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Compare the Best AIG Home Insurance Policies in Singapore 2025

Get the best HDB and private AIG home insurance policies for your needs using MoneySmarts easy to use a comparison calculator Read More
Looking for 1 Year Policy Max Content Coverage: S$300,000
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We found 11 AIG Home Insurances for you!
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AIG Homes Essential (formerly EPHCI)

Annual Premium

S$75.76

MoneySmart Exclusive
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AIG Homes Essential (formerly EPHCI)

Building Coverage
Up to S$100,000
Household Contents and Renovations
S$150,000
Personal Liability within Singapore
S$400,000
Annual Premium
S$75.76

[SmartRewards | [MoneySmart Exclusive]
     
Choose between Cash up to S$250 via PayNow OR up to 4,070 SmartPoints with an eligible AIG Home Insurance purchased. T&Cs apply.
     
Use SmartPoints to redeem your favourite product from our Rewards Store today.

Valid until 23 Apr 2025 - See more details below
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AIG Homes Advantage - Premier

Annual Premium

S$401.94

MoneySmart Exclusive
Free 24/7 Home Assistance for Everyday Emergencies
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AIG Homes Advantage - Premier

Building Coverage
S$225,000
Household Contents
S$50,000
Worldwide Personal Liability
S$1,000,000
Annual Premium
S$401.94

[SmartRewards | [MoneySmart Exclusive]
     
Choose between Cash up to S$250 via PayNow OR up to 4,070 SmartPoints with an eligible AIG Home Insurance purchased. T&Cs apply.
     
Use SmartPoints to redeem your favourite product from our Rewards Store today.

Valid until 23 Apr 2025 - See more details below
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AIG Homes Essential - 5 Room (formerly EPHCI)

Annual Premium

S$75.76

MoneySmart Exclusive
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AIG Homes Essential - 5 Room (formerly EPHCI)

Building Coverage
S$76,000
Household Contents and Renovations
S$150,000
Personal Liability within Singapore
S$400,000
Annual Premium
S$75.76

[SmartRewards | [MoneySmart Exclusive]
     
Choose between Cash up to S$250 via PayNow OR up to 4,070 SmartPoints with an eligible AIG Home Insurance purchased. T&Cs apply.
     
Use SmartPoints to redeem your favourite product from our Rewards Store today.

Valid until 23 Apr 2025 - See more details below
Apply Now
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AIG Homes Essential - 4 Room (formerly EPHCI)

Annual Premium

S$75.76

MoneySmart Exclusive

AIG Homes Essential - 4 Room (formerly EPHCI)

Building Coverage
S$69,500
Household Contents and Renovations
S$150,000
Personal Liability within Singapore
S$400,000
Annual Premium
S$75.76

[SmartRewards | [MoneySmart Exclusive]
     
Choose between Cash up to S$250 via PayNow OR up to 4,070 SmartPoints with an eligible AIG Home Insurance purchased. T&Cs apply.
     
Use SmartPoints to redeem your favourite product from our Rewards Store today.

Valid until 23 Apr 2025 - See more details below
Apply Now
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AIG Homes Essential - 3 Room (formerly EPHCI)

Annual Premium

S$75.76

MoneySmart Exclusive

AIG Homes Essential - 3 Room (formerly EPHCI)

Building Coverage
S$42,000
Household Contents and Renovations
S$150,000
Personal Liability within Singapore
S$400,000
Annual Premium
S$75.76

[SmartRewards | [MoneySmart Exclusive]
     
Choose between Cash up to S$250 via PayNow OR up to 4,070 SmartPoints with an eligible AIG Home Insurance purchased. T&Cs apply.
     
Use SmartPoints to redeem your favourite product from our Rewards Store today.

Valid until 23 Apr 2025 - See more details below
Apply Now
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AIG Homes Essential - 2 Room (formerly EPHCI)

Annual Premium

S$75.76

MoneySmart Exclusive

AIG Homes Essential - 2 Room (formerly EPHCI)

Building Coverage
S$26,500
Household Contents and Renovations
S$150,000
Personal Liability within Singapore
S$400,000
Annual Premium
S$75.76

[SmartRewards | [MoneySmart Exclusive]
     
Choose between Cash up to S$250 via PayNow OR up to 4,070 SmartPoints with an eligible AIG Home Insurance purchased. T&Cs apply.
     
