      FAQs for MSIG Home Insurance

      1. If I already have some type of fire insurance from HDB or with my bank, do I need to buy separate Home Insurance coverage?

      - Those types of fire insurance coverage typically insure buildings structures, permanent fixtures and fittings only. Home contents and personal belongings may not be covered. MSIG Home Insurance provides cover for the above mentioned plus additional covers such as Special Possessions and liability to your domestic maids.

      2. Are the personal belongings of my domestic maids covered under Home Insurance?

      - The Home Contents section provides cover of up to $500 for personal effects such as clothing and personal items belonging to your domestic maid who lives permanently with you.

      3. How do I make a claim?

      - Contact MSIG Home Insurance’s Claim Department as soon as possible if an incident were to happen. Following that, you must complete a Claim form to facilitate the claim process. Written proof of the accident such as police reports, invoices and all supporting documents must be included as proof of claim.

      Contact MSIG Home Insurance

      • Home Insurance, 24-hour Roadside Assistance: +65 6337 6776
      • Claims, 24-hour Hotline: +65 6827 7660
      • Customer Service Hotline: +65 6827 7602

      Contact us at [email protected] should you require any assistance or spot any inaccuracies.