<![CDATA[Home contents insurance coverage]]>I had one of this years ago… feel that I wasted my money though.

]]>https://forum.kiasuparents.com/topic/84215/home-contents-insurance-coverageRSS for NodeMon, 18 May 2026 09:53:21 GMTWed, 13 Jan 2021 17:24:00 GMT60<![CDATA[Reply to Home contents insurance coverage on Mon, 21 Sep 2020 11:07:28 GMT]]>This kind of insurance should be equipped at the property.

]]>https://forum.kiasuparents.com/post/1995826https://forum.kiasuparents.com/post/1995826Mon, 21 Sep 2020 11:07:28 GMT<![CDATA[Reply to Home contents insurance coverage on Mon, 21 Sep 2020 11:07:13 GMT]]>This kind of insurance should be equipped at the property.

]]>https://forum.kiasuparents.com/post/1995825https://forum.kiasuparents.com/post/1995825Mon, 21 Sep 2020 11:07:13 GMT<![CDATA[Reply to Home contents insurance coverage on Wed, 18 Nov 2015 23:47:57 GMT]]>this is one of the best insurance as well as personal accident for the insurance company because the payout as a cohort versus the premiums earned is so so so attractive.


which also means the probability of claims is very low.

having said that, it is better if you are renting out an investment property to purchase since you are not in control.

not just that, one month that you cannot rent out is loss income or loss opportunity cost, which affects your net rental yield for the year.

]]>https://forum.kiasuparents.com/post/1606379https://forum.kiasuparents.com/post/1606379Wed, 18 Nov 2015 23:47:57 GMT<![CDATA[Reply to Home contents insurance coverage on Sat, 14 Nov 2015 00:32:59 GMT]]>

starlight1968sg:
Jennifer

Speak to diff agents or even try the website CompareFirst may help

Yes, will do so.

Just checked CompareFirst, not for PA or Home Contents insurance plans.

]]>https://forum.kiasuparents.com/post/1604580https://forum.kiasuparents.com/post/1604580Sat, 14 Nov 2015 00:32:59 GMT<![CDATA[Reply to Home contents insurance coverage on Sat, 14 Nov 2015 00:24:26 GMT]]>Jennifer

Speak to diff agents or even try the website CompareFirst may help

]]>https://forum.kiasuparents.com/post/1604574https://forum.kiasuparents.com/post/1604574Sat, 14 Nov 2015 00:24:26 GMT<![CDATA[Reply to Home contents insurance coverage on Sat, 14 Nov 2015 00:23:41 GMT]]>I downloaded Aviva and NTUC Income personal accident plan from their website recently.


Noticed that Aviva covers injury arising from the accident from 365 days on and after the occurrence of the accident.

Whereas NTUC Income covers 180 days from the day of the accident.

Between these two plans, 365 days vs 180 days, is there any implications?

I notice the Aviva plan does not cover TCM treatments.

]]>https://forum.kiasuparents.com/post/1604573https://forum.kiasuparents.com/post/1604573Sat, 14 Nov 2015 00:23:41 GMT<![CDATA[Reply to Home contents insurance coverage on Sat, 14 Nov 2015 00:20:30 GMT]]>

hophlng:
Some of them provides coverage on personal accident, which I think is highly valuable as most accident happens at home. One of my niece fell and broke her arm, her parent file claims against the personal accident plan within the home insurance and was compensated.


Presently, I am looking at home contents insurance and personal accident insurance.

For the niece's case, I like to check with you the insurance provider and the policy name if it is comfortable for you to share via pm.

For personal accident plan, I prefer a plan that covers worldwide since my spouse travels often for business purposes.

If the personal accident plan can cover spouse and children, all the better.

]]>https://forum.kiasuparents.com/post/1604571https://forum.kiasuparents.com/post/1604571Sat, 14 Nov 2015 00:20:30 GMT<![CDATA[Reply to Home contents insurance coverage on Fri, 06 Nov 2015 06:06:48 GMT]]>Some of them provides coverage on personal accident, which I think is highly valuable as most accident happens at home. One of my niece fell and broke her arm, her parent file claims against the personal accident plan within the home insurance and was compensated.

