HomeCare

Safeguarding your most precious investment. Your home.

Singapore is a beautiful and safe place that many locals and foreigners have chosen to call home despite the high cost of living. It is undeniable that setting up home here is expensive whether or not you own the property you live in. Having worked hard to be a homeowner, and it is only natural that you would want to protect it well against any unforeseen accidents. Let HomeCare protect your family and your home, its fixtures, fittings, renovations and contents against loss or damage from such accidents. It is a specially designed policy that combines a comprehensive set of insurance covers under one affordable package.

 

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     Benefits at a Glance

     1. Combines various classes of insurance under one policy
     2. Easy to arrangeCompetitive premium terms
     3. First loss basis
    4. No Claim Discount
    5. 10% of the gross premium for the first renewal
    6. 15% of the gross premium for the second renewal onwards

Summary of Benefits
Section 1: Building &/or Renovations and Improvements
Section 2: Contents (Excess: Please refer to Policy Wordings)
Section 3: Personal and Family Liability / Food & Beverage Extension
Section 4: Personal Accident (S$10,000 per person maximum S$50,000 per Policy)
Section 5: Emergency Home Assistance (S$100 per Event maximum 2 Events)
Type of Coverage
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.
Summary of Extended Coverage
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.

The information provided here is a summary. Please refer to the actual policy wordings for the terms and conditions. More information about HomeCare is available on our website www.libertyinsurance.com.sg.