What is FlexiHome policy?

FlexiHome policy is designed to bring you all the essential protection for your assets and lifestyle under one roof. Insure your home and/or contents with us and you can have peace of mind knowing that you will be taken care of if the unexpected happens. Flexi-Home's comprehensive coverage will help you get back on track sooner.

  • Flexi-Home is a flexible policy package that is suitable for all types of private dwellings - all landed properties, condominium properties, walk-up apartments or HDB flats.

Key coverage

Here is an overview of your coverage

Standard Cover

Standard Cover

FlexiHome gives you the following protection subject to the limits you have selected:

  • Section 1: Building cover*
    Covers damage to your premises caused by fire or other defined events
  • Section 2: Contents cover*
    Covers accidental loss or damage:
    • To your contents in the premises
    • To your contents when they are temporarily removed from the premises
    • To personal effects anywhere in Singapore
  • Section 3: Family liability
    Covers the amount you and your family are legally liable to pay as compensation for bodily injury and/or property damage occurring within Singapore
  • Section 4: Family personal accident
    Covers you and your family members against death or permanent disability as a result of accidental injury
  • Section 5: Other benefits
    Provides additional protection for:
    • Cost of alternative accommodation or loss of rental
      Covers reasonable cost for alternative accommodation or loss of rental while the premises cannot be lived in due to damage covered by Section(s) 1 and/or 2 
    • Conservancy charges
      Pays for conservancy charges you are liable during the period (up to 3 months) necessary to reinstate the premises to a habitable state
    • Removal of debris
      Covers cost of removal of debris, dismantling of damaged parts of the premises
    • Fire extinguishing expenses
      Pays for cost of replenishing fire fighting appliances used or destroyed during the occurrence of an insured event under Section(s) 1 and/or 2
    • Food in refrigeration unit
      Covers damage to food stored in refrigeration unit as a result of breakdown or explosion of such unit or failure of its thermostatic or automatic controlling devices or disruption of electrical supply 
    • Pet dog
      Covers cost of replacing your pet dog killed by accident
* You must purchase cover at least for either Building cover or Contents cover. Covers for Family liability, Family personal accident, and Other benefits will automatically apply as the case may be.

How much is my premium?

Your premium may vary, depending on:

  • The cover selected
  • The coverage amount
  • Our underwriting requirements

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What we don’t cover (General Exclusions applicable to all Sections)

  • War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power
  • Use, existence or escape of nuclear weapons material or ionising radiation from or contamination by radioactivity from any nuclear fuel or nuclear waste from the combustion of nuclear fuel.
  • Lawful seizure, detention, confiscation or nationalisation or requisition of destruction of property by or under the order of any government or public or local authority
  • Acts of terrorism
  • Asbestos in whatever form or quantity
  • The failure or inability of any computer, electronic equipment, data processing or media, embedded chip, integrated circuit or similar device or firmware or any computer software occurring at any time to:
    • Correctly recognise any date as its true calendar date
    • Capture, save or retain, and/or correctly to manipulate, interpret or process any data or information or command or instruction as a result of treating any date otherwise than as its true calendar date
    • Capture, save, retain or correctly to process any data as a result of the operation of any command which has been programmed into any computer software, being a command which causes the loss of data or inability to capture, save, retain or correctly process such data or the inability on or after any date.
  • Except as specifically provided otherwise, this policy does not cover:
    • Consequential loss of any kind
    • Legal liability to pay compensation 
    • Fines, penalties or exemplary damages whatsoever


This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this Policy. 

Important information

This insurance is underwritten by Tokio Marine Insurance Singapore Ltd. All benefits and features mentioned here are subject to the terms and conditions of the policy. Please refer to the policy contract for the precise terms and conditions of this insurance plan. The information shown here is for reference only.