UniHome Safe -
Home Insurance

Your home is your safe-haven, a place to wind down, relax, and enjoy with your loved ones. Be assured that our home insurance can protect your sanctuary against any unforeseen events.

Home Personal Protection UniHome Safe

Key Benefits

Flexible home insurance plans options

Select from 1, 3, or 5 years plan with the reward of better savings when you select a multi-year policy.

No Claim Discount (NCD)

5% NCD discount is given at each renewal, up to 20% when no claim is made.

Loss of rental or alternative accommodation compensation

Receive compensation for the loss of rental or alternative accommodation costs in the event your home is damaged.

Additional coverage against diseases

Besides protecting your home, enjoy additional coverage against diseases such as SARS, Dengue Fever, and Bird Flu.

24/7 global personal accident coverage

Enhanced coverage that protects you and your household from any accidental injuries.

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Section	Coverage	Choose Your Preferred Plan (S$)
Section	Coverage	Bliss	Cosy	Harmony	Joyous
1	Building	100,000	150,000	200,000	250,000
2	Renovation, Fixtures and Fittings	50,000	75,000	100,000	125,000
3	Household Contents	40,000	60,000	80,000	100,000
Benefits (S$) for all Coverages
Loss of Rental Income / Alternate Accommodation		8,000	12,000	16,000	20,000
Removals of Debris		2,000	3,000	4,500	6,500
Fire Extinguishing Expenses (Eg. Cost of replenishment of fire extinguisher)		19,000	28,500	38,000	47,500
Replacement and Repair of Home Security System, Locks and Keys		750	750	750	750
Benefits (S$) for Household Contents Only
Domestic Servant's Property		4,000	6,000	8,000	10,000
Breakage to Mirrors		4,000	6,000	8,000	10,000
Loss of Cash		1,000	1,000	1,000	1,000
Valuables		8,000	10,000	15,000	20,000
Emergency Cash Allowance		1,000	1,000	1,000	1,000
Conservancy Charges / Management Fees / Power Supply Bills		1,000	1,000	1,000	1,000
Household Removal		8,000	8,000	8,000	8,000
Legal Documents		500	500	500	500
Cost of Temporary Additional Domestic Help (following an accident at home)		750	750	750	750
Loss of Credit Card		100	100	100	100
Robbery of Amount Withdrawn at ATM		300	300	300	300
Replacement of Cable Set-Top Box		1,000	1,000	1,000	1,000
Accidental Death to Pedigree Pets		500	500	500	500
Personal Liability within Home Premises (Insured and/or family legal liability arising out of third party injury or property damage. Eg: food poisoning)		500,000	500,000	500,000	500,000
Worldwide Personal Accident (Insured, Spouse and up to 3 Unmarried Children)		30,000 per adult 10,000 per child (max 3)
Emergency Home Assistance		2 Emergency Repairs up to S$100 per repair
Additional for all Coverages (S$)
SARS / Bird Flu (H5N1)-Death Benefit for Insured, Spouse and Children (in Singapore Only)		Up to 5,000 in aggregate	Up to 5,000 in aggregate	Up to 5,000 in aggregate	Up to 5,000 in aggregate
One-Time SARS Home Quarantine Benefit (Order issued by MOH)		300	300	300	300
Dengue Fever Cover for Insured, Spouse and Children (Reimbursement of Medical Expenses per policy year)		Up to 500 in aggregate	Up to 500 in aggregate	Up to 500 in aggregate	Up to 500 in aggregate

Premiums Payable (S$)
Premium		Bliss	Cosy	Harmony	Joyous
Annual		138	178	238	358
3 Years		338	428	578	858
5 Years		448	578	768	1,148
Note: * This policy is protected ubder 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 China Taiping Insurance (Singapore) Pte. Ltd. or visit the GIA / LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg). This advertisement has not been reviewed by the Monetary Authority of Singapore. Information is correct as 10 February 2020. Premiums excludes GST.

Protected up to specified limits by SDIC.

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Useful Tips

Is home insurance mandatory in Singapore?

In Singapore, the requirement for insurance depends on your property type and loan status. If you are an HDB owner with an outstanding HDB loan, the HDB Fire Insurance is mandatory, but it only covers the internal building structure and original HDB fixtures. Similarly, if you live in a Condominium, the Management Corporation Strata Title (MCST) is legally required to have a master policy for the entire building.

However, what most people refer to as home insurance in Singapore (which protects your expensive renovations, furniture, appliances, and personal valuables) is actually optional. At China Taiping Singapore, we highly recommend our UniHome Safe. While your home may already be protected by a basic fire policy, the belongings and valuables inside can still be at risk. UniHome Safe helps close that gap by providing comprehensive coverage for your home contents.

