What is TM Flexi-Home Enhance policy?

Your Home and Contents are prized possessions in this vibrant city, and they are constantly exposed to numerous uncertainties that can wreak emotional and financial havoc upon You and Your Family.

TM Flexi-Home Enhance is designed to bring You the essential protection for Your assets and lifestyle under one single Policy.

Protect Yourself and Your loved ones from life’s uncertainties with TM Flexi-Home Enhance today!

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

Key coverage

Here is an overview of your coverage

Standard Cover

Standard Cover

TM Flexi-Home Enhance gives you the following protection subject to the Sections and limits you have selected:

Section One: Building cover*
Depending on your choice of coverage, provides cover for loss or damage to Your Building caused by an Accident or a Named Peril during the Policy Period

Section One comes with the following extensions automatically!

  •  Workmen Clause
  • Cover prior to Sale Completion/Possession
  • Professional Fees – Architects, Surveyors and Consultant Engineers
  • Cost of Temporary Protection
  • Cash Relief for Uninhabitable  Building
  • Reimbursement of Conservancy Charges
  • Cost of Alternative Accommodation or Loss of  Rent
  • Fire Extinguishing Costs
  • Removal of Debris


Section Two: Contents cover**
Provides cover for loss or damage to Contents caused by an Accident whilst contained in the Building during the Policy Period

Section Two comes with the following extensions:

  • Loss or Damage to Motorized Pedal Cycles
  • Pet Dog Cover
  • Food in Refrigeration Unit
  • Temporary Removal of Contents
  • Temporary Removal of Personal Effects and Valuables
  • Household Removal by Professional  Movers
  • Contents of Children Studying Full-Time in  Universities
  • Contents stored in Self-Store Facility
  • Cost of Alternative Accommodation or Loss of  Rent
  • Fire Extinguishing Costs


Section Three: Worldwide Family Liability (Excluding USA/Canada)
Covers against claim from Third Party for property damage or bodily injury caused to them which You and Your Family is/are legally liable.

The following extensions is included in this section:

  • Food and Drink Poisoning
  • Pollution or Contamination Liability
  • Pet Dog Liability
  • Property Owner and Tenant Liability


Section Four: Personal Accident
Covers You and Your Family against death or permanent disability as a result of an accidental injury.

These extensions below come automatically in this section:

  • Mobility Enhancement
  • Exposure and Disappearance
  • Hijack
  • Drowning or Suffocation
  • Murder and Assault
  • Riot and Civil Commotion



*/** You must purchase cover at least for either Building cover or Contents cover. Covers for Worldwide Family Liability (Excluding USA/Canada) and Family Personal Accident will automatically apply as the case may be. 

**If the Building is lent let or sublet by You, Section Two is covered on a Named Peril basis and certain automatic extensions will not be applicable. Please contact our insurance agents for further details.

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

Key Exclusions applicable to Section One

➢        Loss or damage caused by the use of unsuitable materials, or faulty workmanship or design.
➢        Loss or damage caused by cleaning, repair, renovation, or any similar process
➢        Anything which happens gradually, such as wear and tear or gradual deterioration.
➢         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.

Key Exclusions applicable to Section Two

➢        Your failure to take due care and precaution to safeguard and protect Your Contents
➢        Damage to equipment, musical instruments or the like whilst in use

Key Exclusions applicable to Section Three

➢        Liability for injury to You, members of Your Family, Your domestic helper for damages to any of their property
➢        Any contractual liability except for landlord and tenant contract, but only if You are legally liable if the contract had not existed
➢        Liability arising out of any goods or products designed, manufactured, altered, repaired, serviced, sold, or distributed by You

Key Exclusions applicable to Section Four

➢        Pregnancy, miscarriage or any complications thereof and/or pre-existing defects or infirmity.

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.
  • 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.



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.

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