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home-insurance-singapore

5 Best Home Insurance Agencies in Singapore That Make Your Home Feel Safer than a Blanket Fort

  • Comprehensive coverage - We searched for insurance policies that offer protection against a wide range of incidents, such as fire, theft, natural disasters, and water damage. We delved into the details to ensure the policies cover the essentials and those unexpected surprises life might throw your way.
  • Affordable pricing - We analyzed and compared premiums from different agencies to ensure we're getting the best value for money. Balancing cost and coverage is key; we've made sure the policy is priced competitively without compromising on essential protections.
  • Claims process - We looked into how straightforward and quick it is to file a claim. A seamless and hassle-free claims process is a priority, ensuring you get the support you need when you need it most.
  • Customer service - By interacting with customer service teams, we gauged their responsiveness and helpfulness. Getting clear, concise answers and support is crucial for peace of mind.
  • Additional benefits and riders - We sought out policies offering additional benefits or riders—like coverage for personal belongings, home renovations, or alternative accommodation if your home becomes uninhabitable.
  • Customization options - We looked for agencies that allow for policy customization to suit specific needs. Tailoring coverage ensures your individual circumstances and requirements are fully addressed.
  • Financial stability - We reviewed the agency’s financial ratings and industry standing to ensure they have the capacity to pay out claims reliably.

In Singapore, our homes are our sanctuaries, so protecting them from unexpected surprises—like your cat trying out some gravity-defying stunts or a sudden indoor waterfall from a burst pipe—is an absolute lifesaver.

That’s why finding the right home insurance agency that meets your needs, understands local quirks, and covers all the potential mishaps is so important.

Join me as we dive into some of the best home insurance agencies in Singapore. We’ll explore the ones that not only protect our homes but also give us peace of mind for everything from kitchen mishaps to the occasional pet adventure.

Welcome to the journey of finding the perfect protection for your home sweet home—which might finally let you sleep easy without those runaway barbecue nightmares.

1. Accord Insurance Agency

accord-insurance-agency

Services: Home Insurance, Travel Insurance, Car Insurance, Personal Insurance, Corporate and Group Insurance

Location: 48 Toh Guan Rd E, #01-151 Enterprise Hub

Contact: +65 6469 3922

Business hours:

  • Monday to Saturday – 9:00 AM to 7:00 PM
  • Sunday – Closed

Website

Google reviews score5/5
Facebook  reviews score5/5
Total reviews5/5
Score consistency 5/5
Comprehensive coverage4/5
Affordable pricing4.6/5
Claims process4.9/5
Customer service4.9/5
Additional benefits and riders4.8/5
Customization options4.8/5
Financial stability4.7/5

Accord Insurance Agency offers comprehensive home insurance coverage, which includes protection against fire, wind, hail, and theft.

One thing we love is how easy they make the claims process. They’ve got high approval rates, so after you pay your deductible, they take care of the rest. 

Plus, they protect your stuff, like jewelry, electronics, and clothes, so your valuables are safe too. If your home needs repairs and you’ve got to stay elsewhere, they even cover things like hotel costs.

And if someone gets hurt on your property and you end up in a lawsuit, they’ve got your legal fees covered as well.

It’s important to note that this agency doesn’t cover natural disasters like tsunamis or earthquakes or damage from mold. However, their tailored policies ensure you get the coverage you need based on your individual requirements.

Pros

  • Provides comprehensive coverage
  • High claim approval rates
  • Hassle-free claims process
  • Protection for personal belongings
  • Coverage for additional living expenses 
  • Legal fee coverage
  • Tailored policies

Cons

  • No coverage for natural disasters and mold damage

Lower rates and highly professional
“I was recommended to Accord by a friend who said they can get a better rate than most agencies and they are pretty honest folks. To my delight, the new quote they got me is around 25% lower than the old one that I have for many years, even with no claims bonus. Very professional and prompt service, well done!”

WL S, Google Review

Reliable long-term partner
“I found Accord online by chance n the quote was much cheaper than my insurance company. I was skeptical at first but after talking to Oliver n their staff, I took the chance. Since then, I never look back after a few car accidents, Accord took care of everything n I have been with them for many years.”

Kim Choo, Google Review

2. Multi-Lines Agencies

multi-lines-agencies

Services: Private Home Owner Insurance, HBD Owner Insurance, SME/Business Insurance, Motor Insurance, Travel Insurance, Personal Accident Insurance, Golfer’s Insurance, ID Guard/Credit Card Fraud Insurance, Fire Insurance, Theft Insurance, Money Insurance, Liability Insurance, Foreign Worker Bond Insurance, Marine Cargo Insurance, etc.

