Insures against loss of or damage to renovations, improvements, fixtures and fittings caused by

• Fire, lightning, explosion
• Earthquake, volcanic eruption
• Bursting or overflowing of domestic water tanks and pipes (in excess of S$200)
• Flood, windstorm, typhoon (in excess of S$500)
• 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 (in excess of S$10,000 or 10% claim amount, whichever is higher)
• Accidental breakage of fixed glass on doors, windows, partitions, cabinets or walls

Other covers, following a claim:

• Cost of removal of debris
• Fire extinguishment cost
• Loss of rent/cost of alternative accommodation if building is made uninhabitable

Insures on an All Risks basis against accidental loss of or damage to home contents and personal effects in the home including:

• Deterioration of food and drinks in freezer due to its breakdown 
• Damage to contents in the course of removal
• Cost of preparation of new title deed for the insured property
• Cost of replacement or repair of home security system, lock/keys following a break-in
• Loss or damage to visitors’ and domestic helpers’ personal effects
• Cost of temporary domestic help following accident at home
• Accidental death/theft of licensed cat & dog
• Conservancy or management fees if building is made uninhabitable
• Compensation for denial of access to home

Insures against third-party claims for bodily injuries or property damage caused by the Insured or his family while living in the insured premises. Cover includes legal costs and expenses incurred with our written consent.

The coverage is provided anywhere in Singapore and is subject to Singapore jurisdiction.

Compensation for accidental death or injury to Insured, spouse and their unmarried children.

The coverage is provided worldwide on a 24-hour basis.

In the event of an emergency at home, the policy pays up to S$100 per event for emergency repairs arranged through Liberty Helpline at (65) 6636 1131 (24 hours).

• Loss or damage to domestic servant’s 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
• Accidental death/theft of licensed cat & dog
• 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

The information provided here is a summary. Please refer to the actual policy wordings for the terms and conditions.

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 (servicecenter@libertyinsurance.com.sg) or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).