]]>https://forum.kiasuparents.com/post/1601961https://forum.kiasuparents.com/post/1601961Fri, 06 Nov 2015 06:06:48 GMT<![CDATA[Reply to Home contents insurance coverage on Tue, 03 Nov 2015 01:22:24 GMT]]>Yes, i do buy home content insurance coverage for my home. from AIA.

]]>https://forum.kiasuparents.com/post/1600466https://forum.kiasuparents.com/post/1600466Tue, 03 Nov 2015 01:22:24 GMT<![CDATA[Reply to Home contents insurance coverage on Fri, 30 Oct 2015 14:48:53 GMT]]>I agree that this insurance is good especially if you have valuables and branded bags 😉

]]>https://forum.kiasuparents.com/post/1599623https://forum.kiasuparents.com/post/1599623Fri, 30 Oct 2015 14:48:53 GMT<![CDATA[Reply to Home contents insurance coverage on Thu, 29 Oct 2015 00:37:10 GMT]]>

Fanny1010:
I have this insurance too. Just to be safe rather than sorry.


Actually I would suggest for you to speak to an agent rather then follow a brochure and read from it. Cos brochures are usually very brief only. If you wan, I have a great agent that I can recommend to you. She has been in this line for more than 19 years and she did both my family's and my friend's insurance too. She is dedicated and not pushy and her product knowledge is the best. So if you need a referral just let me know.

Thank you.

Agree i should not rely on brochure only. Will speak to my agent soon.

]]>https://forum.kiasuparents.com/post/1598695https://forum.kiasuparents.com/post/1598695Thu, 29 Oct 2015 00:37:10 GMT<![CDATA[Reply to Home contents insurance coverage on Wed, 28 Oct 2015 23:59:13 GMT]]>I have this insurance too. Just to be safe rather than sorry.


Actually I would suggest for you to speak to an agent rather then follow a brochure and read from it. Cos brochures are usually very brief only. If you wan, I have a great agent that I can recommend to you. She has been in this line for more than 19 years and she did both my family’s and my friend’s insurance too. She is dedicated and not pushy and her product knowledge is the best. So if you need a referral just let me know.

]]>https://forum.kiasuparents.com/post/1598668https://forum.kiasuparents.com/post/1598668Wed, 28 Oct 2015 23:59:13 GMT<![CDATA[Reply to Home contents insurance coverage on Mon, 26 Oct 2015 23:22:27 GMT]]>

sparks:
I do. Usually it is a packaged policy that includes public liability cover. This is a valuable cover that protects you & family against claims from others, eg. if bamboo pole drop & injured someone below (in st news today ).


Yes, the mailer I received has public liability too. Need to check out who is covered- all members of the families?

]]>https://forum.kiasuparents.com/post/1597357https://forum.kiasuparents.com/post/1597357Mon, 26 Oct 2015 23:22:27 GMT<![CDATA[Reply to Home contents insurance coverage on Mon, 26 Oct 2015 15:07:31 GMT]]>I do. Usually it is a packaged policy that includes public liability cover. This is a valuable cover that protects you & family against claims from others, eg. if bamboo pole drop & injured someone below (in st news today ).

]]>https://forum.kiasuparents.com/post/1597307https://forum.kiasuparents.com/post/1597307Mon, 26 Oct 2015 15:07:31 GMT<![CDATA[Reply to Home contents insurance coverage on Mon, 26 Oct 2015 01:58:21 GMT]]>Thank you for the inputs.

]]>https://forum.kiasuparents.com/post/1596938https://forum.kiasuparents.com/post/1596938Mon, 26 Oct 2015 01:58:21 GMT<![CDATA[Reply to Home contents insurance coverage on Mon, 26 Oct 2015 01:05:38 GMT]]>I bought one home insurance some years back. Basically the basic insurance only covers the structure; for furnishings, you will have to buy separate (probably the home contents). Getting home contents at least will cover the cost of refurbishing the house with basics. Premium should be fairly low because the risk of it happening is very low. If you have very valuable stuff eg jewellery, expensive watches, best to make sure it’s included in your insurance writeup (wif pictures) - else they may dispute in event of loss.