Location: 78 Shenton Wy

Contact: +65 9820 4276

Business hours:

  • Open 24 hours

Website

Google reviews score5/5
Facebook  reviews score5/5
Total reviews5/5
Score consistency 5/5
Comprehensive coverage4.8/5
Affordable pricing4.6/5
Claims process4/5
Customer service4.5/5
Additional benefits and riders4.8/5
Customization options4.8/5
Financial stability4.6/5

One of the best things about Multi-Lines Agencies is their AIG Enhanced Public Housing Content Insurance (EPHCI) for HDB owners.

This covers both your building and its contents, with options for 1- or 5-year plans. We heard from a policyholder who loves it because it takes care of her home contents and renovations, which is perfect for her apartment.

If you own a private home, they’ve got the AIG Homes Advantage Package Plan. It offers all-risk home content coverage, a first-loss policy, and even complimentary worldwide personal liability coverage of S$1,000,000. 

You can pick from three pre-packaged plans and add extras like identity fraud protection or bicycle cover. These policies are underwritten by AIG Asia Pacific Insurance Pte Ltd, so you’re in safe hands.

However, since the insurance is underwritten by AIG, their claim process could involve dealing directly with AIG, instead of Multi-Lines.

Pros

  • Covers building and contents for HDB owners
  • Offers 1 or 5-year plan options
  • All-risk home content coverage
  • First-loss policy,
  • Complimentary personal liability
  • Option to add extra coverage
  • Policies are underwritten by AIG Asia Pacific Insurance 

Cons

  • Claims process may require dealing with AIG directly

Top-notch customer service
“I’ve been a customer of Multi-Lines Agencies for several years now, and I couldn’t be happier with their service. From the very beginning, they have consistently gone above and beyond to meet my insurance needs. Customer Service (5/5): The team at Multi-Lines Agencies is incredibly responsive and helpful. Whenever I have a question or need assistance, they’re just a phone call or email away. Their customer service is top-notch, and they make me feel valued as a client. Coverage Options (5/5): Multi-Lines Agencies offers a wide range of insurance products, and they took the time to help me find the policies that best suit my needs. They made sure I had comprehensive coverage without overpaying for unnecessary extras. Claims Processing (5/5): Fortunately, I haven’t had to file many claims, but when I did, the process was smooth and hassle-free. Multi-Lines Agencies helped expedite the claims, ensuring I received the support I needed during stressful times. Competitive Pricing (5/5): What I appreciate most is that they provide excellent coverage at competitive prices. I’ve compared quotes with other companies, and Multi-Lines Agencies consistently offers the best value. Overall Experience (5/5): Multi-Lines Agencies has made insurance easy and stress-free. Their professionalism, expertise, and commitment to their clients are unmatched. I wholeheartedly recommend them to anyone in need of insurance services. I’m genuinely grateful for the peace of mind Multi-Lines Agencies has given me through their outstanding service and coverage. They truly deserve all five stars!”

David Chia, Google Review

Detailed assistance
“Im incredibly impressed with Leonard’s service! He guided me through the entire process with patience and thoughtful attention to my needs. He was meticulous in explaining every detail, taking necessary precautions, and helping me understand how things would work out. Leonard even anticipated future considerations, which made me feel very secure in his guidance. Totally recommended!

Nic.e Design, Google Review

3. AKGI

akgi

Services: Home & Luxury Insurance, Vehicle Insurance, Gold Insurance, Pet Insurance, Maid Insurance, Group & Travel Insurance, Foreign Work Insurance, Employee Insurance, Group Insurance, Work Injury Compensation Insurance, Financial Lines Insurance, Property Insurance Liability Insurance, SME Insurance Packages, Vehicle Insurance, Marine Insurance, etc.

Location: 77 High Street 09-08 High Street Plaza

Contact: +65 6656 3626

Business hours:

  • Monday to Friday – 9:00 AM to 6:00 PM
  • Saturday to Sunday – Closed

Website

Google reviews score5/5
Total reviews5/5
Score consistency 5/5
Comprehensive coverage4.9/5
Affordable pricing4.8/5
Claims process4.8/5
Customer service4.3/5
Additional benefits and riders4.3/5
Customization options4.8/5
Financial stability4.5/5

AKGI offers home insurance that covers everything from the basics, like your home’s contents, fixtures, and fittings, to special luxury items like jewelry, watches, and collectibles.

Their contents, fixtures, and fittings policy protects your belongings against fire, flood, and other unexpected events. It’s great if you want to ensure your home’s contents and memories are safe.

For those with high-value items, their jewelry and watch insurance offers protection against accidental loss, theft, and even mysterious disappearances. And if you have a prized collection of handbags, art, or wine? They can cover that too.

What we like most about this agency is their policy flexibility—they offer personalized options that cater to HDB, private apartments, and landed properties. This means you can get something that fits your specific living situation.

