Protect your home belongings against unexpected incidents with a home insurance plan.

Your home is your haven. Protect your loved ones and belongings with this comprehensive home content insurance plan. HomeShield, underwritten by MSIG Insurance, provides coverage for your furniture, valuables, renovations and personal liability against things out of your control such as fires, burglaries and floods.


  • Up to S$320,000* coverage against loss of or damage to home contents and renovation
  • Reimbursement of up to S$32,000* for alternative accommodation or loss of rent
  • Up to S$1,000,000 worldwide personal liability cover for entire household
  • 25% premium refund if there is no claim
  • Premiums starting from S$119.88 (inclusive of 7% GST) per annum

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* Applicable to Ultimate Plan

Product Details







Loss of or damages to Renovations

Up to S$90,000

Up to S$130,000

Up to S$190,000

Loss of or damages to Contents

Up to S$40,000

Up to S$100,000

Up to S$130,000

Covers physical loss of or damages to the Renovations and Contents caused by:

  • Fire, Lightning or Explosion


  • Hurricane, Cyclone, Typhoon, Windstorm, Flood (Excess: S$100)


  • Bursting / Overflowing of water tanks or pipes (Excess: S$100)


  • Earthquake


  • Aircraft


  • Impact damage by road vehicle


  • Riot, strikes


  • Malicious damage


  • Theft by violent & forcible entry



Up to S$130,000

Up to S$230,000

Up to S$320,000



Worldwide Personal Liability for whole Household

Up to S$1,000,000

Tenant's Liability (Excess S$100)

Up to S$500,000



You and your spouse

S$10,000 each

Your child (regardless of no. of children)

S$5,000 each child


Access to 24-hour Home Assist helpline for assistance services that include telephone medical advice, arrangement of private medical transportation, plumber, electrician and locksmith referrals


POST LOSS COVERS following damage covered under Section I

Alternative Accommodation or Loss of Rent
Cost of alternative accommodation or loss of rent while your home remains uninhabitable

Up to 10% of Total Sum Insured

Removal of Debris 
Cost incurred for removal of debris following damage to your home

Up to S$2,500

Cost of Temporary Protection
Cost of temporary boarding up or protection following damage to your home

Up to S$2,500

Emergency Cash Allowance
Purchase of essential personal effects if your home becomes uninhabitable for at least 5 days

Up to S$500

Emergency Replacement of Personal Computer
Advance payment of claims following loss of personal computer subject to MSIG Insurance's appointed assessor's certification

Up to S$3,000


Replacement of Locks & Keys
Cost of replacing locks and keys to the external door if the keys are stolen

Up to S$500

Contents Temporarily Removed 
Covers contents temporarily removed from your home for up to 14 days (Limit per article - S$500)

Up to S$5,000 in the aggregate

Accidental Death of Domestic Pet
(Dogs or Cats)

Up to S$500

Loss of Money
Loss of money due to forcible entry to your home

Up to S$1,000

Accidental Breakage of Fixed Mirror & Fixed Glass

Up to S$500

Deterioration of Frozen Food 
Cost of replacing deteriorated food in the deep freezer section of your refrigerator

Up to S$500

Automatic Reinstatement of Sum Insured subject to additional premium


We will not pay:

  • more than 30% of the Contents Sum Insured in respect of Valuables. “Valuables” means jewellery, watches, furs, curios, works of art, antiques, stamps or coins collections and other collectable property, manuscripts, medals, items of gold, silver or other precious metals or precious stones.
  • more than 5% of the Contents Sum Insured for any one article except furniture, PCs, audio & video equipment, pianos or organs.
  • for loss of or damage to the renovations and contents while your home is unoccupied for more than 60 consecutive days.

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HomeShield is designed to provide comprehensive coverage for your renovations, fixtures, fittings, electrical appliances and other precious possessions at home.

You can choose from our 3 plan types with affordable premiums. Premium starts as low as S$119.88 per annum.

You may choose to pay with your DBS/POSB bank account or any Visa/MasterCard Credit Card.

There's more! We'll refund 25% of your annual premium if you stay claim-free for every policy year.



Classic Plan

Premium Plan

Ultimate Plan

Annual Premium*S$119.88S$222.60S$291.00

* Premium is inclusive of 7% GST. Premium will be adjusted accordingly if the GST rate changes.

HomeShield – Home Content Insurance Plan FAQs

  1. I'm already covered by HDB Fire Insurance, why do I need HomeShield?

    Under the HDB Fire Insurance Scheme, you are only covered against damage to the internal areas of the flat built by HDB, which generally includes the floor slabs, internal partitions, ceiling, doors, windows, internal sanitary fittings, electrical wiring and any other item which is provided by HDB as a standard item in the flat. Any loss or damage to your renovations, or household contents (like furniture, decorations, electrical appliances and personal possessions etc.) is not covered.

