Minimum Net Total Premium
Terms & Conditions:
It is a home insurance with customizable protection level for homeowners, landlords and official tenants across HDB, Condominium and Landed Property in Singapore. Multi-year plans from 1, 3 and 5 years are available.
You can get a quote and purchase directly from us online. If you have any questions, feel free to call our Customer Care hotline at 6887 8777.
It is recommended for homeowners or tenants of HDB, Condominium or Landed property, legal age of 18 years and above, who want to protect building, renovation and home contents.
Please share the following information:
Upon successful application, the cover takes effect immediately from the date of the coverage reflected on your policy schedule. There is no waiting period.
When you complete the purchase, you will get a confirmation message on your screen. At the same time, you will receive confirmation via SMS and email. If you do not receive an SMS or email from us within one hour, please call us at 6887 8777.
You will receive the following documents via email:
You have fourteen (14) days from the date you receive the policy to exercise the free look, but we hope you will stay with us. Premiums paid will be fully refunded, if a claim has not been made under the policy.
If no claim has been made, you can get a pro-rated refund for the balance period of the coverage. However, if a claim had been made, no refund can be given.
Tiq Home Insurance premium is payable as a lump sum basis depending on your selected term of coverage. We do not offer instalment payment plans for Tiq Home insurance.
Yes, we need to be informed. Please log in to TiqConnect to access the policy to submit a ‘Change the Policy’ request or email us at email@example.com. This will enable us to protect you adequately because any address change may affect the level of cover you have, which in turn may affect your premium.
Please log in to TiqConnect to update your details or email firstname.lastname@example.org immediately, as any wrong information may affect claim payment.
Home contents and renovations are usually not covered by a basic fire insurance plan. To ensure comprehensive coverage, a home contents and renovation insurance such as Tiq Home Insurance would be ideal to complement the basic home insurance you may currently have.
It is advisable to check the coverage and inclusion of the management corporation’s fire insurance. Generally, this only extends to the building structure and the common areas, and may not include the inner shell of your home.
Yes, as long as you are a Singapore citizen, Permanent Resident of Singapore or foreigner with a valid Work Pass, Student Pass, Dependant’s Pass or Long-Term Visit Pass, who is a homeowner, landlord or tenant for a Singapore residential property.
You may write in to us at email@example.com or via TiqConnect.
Yes, you may do so for 1,3 and 5 year plans via this form.
|BENEFITS||HOMEOWNER / LANDLORD||TENANT|
|HDB||CONDOMINIUM / LANDED|
|Building*||$19,300 – $98,200||$300,000 – $2,000,000||Not available|
|Renovation*||$20,000 – $180,000||$100,000 – $1,000,000||Not available|
|Contents*||$15,000 – $120,000||$50,000 – $150,000||$15,000 – $120,000|
|Emergency Cash Allowance||$5,000||$500|
|Emergency Home Assistance
(applicable for plans of 3 years or more)
|$200 and up to 4 times per year||$200 and up to 4 times per year|
|Personal Legal Liability (Worldwide)||$500,000||$1,000,000||$500,000|
|Valuables||30% of Content Sum Insured||30% of Content Sum Insured|
|Removal of Debris||10% of Renovation Sum Insured||Not Available|
|Professional Fees (New)||10% of Building and/or Renovations Sum Insured||Not Available|
|Conservancy Charge||$500||Not Available|
|Unauthorised transactions on your stolen ATM or credit card||$1,000||$1,000|
|Accidental Breakage of Mirrors and Fixed Glass (New)||$1,000||Not Available|
|Money (New)||$750||Not Available|
|Multi-appliances Home Protector||$700 and up to 2 times per year||Not Available|
|Accidental Injury for Pet due to Insured Peril||$500, with excess of $80||Not Available|
|Family Accidental Death Protection||$50,000||Not Available|
Building shall mean fixtures and fittings attached to the building (not including the foundations) and all other domestic improvements of a structural nature at the Premise and for which you are legally responsible.
Improvements and additions to your home in the form of fixtures and fittings. These can include flooring, built-in wardrobes, kitchen cabinets, installed lighting, mirrors, fixed glass and more.
Home contents mean all movable household items and personal effects belonging to you and your household but excluding:
You are covered for the following Insured Events/Perils:
Tiq Home Insurance will cover the damage if the root cause is due to the following:
Bursting or overflowing of domestic water tanks, apparatus or pipes from within the property insured or containing property insured but excluding damage thereto and loss or damage occurring whilst Your Home is left unoccupied for more than sixty (60) days.
