Thick black smoke rising into the sky. Angry orange flames licking the windows. A scene of a HDB flat on fire is never easy to watch, because of how densely populated our estates are. We hate to imagine the number of people at risk and the homes affected by a blaze.

Fire insurance can be a literal lifesaver if a fire breaks out, but did you know it only covers part of the damage? It helps pay for repairs to things like walls, floors, electrical wiring, and water pipes. But what about your furniture, appliances, and personal belongings? Keep reading to find out what fire insurance does not cover and why you might need extra protection!

How to check for HDB fire insurance

Despite its basic coverage, we feel it’s also important for homeowners to understand more about HDB’s fire insurance policy.

It’s compulsory for flat owners with outstanding HDB loans to buy and renew fire insurance. If your flat has been fully paid up, fire insurance is optional. But with 5-year premiums ranging from only $1 to $8, we highly recommend renewing it. For comprehensive coverage, you’ll need both fire insurance and home insurance.

Things your HDB fire insurance won’t cover

1. Home Renovations and Built-in Fixtures

Your customised kitchen cabinets, upgraded flooring, and built-in wardrobes are not covered by HDB fire insurance. The policy only reinstates original HDB fittings.

2. Personal Belongings and Valuables

Items such as furniture, electronics, jewellery, and personal belongings are excluded from HDB fire insurance coverage. In the event of a fire, replacing these can be costly without adequate home insurance.

3. Alternative Accommodation Costs

If a fire renders your home uninhabitable, basic fire insurance won’t cover temporary housing expenses. A comprehensive home insurance plan typically includes financial support for such situations, ensuring peace of mind during displacement.

4. Damage to Neighbouring Properties (Third-Party Liability)

Should a fire originating from your unit damage neighbouring properties, you could be held liable for repairs. HDB fire insurance does not cover third-party liability, potentially leaving you responsible for substantial compensation.

5. Damage Due to Burst Pipes and Water Leaks

Water damage from burst pipes or leaks can be a pricey nightmare, soaking your floors, ruining your walls, and even messing with your electrical systems. Unfortunately, basic fire insurance usually won’t cover these unexpected mishaps, meaning the repair costs fall on you. That’s where a solid home insurance plan steps in, keeping your home and your wallet protected from surprise water disasters.

6. Household Appliances

Did you know that unattended cooking is one of the leading causes of household fires in Singapore? If a kitchen fire breaks out, it could damage your stove, oven, and even appliances like your washing machine. The bad news? Basic fire insurance won’t cover these losses, leaving you to replace them out of pocket. Protect yourself with the right coverage so a small mistake doesn’t turn into a costly disaster.

7. Repairs and Reinstatement Costs

Fire insurance will not cover the replacement of broken mirrors or fixed glass (such as those on walls or furniture), nor will it pay for professional fees if you need to engage architects, engineers, or other experts to assess damage and reinstate your home after an incident. These are typically claimable only under comprehensive home insurance.

How to protect your home and everything in it

So, why do you need more than just HDB fire insurance? To ensure you’re protected against a wide range of unforeseen events, such as lightning strikes, explosions, third-party liability, break-ins, burst water pipes, riots, malicious damage, and even natural disasters.

Did you know that Tiq Home Insurance starts from as low as $28/year? We provide emergency cash allowance within 24 hours to help you cover your daily essentials and alternative accommodation should your house become uninhabitable due to any of the events described above.

For plans that are 3 years or more, you’ll also enjoy 24/7 emergency assistance for four common household issues: electrical faults, lockouts, plumbing problems, and pest control. Get an instant quote today!

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Information is accurate as at 10 March 2021. This policy is underwritten by Etiqa Insurance Pte. Ltd. (Company Reg. No. 201331905K). Protected up to specified limits by SDIC (excluding Personal Cyber Insurance).

This article was updated on 29 April 2025.

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