Use SmartPoints to redeem your favourite product from our Rewards Store today.

Valid until 23 Apr 2025 - See more details below
Apply Now
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AIG Homes Essential - 1 Room (formerly EPHCI)

Annual Premium

S$75.76

MoneySmart Exclusive

AIG Homes Essential - 1 Room (formerly EPHCI)

Building Coverage
S$19,500
Household Contents and Renovations
S$150,000
Personal Liability within Singapore
S$400,000
Annual Premium
S$75.76

[SmartRewards | [MoneySmart Exclusive]
     
Choose between Cash up to S$250 via PayNow OR up to 4,070 SmartPoints with an eligible AIG Home Insurance purchased. T&Cs apply.
     
Use SmartPoints to redeem your favourite product from our Rewards Store today.

Valid until 23 Apr 2025 - See more details below
Apply Now
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AIG Homes Essential - Studio Apartment (formerly EPHCI)

Annual Premium

S$75.76

MoneySmart Exclusive

AIG Homes Essential - Studio Apartment (formerly EPHCI)

Building Coverage
S$37,500
Household Contents and Renovations
S$150,000
Personal Liability within Singapore
S$400,000
Annual Premium
S$75.76

[SmartRewards | [MoneySmart Exclusive]
     
Choose between Cash up to S$250 via PayNow OR up to 4,070 SmartPoints with an eligible AIG Home Insurance purchased. T&Cs apply.
     
Use SmartPoints to redeem your favourite product from our Rewards Store today.

Valid until 23 Apr 2025 - See more details below
Apply Now
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AIG Homes Essential - Executive / Multi-Generation (formerly EPHCI)

Annual Premium

S$75.76

MoneySmart Exclusive

AIG Homes Essential - Executive / Multi-Generation (formerly EPHCI)

Building Coverage
S$100,000
Household Contents and Renovations
S$150,000
Personal Liability within Singapore
S$400,000
Annual Premium
S$75.76

[SmartRewards | [MoneySmart Exclusive]
     
Choose between Cash up to S$250 via PayNow OR up to 4,070 SmartPoints with an eligible AIG Home Insurance purchased. T&Cs apply.
     
Use SmartPoints to redeem your favourite product from our Rewards Store today.

Valid until 23 Apr 2025 - See more details below
Apply Now
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AIG Homes Advantage - Superior

Annual Premium

S$290.76

MoneySmart Exclusive
Free 24/7 Home Assistance for Everyday Emergencies

AIG Homes Advantage - Superior

Building Coverage
S$135,000
Household Contents
S$35,000
Worldwide Personal Liability
S$1,000,000
Annual Premium
S$290.76

[MoneySmart Exclusive] 
 Get up to S$140 via PayNow with an eligible AIG Homes Advantage Insurance purchased. T&Cs apply.

Valid until 23 Apr 2025 - See more details below
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AIG Homes Advantage - Classic

Annual Premium

S$203.56

MoneySmart Exclusive
Free 24/7 Home Assistance for Everyday Emergencies

AIG Homes Advantage - Classic

Building
S$85,000
Household Contents
S$20,000
Worldwide Personal Liability
S$1,000,000
Annual Premium
S$203.56

[MoneySmart Exclusive] 
 Get up to S$140 via PayNow with an eligible AIG Homes Advantage Insurance purchased. T&Cs apply.

Valid until 23 Apr 2025 - See more details below
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Review of AIG Home Insurance Singapore

As one of the largest General Insurance companies in Singapore, AIG Asia Pacific Insurance Pte. Ltd. has been serving the Singapore community for over 7 decades, offering a range of insurance services including home insurance in Singapore.

AIG's home insurance comprises two different packages, along with coverage for HDB flat owners and private property owners, with affordable pricing and policyholder protection under the Policy Owners'; Protection Scheme.

In this review, let';s have a look at the coverage types, pros and cons and other relevant details of AIG's home insurance plans before you decide to get one.

AIG’s Home Insurance Coverage And Other Key Benefits

Home Contents Cover

AIG offers high home contents cover of up to S$150,000. This coverage helps protect your personal belongings, including furniture, electronics, and other valuable items inside your home.

Building Protection

AIG Home Insurance provides coverage for the structure of your home, helping to repair or rebuild in case of damage or destruction caused by insured events such as fire, lightning, or burst pipes.

Personal Liability Coverage

AIG Home Insurance includes personal liability coverage, which protects you financially if you are liable for causing accidental bodily injury or property damage to others.