I already have HDB Fire Insurance; isn't that enough?

This is a common misconception among homeowners. HDB Fire Insurance is a building-only policy. It is designed to restore the four walls, ceiling, and floor to their original state provided by HDB. It does not provide coverage for your $50,000 renovation, your custom built-in wardrobes, your sofa, or your personal belongings. UniHome Safe is designed to bridge this massive gap. Our policy steps in to cover the internal improvements and contents that you have added to the flat. Without a comprehensive home insurance plan, a small kitchen fire could result in tens of thousands of dollars in out-of-pocket losses in reinstatement cost, even if your HDB Fire Insurance is active.

Do I need home insurance if I am a tenant?

Yes, tenants often assume the landlord’s insurance covers them, but that is rarely the case. A landlord’s policy usually only covers the structure and their own furniture. As a tenant, you should secure your own coverage for two main reasons. First, to protect your personal belongings like your clothes, gadgets, and jewellery. Second, and perhaps more importantly, for Tenant’s Liability. If you accidentally leave a tap running and flood the apartment, or if a small fire starts in your air fryer and damages the landlord’s built-in cabinets, you could be held legally and financially liable. China Taiping Singapore’s tenant-focused options include liability coverage that protects you against these accidental damage claims from your landlord.

Does home insurance cover burst pipes and water damage?

UniHome Safe typically covers the resulting damage caused by the water, such as warped floorboards, ruined carpets, or water-damaged furniture. It provides coverage for such events, allowing homeowners to repair and replace affected areas and items without financial strain.

Are my renovations covered?

Yes, renovations (or Internal Improvements) are a core component of our UniHome Safe. This includes your flooring, false ceilings, built-in kitchen cabinets, and bathroom fittings. One crucial piece of advice we give our clients is to ensure their Sum Assured aligns with the renovation expenses incurred. If you spent $80,000 on a full overhaul but only insured your renovations for $20,000, you may be under-insured. China Taiping Singapore allows you to customise your limits so your coverage stays in sync with your home’s actual value.

Is my home office equipment covered?

With the rise of hybrid work in Singapore, many professionals now have office setups at home. China Taiping Singapore recognises this shift and includes coverage for home office equipment, such as your desktop computers, monitors, printers, and professional furniture, under the Household Contents section of the UniHome Safe. This protects your work-from-home equipment against common perils like fire, theft, or accidental damage. If you run a small business from home and have significant stock or specialised commercial equipment, we recommend speaking to our advisors to ensure your specific limits are sufficient for your business needs.

What is Alternative Accommodation coverage?

If a major fire or a serious pipe burst makes your home uninhabitable, the last thing you want to worry about is finding a place to sleep. China Taiping Singapore’s UniHome Safe includes an Alternative Accommodation benefit. This feature reimburses you for the reasonable costs of staying in a hotel or a temporary rental while your home is being repaired. This benefit is often a lifesaver, as it covers the immediate disruption to your lifestyle, ensuring that even if your home is temporarily out of commission, your family still has a safe place to stay without the additional financial strain.

What are the most common exclusions?

While our policies are broad, there are standard exclusions to be aware of. Our home policies generally do not cover wear and tear, which includes the natural ageing of appliances or gradual rust. Other exclusions include damage caused by mould, fungus, or pests (like termites), and damage caused by pets (such as a dog scratching the doors). Furthermore, mysterious disappearance (where an item is missing but there is no evidence of a break-in or a specific accident) is typically excluded. We encourage all homeowners to read the policy wordings to understand more so there are no surprises in the event of a claim.

Does it cover my house if it's left empty?

While home protection insurance is not legally required in Singapore, it is strongly recommended for homeowners and tenants alike to protect their properties and belongings from unexpected monetary losses or damages to their prized home.

How do I determine the Sum Assured of my Home Insurance?

While home protection insurance is not legally required in Singapore, it is strongly recommended for homeowners and tenants alike to protect their properties and belongings from unexpected monetary losses or damages to their prized home.

Renovation Cost: What you paid the ID/contractor.
Contents Value: The total replacement cost of all furniture, appliances, electronics, and clothing.
Building Cost (For Landed only): The cost to physically rebuild the structure (not the land value).

By using these figures, we can ensure that your policy provides exactly enough capital to restore your lifestyle to its current state in the unfortunate event.

Can I claim for a smash-and-grab theft?

Yes, theft is a covered peril under UniHome Safe. There must be visible evidence that a thief broke into your home, such as a smashed window, a jimmied door, or a broken lock. If a theft occurs because a door or window was left wide open or unlocked, the insurer may reject the claim on the basis of negligence. China Taiping Singapore encourages all policyholders to maintain basic security measures, as this ensures your protection remains robust and that your claims for stolen valuables can be processed smoothly.