On a replacement basis, without deduction for wear and tear or depreciation.
Allianz Home Protect
Enjoy peace of mind by protecting your
home & its contents
home & its contents
Covers your home contents
Up to S$100,000 home contents protection
Against fire, typhoon, gas explosion, water damage and theft etc.
Pay claims on a first loss basis
No under-insurance or average clause applied.
Up to S$1,000 Emergency Cash Allowance
For the purchase of essentials & necessities in the event of your home being uninhabitable due to a covered loss or damage.
All Risks Home Contents and Renovations
Inclusive of Accidental Damage as a Covered Peril to cover all your home contents and renovations.
Up to S$150,000 to cover Renovations
And all household improvements and interior decorations of your home including those provided by developer.
Up to S$2,000,000 Worldwide Personal Liability cover
Coverage/Benefits Schedule
Silver Plan
BENEFIT LIMIT (SGD)
Gold Plan
BENEFIT LIMIT (SGD)
Platinum Plan
BENEFIT LIMIT (SGD)
Section I: Loss or Damage To Home Contents
The maximum cover for: Money
S$1,000 per year
S$2,000 per year
S$3,000 per year
Additional Benefits
S$10,000 per event
S$15,000 per event
S$25,000 per event
Section III: Home Appliance Accidental Protection (Optional Benefits)
N/A
S$2,500 per year
S$5,000 per year
Section IV: Worldwide All Risk (Optional Benefits)
Section V: All Risks Home Contents and Renovations (Optional Benefits)
Covered under Section I Sum Insured for Home Contents and Renovations
Covered under Section I Sum Insured for Home Contents and Renovations
Covered under Section I Sum Insured for Home Contents and Renovations
Additional Benefits (Optional Cover, Additional Premium is Required)
Annual Premium Table (in SGD inclusive of GST)
Premium (SGD)
Silver Plan
Gold Plan
Platinum Plan
Base Premium
S$98.10
S$153.69
S$273.59
Optional – Home Appliance Accidental Protection
N/A
S$29.43
S$55.59
Optional – Worldwide All Risk
N/A
N/A
S$58.86
Optional – All Risks Home Contents and Renovations
S$70.85
S$93.74
S$120.99
Monthly Premium Table (in SGD inclusive of GST)
Premium (SGD)
Silver Plan
Gold Plan
Platinum Plan
Base Premium
S$8.18
S$12.81
S$22.80
Optional – Home Appliance Accidental Protection
N/A
S$2.45
S$4.63
Optional – Worldwide All Risk
N/A
N/A
S$4.91
Optional – All Risks Home Contents and Renovations
S$5.90
S$7.90
S$10.08
* Claims payable under these benefits shall be in addition to the basic sum insured of Home Contents. Please refer to the Policy Wording on details of policy coverage.
Enjoy peace of mind by protecting your home & its contents
More about Allianz Home Protect
- Terms defined herein shall bear the same definitions as prescribed in the Policy Wording.
- Allianz Home Protect Policy is underwritten by Allianz Insurance Singapore Pte. Ltd. (Allianz).
- The above information is for reference only. You may wish to seek advice from a qualified adviser before making a commitment to purchase the policy. In the event that you choose not to seek advice from a qualified adviser, you should consider whether the policy in question is suitable for you. Buying health insurance products that are not suitable to you may impact your ability to finance your future healthcare needs. You can find the full terms and conditions in the Policy Wording.
- The Policy may contain terms and conditions which are not detailed in the above. Should there be any discrepancy between the information contained in the above and the terms of the Policy, the terms of the Policy shall prevail. For exact terms and conditions and details of the exclusions, please refer to the Policy Wording or contact Allianz.
- Certain benefits such as Alternative Accommodation, Window/Door replacement, Home Contracting works and Emergency Cash Allowance do not have an excess. The excess is S$250 for each claim arising from household removal; S$200 or 5% (whichever is greater) for each claim arising from water damage; S$10,000 or 10% of the loss (whichever is greater) for each claim arising from landslip or subsidence. The excess for all other claims is S$100.
- The insured premise contains no illegal structure and is located in the Republic of Singapore.
- The insured premise must be for residential use. No industrial or commercial buildings will be covered.
