General Insurance

myHome Protect – Home Contents Insurance Plan

myHome Protect covers your home against the unexpected.


After a long day at work, your home is a sanctuary you return to. So be sure to safeguard it with a home contents insurance plan.

myHome Protect covers not just your furniture, valuables and renovations, but also your beloved pets and personal liability. So you can relax, knowing everything is in good hands.

myHome Protect is underwritten by Chubb Insurance Singapore Limited.

  • Get up to S$320,000 coverage against loss of or damage to home contents and renovations
  • Reimbursement of up to S$32,000 for alternative accommodation or loss of rent
  • Be insured up to S$1,000,000 for worldwide personal liability cover for the household
  • Receive 25% refund of premiums paid (excluding GST) at the end of every 12 consecutive months if you remain claim-free

Product Details

 

 

Choice of Plan (Sum Insured)

Classic

Premium

Ultimate

Loss of or damage to Renovations

Up to S$90,000

Up to S$130,000

Up to S$190,000

Loss of or damage to Contents

Up to S$40,000

Up to S$100,000

Up to S$130,000

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

  • Fire, Lighting or Explosion
  • Hurricane, Cyclone, Typhoon, Flood (Excess: S$100)
  • Bursting, leaking, discharging or overflowing of water tanks or pipes (Excess: S$100)
  • Earthquake
  • Impact damage by road vehicle or aircraft
  • Riots, strikes
  • Malicious damage or Vandalism
  • Theft or burglary by violent and forcible entry

Covered

Alternative Accommodation/ Loss of Rent

  • Cost of alternative accommodation or loss of rent while your Premises remains uninhabitable

Up to S$13,000

Up to S$23,000

Up to S$32,000

Removal of Debris

  • Cost incurred for the removal of debris following loss or damage

Up to S$2,500

Cost of Temporary Protection

  • Cost incurred for temporarily boarding up to safeguard your Premises and contents pending repair and/ or replacement

Up to S$2,500

Emergency Cash Allowance

  • Purchase of essential personal effects if your Premises 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 Chubb’s appointed assessor’s certification

Up to S$3,000

Replacement of Locks & Keys

  • Cost of replacing locks and keys to the external doors or windows if the keys are stolen

Up to S$500

Contents Temporarily Removed

  • Covers contents temporarily removed from your Premises for up to 14 days

Limit per article – S$500;
Up to S$5,000 in the aggregate

Accidental Death of Domestic Pet (Cat or Dog)

Up to S$500

Loss of Money

  • Loss of money due to violent and forcible entry to your Premises

Up to S$1,000

Accidental Breakage of Mirrors & Glass

Up to S$500

Deterioration of Frozen Food

  • Cost of replacing deteriorated food in the freezer section of your refrigerator

Up to S$500

Automatic Reinstatement of Sum Insured Subject to Additional Premium

Available

Personal Legal Liability for the Whole Household

  • Covers you and your Household if held legally liable to pay compensation to third parties for accidental death, injury or accidental property damage

Up to S$1,000,000

Personal Legal Liability as a Tenant

Up to S$500,000;
Excess of S$100 for each and every claim

Family Accidental Death Protection

Insured/Partner – S$10,000 each;
Child – S$5,000 each

24-hour Emergency Home Assist

Available

No Claim Bonus

25% refund of the preceding 12 months' premium paid (excluding GST) if there is no claim

We will not pay for:

  1. More than 30% of the Sum Insured on Contents in the aggregate 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/precious stones.
  2. More than 5% of the Sum Insured on Contents for any one article except furniture, personal computers, audio and video equipment, pianos or organs.
  3. Loss of or damage to the renovations and contents while your Premises is unoccupied for more than 60 consecutive days.

 

You can choose from three plan types, all at an affordable premium that starts from as low as S$9.99 per month.

 

Classic Plan

Premium Plan

Ultimate Plan

Monthly Premium

S$9.99

S$18.55

S$24.25

Annual Premium

S$119.88

S$222.60

S$291.00

Premiums are inclusive of 7% GST.

 

From 1 - 21 January 2018, enjoy 18% off myHome Protect Home Contents Insurance Plans when you apply at any of our branches!

Find nearest Visit your nearest branch

Promotion terms and conditions apply

 

  1. I am currently renting a residential home. Can I buy myHome Protect?

    Yes. In your capacity as a Tenant, myHome Protect provides coverage for your contents and personal belongings as well as those owned by your family members living in the same Premises.

  2. Is purchasing myHome Protect necessary since I have been insured under a fire insurance policy when I took up my mortgage loan?
    • A typical mortgage fire insurance policy generally provides coverage only for the Building structure and in certain cases a low amount of contents coverage.
    • myHome Protect is a home contents insurance policy offering coverage for renovations and contents.
  3. Is there a need for me to provide a detailed listing of the contents in my Premises?

    No. You will need to choose the plan with the Sum Insured that represents the full value (as new) of your Contents and Renovations (including those of your family members residing with you).

  4. If I am moving, what should I do as an Insured of myHome Protect?

    Please update Chubb of your new home address as soon as possible and ensure that the coverage on your existing plan is adequate for the new Premises.

  5. Under myHome Protect, what coverage is provided for my Renovations?

    There is coverage for loss or damage to the improvement and additions within your Premises made by you as owner or by any former owner of your Premises in the form of fixtures and fittings (including flooring, built-in wardrobes and air-conditioners), but does not include any part of the Building structure.

  6. I understand that there is a 25% No Claim Bonus offered under myHome Protect. Do I enjoy this benefit every year?

    You will continue to enjoy a No Claim Bonus of 25% so long the monthly or yearly premiums are paid as and when due. In addition, you will also need to remain claim-free during the annual period of insurance. Should there be a claim for an event in that policy year, the No Claim Bonus will not apply for that policy year but will resume in the following annual period of insurance provided there is no claim for an event in the following policy year.

  7. What is an Excess?

    An Excess is the first amount of any claim that you have to bear.

    For example:

    Mary had her home contents damaged due to the bursting of water pipes. The claim amount is S$2,500.

    • Excess amount is S$100.
    • Claim payout is S$2,400 after deducting the Excess of S$100.
     
  8. How do I make a claim?

    Please submit your claims online at www.chubbclaims-dbs.com.sg. Alternatively, you may contact Chubb’s Customer Service Hotline and they will guide you in filing a claim.

  9. I have more questions about myHome Protect. Who should I reach out to?

    You may contact Chubb’s Customer Service Hotline at +65 6398 8797, (Mondays to Fridays, 9.00am – 5.00pm, excluding public holidays) or via email at dbscs.sg@chubb.com

Contact Us

Need help with your insurance?

  • Call Chubb’s Customer Service Hotline at 6398 8797 (Mondays to Fridays, 9.00am – 5.00pm)
  • Click here to send us your myHome Protect insurance enquiry

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

Disclaimers

myHome Protect is underwritten by Chubb Insurance Singapore Limited (“Chubb”) 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 exclusions of the insurance are provided in the policy wordings and will be sent to you upon acceptance of your application by Chubb.

You have a free look period of 30 days from the date you receive the Policy. If you decide to cancel the Policy within these 30 days, please inform Chubb in writing and they will cancel the Policy from its start date and refund the 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.

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