  2. I'm already required by my mortgagee to take up Fire Insurance, why do I need HomeShield?

    Generally, mortgage fire insurance will only cover you against damage to the building structure, including its permanent fixtures and fittings. Any loss or damage to your renovations, or household contents (like furniture, decorations, electrical appliances and personal possessions etc.) is not covered.

  3. What does HomeShield cover?

    HomeShield is a comprehensive home insurance plan that insures your renovations and contents within your home against fire, explosion, flood, theft and other causes specified in the policy. On top of that, it also comes with other benefits like Worldwide Personal Liability, Worldwide Family Accident Protection and Emergency Home Assist at no additional cost.

  4. What are the risks insured against for home contents cover?

    The Policy covers for physical loss or damage to the renovations and contents while in your home caused by any of the following causes up to the Sum Insured specified in the Schedule:

    • Fire, lightning, domestic explosion
    • Hurricane, cyclone, typhoon, windstorm, flood (Excess: S$100).
    • Water discharged or overflowing or leaking from pipes, water systems or installations, roof, roof guttering and down-pipes in or about your home but excluding damage to such water conduits arising from wear and tear (Excess: S$100).
    • Earthquake or earthquake shock.
    • Aircraft and other spatial devices or articles dropped from them.
    • Impact by any land vehicle or any animal.
    • Civil commotion, labour disturbance and riot involving persons other than You, Your Household or any other person living in Your Home.
    • Malicious act of any person other than You, Your Household or any other person living in Your Home.
    • Theft accompanied by violent or forcible entry into Your Home by any person other than a member of the Household or any other person living in Your Home.
  5. What is the meaning of Sum Insured?

    The "sum insured" is the insured value of the property and the maximum amount an insurer will pay if it is totally destroyed by an insured peril. The sum insured should reflect the cost of replacing the insured property to its original condition (or its equivalent) at the time just before the damage occurred.

  6. How much can I claim for my renovations / contents?

    Depending on the plan selected by you, the maximum amount that you can claim will be up to the sum insured specified in your Schedule, provided the Policy will not pay for:

    • more than 30% of the Sum Insured on Contents in the aggregate in respect of Valuables (Valuable means jewellery, watches, furs, curios, works of art, antiques, stamps or coins collections and other collectable property, manuscripts, medals, items of gold, silver or other precious metals or precious stones)
    • more than 5% of the of the Sum Insured on Contents for any one article (except furniture, personal computers, audio and video equipment, pianos or organs, which are not subject to this sub-limit).
  7. Do I have to provide a detailed listing of the contents in my home?

    No, you do not have to provide any itemised listing with your application. However, please ensure that the sum insured selected represents the full value of the renovations and contents as new at time of loss or damage. If not, any claim payment will only be made after deduction of wear and tear or depreciation.

  8. What if I move to a new home?

    When you move, you may transfer the HomeShield Policy to cover the new residential home owned by you. Please update MSIG Insurance with your new home address and ensure the Sum Insured on your current plan is adequate.

  9. Can I change the Plan after my application has been accepted?

    If you wish to change your Plan, please notify MSIG Insurance directly in writing. MSIG Insurance will send you a confirmation upon receiving your request.

  10. Can I change the mode of payment after my application has been accepted?

    You can only change the mode of payment on each policy anniversary date. Please notify MSIG Insurance at least 30 days before your policy expiry date. MSIG Insurance will send you a confirmation upon receiving your request.

  11. How do I make a claim?

    1. Contact MSIG Insurance Claims Department (Hotline: 68277660) as soon as you know of an event that will likely result in a claim under your HomeShield Policy
    2. MSIG Insurance may send a loss adjuster to inspect the damaged property and/or assess your loss.
    3. In the event of a potential claim from a third party against you, you need to take note of the particulars of the third party as well as the nature and extent of the claim. You should not admit liability to the third party, settle or negotiate settlement of the claim. The third party's claim including letter of demand, writs of summon, etc should be brought to MSIG Insurance's attention immediately. Upon assessing the situation, MSIG Insurance will advise you of the course of action to take.
    4. MSIG Insurance will send you a "Claim Form" for your completion.
    5. To facilitate the processing of your claim, you should submit the following documents (where applicable) together with your duly completed claim form:
      • Photographs of the damaged property
      • Quotations of repair or replacement of the damaged property
      • Police report
    6. Depending on the circumstances surrounding each claim, MSIG Insurance may require further supporting documents from you. You will be advised accordingly should the need arise.
  12. What is the basis of claim settlement for renovation / content?

