SmartHome Essential offers a wide range of benefits and allows you the flexibility to select a readily packaged plan or customise your own coverage to suit your family needs.

Insure Your Property: Covers loss and damage to your property, fixtures and fittings, and contents due to fire and extraneous perils such as lightning, consequences of a burst pipe, flood and theft by forcible entry.
"New for Old" Cover for Contents: Covers yours contents on replacement basis, without deduction for wear and tear or depreciation.
Loss of Rent or Alternative Accommodation: With your home is being reinstated due to an insured peril, you will be covered for loss of rent (landlord) or cost of alternative accommodation (owner occupier).
Worldwide Personal Liability: Also extends to cover your legal liability arising from your pets mischief and tenant's liability.
Free PA Cover: Receive up to S$50,000 Personal Accident cover for you and your family.
5% Discount and Higher Coverage for 3-year Plan: Sign up for 3 years to receive 5% discount and higher Sum Insured for your fixtures and fittings, contents and worldwide personal liability.
Terms & Conditions
INSURE UP TO THE FULL VALUE: Insure adequately to avoid under-insurance; ‘Building’ cover – up to full cost of reinstatement; ‘Contents’ cover – up to full replacement costs of household goods and personal effects.; ‘Worldwide Personal Belongings’ cover – up to full replacement cost of the items that you are likely to wear or carry with you outside your home.
UNOCCUPIED PROPERTY: The insured property must not be left unoccupied for more than 60 consecutive days.
COMPULSORY COVER FOR BUILDING OR CONTENTS: You can opt to customise your plan according to your family needs. To take note that: Building (Section 1) or Contents (Section 2) cover is compulsory; Minimum premium S$53.50. (inclusive of GST).
RESIDENTIAL USE ONLY: The insured property is to be used as a residence only.
FLOOD PRONE AREA: Properties within flood prone areas are subject to underwriting consideration.

Important Notice

This insurance plan is underwritten by AXA Insurance Singapore Pte Ltd. The information featured in this website is published for general information only and is not a contract of insurance. The precise terms and conditions of the plan are specified in the policy contract. A product summary for the insurance plan is available and may be obtained from AXA Insurance Singapore Pte Ltd and the participating distributors’ offices. You should read the product summary before deciding whether to purchase the plan. You may wish to seek advice from a qualified adviser before making a commitment to purchase the insurance plan. In the event that you choose not to seek advice from a qualified adviser, you should consider whether the plan in question is suitable for you.

The insurance plans featured in this website may be protected under the Policy Owners’ Protection Scheme, which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for such policies are automatic and no further action is required from you should you buy the plan. For more information on the types of benefits that are covered under the Policy Owners’ Protection Scheme as well as the limits of coverage, where applicable, please visit the AXA website at or visit the LIA, GIA or SDIC websites (, or for a copy of the SDIC Guide on PPF Scheme.

Sanction Clause

Under no circumstances shall this insurance contract be deemed to provide cover and no liability be incurred to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose AXA to any sanction, prohibition, or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, UK, USA or Singapore.