If you were to cover for burglary, be careful with the wordings. My then agent told me her customer’s maid stole her things and insurance refused to pay because the maid used the home key (some story there I forgot) and thus there was no sign of break-in. If you leave keys in the door, too bad/too sad, insurance will say negligence and therefore cannot claim. Not sure if all companies are like that - so check and know what you are paying for.

]]>https://forum.kiasuparents.com/post/1596905https://forum.kiasuparents.com/post/1596905Mon, 26 Oct 2015 01:05:38 GMT<![CDATA[Reply to Home contents insurance coverage on Mon, 26 Oct 2015 00:48:55 GMT]]>

Jennifer:
slmkhoo:

We decided against it. Our home contents are not valuable in the monetary sense, and the things that we consider important are irreplaceable - photos, personal items etc. Paying the insurace for years doesn't seem worthwhile. But if you have more valuable things that you would want to replace, I guess it makes sense.



At present we are not covered, only the basic building n the building FF.

I received 2 letters in the mailbox, the Home contents insce covers renovation and other matters, not only personal possessions.

So makes me think whether we should buy one.

It really depends on how much the insurance cost is over the years compared with what you are likely to spend if anything happens, and the likelihood of that happening. How my husband and I decided was that it's actually not very likely that catastrophic damage will happen - there is a risk, of course, but HDB flats are sturdy, and Singapore is not prone to disasters. We haven't done fancy renovations and don't have very expensive contents, and most things are pretty old now! Even if everything has to be re-renovated and replaced, given the low likelihood, we decided against insurance. If it's less than catastrophic damage, replacing the affected items will probably be less than paying premiums for many years. I suppose you need to do your sums and see what your risk appetite is.

]]>https://forum.kiasuparents.com/post/1596891https://forum.kiasuparents.com/post/1596891Mon, 26 Oct 2015 00:48:55 GMT<![CDATA[Reply to Home contents insurance coverage on Mon, 26 Oct 2015 00:20:46 GMT]]>

slmkhoo:
We decided against it. Our home contents are not valuable in the monetary sense, and the things that we consider important are irreplaceable - photos, personal items etc. Paying the insurace for years doesn't seem worthwhile. But if you have more valuable things that you would want to replace, I guess it makes sense.


At present we are not covered, only the basic building n the building FF.

I received 2 letters in the mailbox, the Home contents insce covers renovation and other matters, not only personal possessions.

So makes me think whether we should buy one.

]]>https://forum.kiasuparents.com/post/1596875https://forum.kiasuparents.com/post/1596875Mon, 26 Oct 2015 00:20:46 GMT<![CDATA[Reply to Home contents insurance coverage on Sun, 25 Oct 2015 23:24:26 GMT]]>We decided against it. Our home contents are not valuable in the monetary sense, and the things that we consider important are irreplaceable - photos, personal items etc. Paying the insurace for years doesn’t seem worthwhile. But if you have more valuable things that you would want to replace, I guess it makes sense.

]]>https://forum.kiasuparents.com/post/1596861https://forum.kiasuparents.com/post/1596861Sun, 25 Oct 2015 23:24:26 GMT<![CDATA[Reply to Home contents insurance coverage on Sun, 25 Oct 2015 13:47:18 GMT]]>Some home mortgage insurance may includes the home contents, so do look into the details of your home mortgage insurance.

]]>https://forum.kiasuparents.com/post/1596811https://forum.kiasuparents.com/post/1596811Sun, 25 Oct 2015 13:47:18 GMT<![CDATA[Reply to Home contents insurance coverage on Sat, 24 Oct 2015 08:45:04 GMT]]>I did.

]]>https://forum.kiasuparents.com/post/1596306https://forum.kiasuparents.com/post/1596306Sat, 24 Oct 2015 08:45:04 GMT