EQ Homeguard Home Insurance

EQ Homeguard is a home insurance policy that covers private properties, Housing and Development Board (HDB) apartments, and condominiums, in case of accidents or damages. You have three standard plans to choose from, and also an option to customise a few coverages if you think the basic policy is not sufficient.


  • The insurance policy covers additional expenses incurred for either loss of rent or an alternative temporary accommodation when your property is uninhabitable due to an incident.
  • You will receive up to S$1,400 if you are ordered a home quarantine.
  • Accidental deaths of your spouse, your children, or you, at home and anywhere else in the world, is covered.
  • Property damage or accidental body injuries to a third party is covered within Singapore and overseas (except the USA and Canada).
  • Death or theft of pedigree pets is covered.

The Basic Plans Available

Coverage Silver Plan Gold Plan Platinum Plan
Premium (inclusive of GST) S$112.35 S$214.00 S$315.65
Improvements/Renovation S$50,000 S$100,000 S$200,000
Contents S$25,000 S$50,000 S$75,000
Theft or accidental death of your dog S$500 S$500 S$500
Worldwide family & personal liability S$500,000 S$750,000 S$1 million
Family worldwide accident protection Up to S$50,000 in aggregate (S$10,000 per person)
Emergency home assistance Yes Yes Yes

Optional and Additional Coverage Plan

Some of you might have your properties under mortgages or may have insured them through the Management Corporations or the HDB Fire Insurance Scheme. In such cases, you don’t have to take an additional insurance policy for your building. Hence, the following coverages are optional.

Coverage Premium Rate
Building S$3.745 for every S$10,000 sum insured
Improvements/Renovation S$3.745 for every S$10,000 sum insured
Contents S$26.75 for every S$10,000 sum insured
Valuables and Jewellery*
[Coverage anywhere in Singapore]
[Total value should not be more than 50% of sum insured on contents]
S$107 for every S$10,000 sum insured

*For articles whose value is more than S$1,000, you need to provide a list of items and the amount to be insured.

If you are going for the flexible plan, the minimum premium payable would be S$53.50. If you choose 2 of the 4 coverages from the above table, you will receive complimentary Family Worldwide Accidental Protection, S$50,000 insured for Worldwide Personal and Family Liability, and Emergency Home Assistance.

Things to Keep in Mind Before You Apply

  • For accidental damage claims, an additional S$100 fee will be applicable.
  • Under ‘Contents’, each item is insured up to a maximum of S$1,000. The total value of the items should not exceed one-third of the sum insured.
  • You must declare to the company of any claims made in the previous three years.
  • You get a loyalty discount of 10% on your first renewal and the next two renewals if you haven’t made any claims in the preceding years.

How to Apply for a Policy

  • On the official EQ Homeguard home page, you will find their address and phone number. You should contact them for assistance.
  • You can also email them or submit a feedback form, from the links provided on the home page, and they will get in touch with you.


Q. How much do I insure my property for?

A. The insurance amount should not be less than the full cost of replacement of your damaged or destroyed property.

Q. What insurance coverage can I take as a tenant?

A. You can buy an insurance policy to cover your contents and valuables.

Q. Will I get a refund if I cancel my policy?

A. You will be charged a portion of the premium for the period covered if there have not been any claims. You will not get any refund if you have made claims.

Q. If I buy some new items, how can I insure them?

A. You can contact the authorities concerned, and they will help you get coverage for an additional premium amount.

Q. If I lock and park my bicycle outside the house, will it be covered under the insurance policy?

A. No, it will not be covered even though it is locked.

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