HDB Fire Insurance
Official Insurer for the HDB Fire Insurance Scheme
Why do you need HDB Fire Insurance?
Mandatory insurance
Homeowners with HDB loans commencing on or after 1 September 1994 are required to buy and renew HDB Fire Insurance every 5 years, for the entire loan period.
Covers damages to building structure
Covers damage caused by fire to the building, structures, fixtures, and fittings provided by HDB and its approved developers.
Extended benefits
Includes extension to cover fires in adjoining properties and water damage from burst pipes.
Optional enhanced home content insurance
Boost coverage for your home contents and renovation by adding on Tiq Home Insurance.
Premiums & Coverage
| Flat Type | Premium for 5-year Term (Includes GST) | Sum Insured (Effective 16 August 2024) |
|---|---|---|
| 1-Room/Community Care Apartment | $1.11 | $37,900 |
| 2-Room/2-Room Flexi/ Studio Apartment | $1.99 | $57,000 |
| 3-Room | $3.27 | $83,300 |
| 4-Room/S1 | $4.59 | $117,000 |
| 5-Room/S2/3Gen | $5.43 | $144,800 |
| Executive/Multi-Generation | $6.68 | $176,700 |
| Flat Type | Premium for 5-year Term (Includes GST) | Sum Insured (Effective 16 August 2024) |
|---|---|---|
| 1-Room/Community Care Apartment | $1.11 | $37,900 |
| 2-Room/2-Room Flexi/ Studio Apartment | $1.99 | $57,000 |
| 3-Room | $3.27 | $83,300 |
| 4-Room/S1 | $4.59 | $117,000 |
| 5-Room/S2/3Gen | $5.43 | $144,800 |
| Executive/Multi-Generation | $6.68 | $176,700 |
What does HDB Fire Insurance cover?
It is compulsory for flat owners with HDB housing loan to buy HDB Fire Insurance. Please note that it only covers the internal building structures, fixtures and fittings provided by HDB and its approved developers, but excludes household contents, renovation and personal belongings. You may enhance your coverage with Tiq Home Insurance.
| HDB Fire Insurance | Tiq Home Insurance | |
|---|---|---|
| Building structures, fixtures and fittings
Provided by HDB and its approved developers |
✓ | ✓ |
| Renovations Renovations made in your HDB are covered for damaged by insured events |
✕ | ✓ |
| Home Contents Covers your household items and personal belongings |
✕ | ✓ |
| Worldwide Personal Liability | ✕ | ✓ |
| 24-hour Emergency Home Assistance
For electricity, locksmith, pest control and plumbing services |
✕ | ✓ |
| Emergency Cash
Allowance of up to S$5,000 within 24 hours in the event your home is uninhabitable |
✕ | ✓ |
Extending Protection Beyond HDB Fire Insurance
Claim Process
In the event of a claim, please call our 24 hours helpline: 9695 1338 or 8218 8521.
Frequently Asked Questions
The HDB Fire Insurance Scheme was introduced 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 caused by fire and extraneous perils. It does not include home contents such as furniture, renovations and personal belongings.
Etiqa Insurance Pte. Ltd. is the appointed insurer from 16 August 2024 for the HDB Fire Insurance Scheme. HDB Fire Insurance is valid for a 5-year period, and renewal is done once every 5 years.
Find out more.
HDB Fire insurance covers fire damage to building structures, fixtures, and fittings provided by the HDB or its approved developers.
Tiq Home insurance offers a wider coverage as follows:
- loss or damage to home contents and renovations including the cost of removing debris
- emergency cash allowance which can be used for alternative accommodation expenses and pay for basic necessities such as food, clothes, transport
- accidental breakage of mirrors and fixed glass
- any legal liability for the loss or damage you accidentally cause
- home assistance services such as electrical, plumbing, locksmithing, and pest control (for 3 or 5 year plans only)
To find out more about HDB Fire insurance and Tiq Home insurance, you can refer to:
It is compulsory for flat owners with an outstanding housing loan with HDB to buy HDB Fire Insurance.
For New and Resale Flat owners: Prior to your key collection date or otherwise advised by HDB.
For Renewal of HDB Fire Insurance by Flat owners: When you receive your renewal notice from HDB.
There are a few avenues for you to buy your HDB Fire Insurance. Here are the options:
a. The quickest way to buy HDB Fire Insurance from us is online. You can purchase or renew your HDB fire insurance by visiting our website here.
Information required: HDB scheme account no. / reference no. or your Postal Code and Unit no.
b. Any AXS Kiosk in Singapore or via AXS Mobile App
Information required:
- a copy of the Renewal Notice sent by HDB for barcode scanning, or
- HDB scheme account no. / reference no. or your Postal Code and Unit no.
Download Policy Wording
This policy is underwritten by Etiqa Insurance Pte. Ltd.
This content is for reference only and is not a contract of insurance. Full details of the policy terms and conditions can be found in the policy contract.
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 us or visit the GIA or SDIC web-sites (www.gia.org.sg or www.sdic.org.sg).
Information is accurate as at 13 June 2024.
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