- Proposers and their families must comply with all statutory obligations and take reasonable steps to prevent loss or damage; to maintain any premises to be insured in good condition and sound repair; and to fulfill the requirement of the deed of mutual covenant, any other relevant regulation or statutory instruments relating to the premises or buildings to be insured.
- You give consent to Allianz and its affiliates, third party service providers, related entities and business partners as well as their and its respective representatives and/or agents, may collect, use and disclose personal data related to you and other individuals provided by you for purposes including but not limited to underwriting, processing and administering any policy and/or claim, due diligence, renewals, audit, compliance, data storage, and providing general information about our products and services, and general communication with you,digitally or otherwise.
- 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 visit the GIA or the SDIC websites (www.gia.org.sg or www.sdic.org.sg).
- This advertisement has not been reviewed by the Monetary Authority of Singapore.
- Information is accurate as at Oct 2025.
Frequently Asked Questions
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About the Product
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Who's Covered
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What's Covered
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Pricing & Purchase
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Claims
Allianz Home Protect is a home insurance plan offered by Allianz Insurance Singapore. It protects your home contents (furniture, appliances, personal belongings) and renovations against damage from fire, theft, water leaks, and other covered events. The policy also includes worldwide personal liability coverage and optional add-ons for accidental damage protection and coverage for belongings taken overseas.
HDB fire insurance and mortgage fire insurance (required by banks) only covers the building structure—walls, floors, and permanent fixtures. They don't cover your furniture, appliances, electronics, renovations, or personal belongings. Allianz Home Protect fills this gap by protecting everything inside your home, plus your renovations and improvements. If you've spent money on built-in wardrobes, kitchen cabinets, or flooring, you need home contents insurance to protect that investment.
Anyone can purchase Allianz Home Protect as long as the property is located in Singapore. This includes homeowners (HDB, condo, landed), tenants renting a property, and foreigners. Tenants can insure their own belongings and any renovations they've made to the rental unit. The policy covers belongings of all family members normally living with you.
Allianz Home Protect covers your home contents and renovations against:
- Fire, lightning, and explosion
- Water damage from burst pipes or tank overflow
- Theft and burglary (with signs of forced entry)
- Flood, storm, and earthquake
- Riot, strike, and malicious damage
- Impact by vehicles
- Smoke damage
Additional benefits included: Alternative accommodation if your home becomes uninhabitable, emergency cash allowance, window/door replacement after break-in, domestic helper's belongings, and accidental damage to fixed glass and mirrors.
Yes. Allianz Home Protect covers damage to your contents and renovations caused by water escaping from tanks, pipes, or appliances. This includes damage from burst pipes, overflowing tanks, and leaking water heaters. There's an excess of S$200 or 5% of the loss (whichever is greater) for water damage claims. Damage caused by gradual leaks that you were aware of but didn't fix is not covered.
Yes. Under Allianz Home Protect, theft is covered if there's evidence of forcible entry into your home. The policy also covers the cost of replacing doors, locks, and windows damaged during a break-in. However, theft is not covered if your home has been unoccupied for more than 90 consecutive days, or if items are stolen by family members or domestic helpers (helper dishonesty is covered under a separate benefit up to a specified limit).
Premiums depend on the sum insured (value of your contents and renovations) and any optional add-ons you choose. Most claims have an excess of S$100, except for water damage (S$200 or 5% of loss, household removal (S$250), and landslip & subsidence (S$10,000 or 10% of loss). Some benefits like alternative accommodation and emergency cash have no excess.
Allianz Home Protect offers three optional add-ons:
- Home Appliance Accidental Protection — Covers accidental damage to kitchen appliances (fridge, dishwasher, cooker), home appliances (TV, aircon, washer), and personal devices (laptop, tablet)
- Worldwide All Risks — Covers loss or damage to personal belongings anywhere in the world, including jewellery, electronics, and valuables. Useful for items you carry when travelling.
- All Risks Home Contents and Renovations — Upgrades your policy to cover accidental damage (not just named perils) to contents and renovations inside your home. Also allows you to add Building coverage up to S$500,000 or S$1,000,000.
- Report the incident — For theft, file a police report immediately
- Contact Allianz — Email [email protected] or call +65 6222 1919 as soon as possible
- Complete a claim form and provide supporting documents (photos, receipts, police report, invoices)
Important: You must notify Allianz within 60 days of the loss or damage. Keep damaged items for inspection if possible.