We understand that your home is important to you, and the contents and belongings you have within the 4 walls hold special significance to you. With higher end homes and more unique fixtures and fittings, you need even more customised protection, which we can provide.

Furthermore, you can even specially customise your coverage if you own multiple properties. Instead of having 1 policy per property with each policy having a different policy effective date to keep track of, our Homeowners Insurance allows you to have 1 policy covering multiple properties at one time. That way, all you have to do is keep track of 1 policy and a common renewal date.

You may have a collection of watches, paintings, wine, antiques, branded goods, or even some other unique collections. No matter what you collect, we can provide a specific cover that you would need for your prized possessions. With that, you can set your mind at ease instead of worrying about damage or the loss of your collection.

If you have a passion for cars, chances are you would own one that is set apart from the rest. Whether you own a high performance vehicle supercar, or vintage classic vehicles, they are unique risks requiring special attention as compared to the typical motor vehicle. Due to our in experience and understanding in this risk we are able to arrange special cover for your prized possession.

If you own a yacht you will need to ensure that you have the right insurance cover to protect yourself against loss or damage to your valuable possession and against Third Party liabilities required by law. ARF is experience in this area of insurance and we are able to customize a cover according to your needs.

Unknown to many golfers, playing a game of golf has exposure to onerous liabilities to third parties.

However, fret not, with affordable Golf Insurance, you no longer have to worry about unanticipated situations, accidents, loss or damage to your expensive golf equipment, as well as Third Party Liability when you golf at home or overseas. Just go ahead and enjoy your game of golf worry free, knowing that you can be covered against any financial loss due to accidental event(s).

Some Coverage that golfers can be insured for are:-

1. Loss or damage to golfing equipment
2. Liability to third party in respect of property damage or bodily injury
3. Hole-in-one achievement, and more

Health and Wellness Insurance is focused on covering expatriates and family members living or working in Singapore, and those who prefer private healthcare insurance. Some have the common misconception that Travel Insurance is sufficient, People tend to forgo purchasing Health and Wellness Insurance. Although Travel Insurance does cover some basic health needs, it is mainly meant to cover a traveler for the period of travel, while Health and Wellness Insurance ensures comprehensive long term worldwide cover when you are stationed in a foreign country.