• AXA Home Insurance

    AXA HOME INSURANCE

    Home is where the heart is. Buying a home is a good investment option since real estate value is increasing day by day and hence it has the potential to generate cash flow. However, protecting your home and the contents within is a priority as well, otherwise you’ll have to shoulder a lot of financial losses. So, if you want peace of mind when it comes to protecting your home, home insurance becomes a necessity.

    AXA Home Insurance, Singapore

    Founded in 1817, AXA is a leading insurance and asset Management Company that focuses on investment banking that takes part in investment management, global investment banking, insurance, securities and other financial services. Its operations network spreads over 59 countries and serves approximately 103 million clients. It has its headquarters in Paris and has a strong presence in Western Europe, the Asia Pacific region, North America and Middle East.

    AXA Singapore Home Insurance offers protection for property and buildings owned by an individual or corporate and also offers comprehensive coverage for your valuables, assets and belongings within your home.

    Home Insurance Solutions/Plans offered by AXA, Singapore

    AXA offers the following unique solutions for home insurance, as per your requirements:

    Decreasing Term Assurance

    Decreasing Term Assurance takes care of your outstanding home loan and ensures your family continues to have a home, in the unfortunate event of death, total & permanent disability, or terminal illness. With this ideal mortgage protection plan, you can purchase the same amount of insurance coverage to match your home loan amount.

    Benefits

    • Single or joint life coverage: you can opt for a single or joint life coverage under one policy if two people who are joint-owners, are financing the household needs.
    • Single and Regular Premium payment options: Premium payments can be made in full or can be adjusted with your mortgage payments, for the sake of convenience.
    • Customised to Mortgage: All round coverage of mortgage is offered and it also ensures that you do not have to pay for excess coverage.
    • Enhanced Protection: This solution enables customers to avail supplementary riders to provide added protection to your home, in the event of critical illness, accidents, etc.
    • Applicant must be at least 16 years old and can be up to 60 years of age in order to purchase Decreasing Term Assurance policy.

    SmartHome Essential

    SmartHome Essential offers a comprehensive range of benefits and allows flexibility in selection of a custom-made plan by enabling customization of your coverage options to suit the requirements of your family.

    Benefits

    • Property Insurance: You can insure your property against any kind of damages, including damage to property and its contents due to fire, lightning, flood, theft, and more.
    • “New for Old” cover: This feature enables the homeowner to replace contents in his/her home without any deduction based on wear and tear or depreciation.
    • Alternate accommodation: This cover ensures that the landlord is covered for the loss of rent or the cost of alternate accommodation is provided to the homeowner, if the home is being reinstated due to an insured peril like fire, earthquake, etc.
    • Worldwide Personal Liability: this solution also extends to cover the legal liability of an individual that is incurred due to a tenant’s liability or his/her pet’s mischief.
    • A personal accident cover of up to S$ 50,000 is provided to the policyholder and his family, for free.

    SmartHome Optimum

    SmartHome Optimum provides protection from not just fire or other insured perils, but also offers additional coverage for accidental damage or loss to property and its contents.

    Benefits

    • “New for Old” cover: This feature enables the homeowner to replace contents in his/her home without any deduction based on wear and tear or depreciation.
    • Full theft cover: you are provided comprehensive cover in case of theft inside your home.
    • Worldwide Personal Liability: this solution also extends to cover the legal liability of an individual that is incurred due to a tenant’s liability or his/her pet’s mischief.
    • Enjoy around the clock emergency assistance service.
    • Provides additional protection for you and your family, against identity theft, defamation, shopping disputes and fraudulent transactions, caused during use of internet.

    SmartHome Prestige

    SmartHome Prestige offers all-out protection for all valuables in your home, i.e., the building as well as its contents such as antiques, fine art, jewellery, wine, watches and so on.

    Benefits

    • All Risks Cover: Offers protection against accidental damage or loss to property and contents within.
    • “New for Old” cover: This feature enables the homeowner to replace contents in his/her home without any deduction based on wear and tear or depreciation.
    • Free Worldwide Personal Liability: Provides your family worldwide personal liability cover of up to S$1,000,000, for free.
    • A personal accident cover of up to S$ 250,000 is provided to the policyholder and his family, for free.
    • Enjoy around the clock emergency assistance service.

    SmartHelper

    SmartHelper plan offers comprehensive coverage for you and your domestic help, beyond the requirements of Ministry of Manpower.

    Benefits

    • Hospitalization and Surgery Cover: Up to S$ 20,000 is offered for the expenses incurred from surgery/hospitalization of the domestic help.
    • Around the clock personal accident cover worldwide for permanent disability or loss of life of the domestic help.
    • Cover for medical expenses: Up to S$ 3,000 is provided for medical expenses related to injuries inflicted from accidents.
    • Critical Illness Cover: Protection of up to S$3,000 is provided for the maid if she suffers from a critical illness.
    • Provides your domestic help personal liability cover of up to S$ 5,000

    Compare AXA Home Insurance With Other Insurance Companies Offering Home Insurance in Singapore

    FAQ’s - AXA Home Insurance

    1. What is the entry age for availing the SmartHelper plan?

      The entry age for availing the SmartHelper plan is 23 years.

    2. When does the SmartHelper cover commence?

      The SmartHelper plan cover commences as soon as domestic helper arrives in Singapore.

    3. How long can the insured property be left unoccupied under the SmartHome Essential plan?

      The insured property can be left unoccupied only for less than 60 consecutive days.

    4. What is the policy term for Decreasing Term Assurance?

      The policy term for Decreasing Term Assurance is 5 years to 30 years.

    5. Can I avail the facility of free appraisal of my art pieces?

      Free appraisal of your antiques, collectibles and art pieces can be availed under the SmartHome Prestige plan.

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