Loss of Use Coverage

If your home becomes uninhabitable due to insured events, AIG will provide coverage for alternative accommodation and related expenses while repairs are being made.

Enhanced Public Housing Contents Insurance (EPHCI)

AIG offers this coverage specifically for HDB homeowners in Singapore. It provides basic cover for home contents and renovations, as well as additional benefits such as coverage for utility bills in unforeseen events like retrenchments.

Pros and Cons of AIG Home Insurance

Pros

  • All AIG Home Insurance policies are protected under the Policy Owners' Protection Scheme (PPF) which is administered by the Singapore Deposit Insurance Corporation (SDIC), unlike certain policies offered by providers like IKEA, Singlife and Income Insurance
  • Bill Relief Protector covers utility bills in unforeseen events including retrenchment
  • Convenient and quick home insurance purchase via AIG's website or AIG SG mobile app
  • Seamless and cashless claims reimbursement
  • Coverage for worldwide personal effects and identity fraud, unlike some plans by other insurers which only covers personal liability within Singapore
  • Customisable Homes Advantage plans allow flexibility to set preferred coverage, including for high-value items above S$10,000.
  • 24/7 access to reliable locksmith, electrical assistance, plumbing, pest control and air-conditioner repair services

Cons

  • AIG's higher tiered insurance plans like AIG Homes Advantage Superior and Premier belong to the more costly range of home insurance plans in Singapore
  • Lesser add-on options as compared to other insurers like Great Eastern and FWD which extra coverage for pets, or even complimentary benefits like broadband services or cyber coverage
  • No zero excess benefit unlike other insurers' plans

AIG Home Insurance Claims

How do home claims work?

As with many other home insurers, before you request to make a claim with AIG, you’ve got to be clear of what type of plan you purchased, when did the incident occur, what home contents/items to claim for, and who is involved.

Here are 4 simple steps to submit your AIG home insurance claim

Step 1

Gather necessary documentation

Collect all the relevant documents related to your claim. This may include photographs of the damaged property, police reports (if applicable), receipts or invoices for repairs or replacements, and any other supporting evidence.

Step 2

Contact AIG about the incident

Inform AIG about the claim by contacting their customer service or claims hotline. Provide them with the details of the incident and the necessary documentation you have gathered. They will guide you through the claims process and may provide you with a claim form to fill out.

Step 3

Fill out the claim form

Complete the claim form accurately and provide all the required information. Ensure that you include details such as the date and time of the incident, a description of the damage, and any other relevant information requested on the form.

Step 4

Submit the claim form and documentation

Once you have filled out the claim form and gathered all the required documentation, submit them to AIG through the designated channel. This may include submitting the form online, through email, or by mail as instructed by AIG. Be sure to keep copies of all the documents for your records.

More Things To Know

AIG Home Insurance Refunds and Cancellations

If for any reason you decide to cancel any of your AIG home insurance policies, the refund premium shall be adjusted to the sum of 80% of the premium paid less the pro-rated refund premium. Note that you will not receive any refund of premium if on or before cancellation a claim has arisen; or you have not promptly paid the premium due.

You may also cancel your policy by writing to AIG via email or in person at AIG's Customer Service located at 78 Shenton Way, Level 1 Singapore 079120. The operating hours are from Mondays to Fridays, 9.00am to 5.00pm, excluding Public Holidays.

AIG Home Insurance Hotline and Feedback form
For AIG's 24-hour HomeCare services hotline, dial 6419 3008. Alternatively, you can reach AIG via their online enquiry and feedback form here.

Frequently Asked Questions

Which AIG plan should I get for my BTO or HDB flat?

AIG has a plan that is specially designed for public housing like HDB and BTO flats, and this plan is known as the AIG Enhanced Public Housing Contents Insurance plan. It provides coverage for essential contents inside public housing like HDB flats and BTO flats, protecting homes against events like fire, theft, and accidental damage.

Can I get a refund if I cancel my AIG home insurance plan?

Yes and no. It depends on the timing of your request for cancellation and refund. Your request will be subject to AIG’s review and approval, if you are eligible for a refund, the refund premium shall be adjusted to the sum of 80% of the premium paid less the pro-rated refund premium. Otherwise, you will not receive any refund of premium if on or before cancellation a claim has arisen; or you have not promptly paid the premium due.