We know there is never a one-size-fits-all solution when it comes to protecting your home and your valuables. Let us work with you to tailor a coverage that suits your needs.

Enjoy broader and comprehensive coverage and protection against any physical loss or damage to your home, contents and valuables (specific exclusions apply in some instances).

You will not be disadvantaged by depreciation to your personal property if you make a claim in the event it is damaged, lost or broken. Cover will be on “new for old basis”.

We recognise that home contents cover is more than just insuring your furniture and home appliances, PCS would also includes cover for your belongings such as expensive designer clothing and jewellery that you may bring along with you on overseas trips. Your home contents and belongings will be covered anywhere in the world with our comprehensive worldwide coverage, so you don’t have to worry when you are away from your home or on an overseas trip.

You will be reimbursed up to S$5,000 for food spoilage due to interruption of power or mechanical breakdown of your refrigeration units.

You will be covered up to S$2,500 to replace the locks and keys and card keys lost, damaged or stolen at your residence, as well as any electronic locking device in your car.

If a covered loss makes your residence uninhabitable, we will cover any reasonable costs incurred by you for alternate accommodation, so that your standard of living isn’t compromised. This also includes reasonable costs incurred to board your pets.

You will be covered for loss or damage due to fire, theft or breakage of covered valuable items, anywhere in the world, with no deductibles applied.

Scheduled Valuable Article: Your valuables will be insured for its actual value. In the event of a total loss, you will be paid the agreed sum insured.

Unscheduled Valuable Article: Hassle free. Your valuable articles will be insured on an unscheduled basis with a per article limit basis. In the event of a covered loss, you will be paid the replacement cost of each item up to the per article limit.

Coverage for Loss in Market Value: In the event of a partial loss, you will be paid the full restoration or repair cost. Should the value diminish after the repair or restoration, you will be paid the difference up to 25% of the schedule sum insured.

This basis of coverage is typically not provided in most standard home insurance policies, which may leave you under-protected.

You will be coverd for your legal obligations towards a third party for any personal injury or property damages anywhere in the world.

Your Liability as the Landlord
You will be covered up to the personal liability limit for which you are legally liable to pay as the owner of the residence as a result of:
     • bodily injury to or death of the tenant or any third party within the residence
     • loss or damage to the tenant or third party’s property within the residence

Your Liability as the Tenant (Up to $100,000)
You will be covered for damages which you are legally liable to pay to your landlord as a result of loss or damage to the building, additions and alterations or contents belonging to the landlord during your tenancy period.