    MSIG Insurance will indemnify you the cost of repair for each item that is partially damaged, or replacement as new if it is totally lost or destroyed. The Sum Insured on renovations and contents must represent the full value as new at the time of the loss or damage. If they do not, then payment will only be made after deduction for any wear and tear or depreciation.

    For enquiries on HomeShield, please contact MSIG Insurance Customer Service Officers who will be ready to assist you.

    Hotline:6827 7607 (Monday to Friday, 8.45 am to 5.30 pm)
    Fax:6827 7805

About Applying for HomeShield Online

  1. What payment modes are accepted?

    You can apply for HomeShield with any credit cards or via direct debit from your DBS/POSB, UOB or Citibank iBanking account for Annual premiums.

    Payment for Monthly premiums however, can be effected only with your DBS/POSB credit cards or direct debit from your DBS/POSB iBanking account.

  2. How do I pay by Credit?

    Step 1:
    Click on 'eNETS Credit' at the Application Summary page.

    Step 2:
    You will then be redirected to the eNETS Credit gateway page. Enter your Name, Credit Card Number and Expiry Date then click 'Submit'.

    Alternatively you may log on to 'eNETS Credit' to enter your 'eNETS ID' and 'PIN' and select your 'Credit Card Alias'.

    Step 3:
    You will be shown a pop-up box. Click on 'Ok' if you want to continue with the transaction and 'Cancel' if you want to terminate the transaction.

    When your transaction is successful, you will be provided with an electronic receipt. You can print out a copy for reference.

  3. How do I pay by Direct Debit?

    You will need your iBanking 'User ID' and 'PIN' from any of the following banks:

    1. DBS/POSB Bank
    2. UOB Bank
    3. Citibank

    Step 1:
    Select 'eNETS Debit' as your preferred payment option.

    Step 2:
    Select your preferred bank.

    Step 3:
    Enter your iBanking 'User ID' and 'PIN'. Click 'Submit' to authorise the transaction.

    Once your transaction is successful, an electronic receipt will be issued. You can print out a copy for reference.

  4. Will I be charged to use this service?

    No, this service is free of charge.

  5. When will my application for HomeShield be completed?

    Your application for HomeShield will only be completed when your payment transaction is successful.

  6. How do I know that my transaction has been successfully processed?

    You will receive an electronic receipt once your transaction has been successfully processed.

  7. When will I receive my policy?

    You will receive your HomeShield policy by mail within a week once MSIG Insurance has successfully processed your application.

  8. Who can I contact if I want to make changes to or cancel my previous application?

    You may contact MSIG Insurance customer service hotline at 6827 7607.

  9. Who can I contact if I encounter technical problems when making my payments online?

    You may send via e-mail, detailing your technical problems, to or call NETS Call Centre at 6274 1212 during office hours.

    To enable us to serve you better, please provide the following information:

    • Date and time when error occurred
    • The error message(s) or describe the screen you encountered
    • Your Credit Card type
    • The Operating System (Windows, Macintosh, Unix) you are using
    • Browser (Microsoft Internet Explorer, Netscape Navigator)
    • Your contact number during office hours

  11. What type of hardware do I need to make my payments online?

    We recommend the following:

    • PC with at least a Pentium 133MHz processor or faster
    • 32 MB RAM or higher
    • SVGA or higher resolution monitor, 256 colours minimum
    • Modem of 28.8 kbps or higher
    • Windows 9x / NT / ME / XP Operating system

    Note: Please ensure that Java & JavaScript functions are enabled on your browser.


  13. Can I use other operating systems, other than Win9x/NT?

    eNETS Credit was developed specifically for Windows 9x or NT or XP operating system. Other operating systems may not be compatible.

  14. What should I do if I see "This program has performed an illegal operation message on my PC?

    This is commonly known as GPF (General Protection Fault). You'll have to restart your browser. If the problem persists, please consult your PC vendor.

Please refer to the policy wordings for the full details of the terms, conditions and exclusions of this insurance.

Terms and Conditions Governing Purchase of Insurance Products from MSIG Insurance via the DBS website


HomeShield is underwritten by MSIG Insurance (Singapore) Pte. Ltd. ("MSIG Insurance") and distributed by DBS Bank Ltd ("DBS"). It is not an obligation of, deposit in or guaranteed by DBS. This is not a contract of insurance. Full details of the terms, conditions and exceptions of this insurance are provided in the policy wordings and will be sent to you upon acceptance of your application by MSIG Insurance.

You have a free look period of 14 business days after the date you receive the Policy. If you decide to cancel the Policy within these 14 days, please inform MSIG Insurance in writing and they will cancel the Policy from its start date and refund in full premium paid provided no claim has arisen.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (“SDIC”). For more information on the scheme, please visit the General Insurance Association or SDIC websites.