As this is not part of the list of Insured Events listed in the policy wording, it is not covered under Tiq Home Insurance.
Yes, you can choose the amount of coverage you want for building, home contents, and renovation. There are also add-on options to suit your preferences.
Contact us at 9695 1338 or 8218 8521 in the event your home is uninhabitable due to an insured peril. This hotline is available 24 hours, 7 days a week including weekends and public holidays. A loss adjuster will be engaged to your location and approval will be within 24 hours of your notification to us. Emergency Cash Allowance payment will be credited to your Etiqa TiqConnect e-wallet which you can encash out via PayNow. Should the occurrence happen during the weekend or a Public Holiday, payment will be made on the next business day.
There is no restriction on what you can use the Emergency Cash Allowance for. Once your house is deemed uninhabitable due to an insured peril, you may use it to arrange for alternative accommodation, transportation, food, clothes, etc… No further questions asked.
It is a complimentary benefit offered with purchase of 3 to 5-year Tiq Home insurance. A one-stop end-to-end service that is offered 24/7 to assist in major emergency repairs – plumbing, electricity, locksmith and pest control issues. You get covered up to $200 per event and up to 4 events per year.
|Service||What’s covered||What’s not covered|
|Locksmith Assistance||If you are locked out of your home or you have a broken key stuck in the lock, you can contact our 24 hour EHA hotline to arrange for a locksmith to assist you at your home.||This service is not applicable if you are locked out of the bedroom in your home|
|Plumbing Assistance||If your home has a clogged water supply or drainage system, or there is a leak in the water pipe(s), you can contact our 24 hour EHA hotline to arrange for a competent plumber to attend to and repair the problem.||
|Electrical Assistance||In the event of a blackout due to lightning and circuit overload in your home or power supply circuit malfunction, you can contact our 24 hour EHA hotline to arrange for a competent electrician to attend to and repair the problem.||Failure or malfunction of electrical appliances like televisions, refrigerators, rice cookers, ovens, water heaters, etc.|
|Pest Control Services||If your home is infested with pests such as bees, wasps, hornets, rodents and termites, you can contact our 24 hour EHA hotline to arrange for a pest control service to remedy the situation.||Services made within the first three (3) months from the inception date of cover and the service does not cover recurring terminate infestation|
If you experience any of the 4 emergencies stated above, call our 24 hour hotline 6702 2662 and our customer service officer will walk you through your situation. He will arrange for the appropriate tradesman to attend to your home. For repairs under $200, we will pay directly to the tradesman so there is no need for you to make any claims. Should the repair cost more than $200, you will be informed upfront before the tradesman attends to your home. Watch this video to see how it works.
You are covered for personal legal liability and we will help you to compensate your neighbour for accidental death, loss or damage of property, legal cost and expenses up to the policy limits.
Yes, you are covered for the legal liability you suffer as a tenant for landlord’s buildings, renovation and contents.
We only cover up to a maximum of $1,000 per item (excess of $100), and up to S$200 for works of art, paintings, antiques, etc, subject to the limits of the plan.
|Cover||Share that you are responsible for in the event of a claim|
|Building||$300,000 (Amount you are under-insured by)
$500,000 (Full reinstatement cost as at date of loss)
|$300,000/$500,000 = 60%|
|Renovations||$100,000 (Amount you are under-insured by)
$200,000 (Full reinstatement cost as at date of loss)
|$100,000/$200,000 = 50%|
|Contents||$40,000 (Amount you are under-insured by)
$50,000 (Full replacement cost as at date of loss)
|$40,000/$50,000 = 80%|
If there is a damage of $100,000 to your building, $50,000 to your renovations and $10,000 to your contents, you will be responsible to pay for $60,000 (60% of the damage on building), $25,000 (50% of damage on renovations) and $8,000 (80% of the damage on contents).
Depending on the claim you wish to submit:
If you have an Etiqa TiqConnect account, please log onto TiqConnect to submit your claims. Otherwise, you may register for an account on our corporate website. Access can be created immediately. You may also contact our Customer Care hotline at 6887 8777.
|No. of Residents at End of Promotion||Rewards|
|15||No additional rewards|
|20||All 20 residents receive Level 1 reward|
|50||All 50 residents receive Level 2 reward|
|80||All 80 residents receive Level 3 reward|