One downside, however, is that AKGI doesn’t have a mobile app for quick access to your policies and to manage claims on the go, which some other providers do offer.

Pros

  • Provides comprehensive coverage
  • Protection against unexpected events
  • Special insurance for high-value items
  • Offers personalized insurance

Cons

  • Lacks a mobile application

Fast, efficient, and unwavering

“I purchased a small policy from Alison. Even though the amount is very small, she did not hesitate to answer my queries and the entire process was a breeze! I completed my purchase within the same day. At the time of writing, I am still waiting for a call from one large insurance company for the same policy even though I contacted them first. Kudos to great service!”

Ernest Fok, Google Review

Outstanding relationship skills
“Ms. Alison is the one! She has outstanding people relation skills. She is a great coordinator and listener.  Super pleased with her services!  We will not hesitate to recommend Alison to our friends or anyone that needed to purchase insurance. Thank you so much Alison!”

Aye Mu, Google Review

4. Meta Agency Pte Ltd

meta-agency-pte-ltd

Services: Home Insurance, Car Insurance, Travel Insurance, Maid Insurance, Commercial Insurance, and Employee Benefits

Location: 12 Woodlands Square, #02-72 Woods Square Tower 1

Contact: +65 8890 5277

Business hours:

  • Monday to Friday – 9:00 AM to 6:00 PM
  • Saturday to Sunday – Closed

Website

Google reviews score5/5
Trustindex reviews score5/5
Total reviews5/5
Score consistency /5
Comprehensive coverage4.7/5
Affordable pricing4.6/5
Claims process4.8/5
Customer service4.7/5
Additional benefits and riders4.9/5
Customization options4.8/5
Financial stability4.7/5

Meta Agency’s home insurance comes packed with a bunch of great benefits. They take care of everything—from your building’s fixtures and fittings to any renovations—if they’re damaged by something covered in your policy.

One thing we love about them is their coverage for loss of rent and alternative accommodation costs. If something happens and you can’t live in your home, they’ll help cover the cost of a temporary place to stay. 

A policyholder we spoke with found this super helpful when her apartment got water-damaged. The agency helped her stay in a hotel for a few days.

And here’s a nice perk: if you sign up for a 3-year plan, you get a 5% discount. Plus, they’ll boost your coverage for your home’s fixtures, fittings, contents, and even personal liability worldwide.

One thing to consider, though, is that while they promise the lowest quotes, the extensive options across different insurance products could be a bit overwhelming for some.

Pros

  • Covers fixtures, fittings, and renovations
  • Loss of rent and alternative accommodation
  • Emergency support
  • 5% discount on 3-year plans
  • Increased worldwide coverage

Cons

  • Extensive options could be overwhelming

Above and beyond service
“Pei Hua really went above and beyond to provide me with excellent customer service! Its great to notice that she prioritized building great relationship with customer than just pushing for a sale. That kind of approach can make a big difference in customer experience. She deserves some recognition! Meta also offers the cheapest deal amongst others. cheap + best customer experience, couldnt ask for more!”

MD Danial, Google Review

Excellent service
“Spoke to Joyce. Excellent service and managed to get me a better quote. I am surprised as I thought I could get a better deal on my own online. Highly Recommended. Maybe meta can think of better ways to get NRIC numbers from prospects, a bit scary to furnish this online.”

Pete Tan, Google Review

5. Ensure Agency Pte Ltd

ensure-agency-pte-ltd

Services: Home Insurance, Travel Insurance, Motor Insurance, Maid Insurance, Personal Accident Insurance, Health Insurance, Critical Illness Insurance, Golf Insurance, Property Insurance, Marine Insurance, etc.

Location: 38 Toh Guan Road East #01-57 Mezzanine Floor

Contact: +65 6515 5988

Business hours:

  • Monday to Saturday – 9:00 AM to 6:00 PM
  • Sunday – Closed

Website

Google reviews score5/5
Facebook reviews score5/5
Total reviews5/5
Score consistency 5/5
Comprehensive coverage4.9/5
Affordable pricing4.6/5
Claims process4.5/5
Customer service4.7/5
Additional benefits and riders4.5/5
Customization options4/5
Financial stability4.7/5

Ensure Agency is doing things a bit differently with their home insurance. They’ve got this 24-hour Home Emergency Assistance Service—which we find helpful when surprises pop up.

They also make sure you and your family have worldwide personal liability coverage, which even covers property owners.

Another great perk is the reimbursement for home cleaning expenses following an infectious disease outbreak at home, which feels especially relevant nowadays. Plus, if you’re a tenant, they’ve got your liability covered too.

Their goal is to offer creative insurance solutions paired with top-notch customer service. They really take the time to understand what you need and match you with the right coverage. 

However, since they offer so many types of insurance, their home insurance might not be as fine-tuned as those from companies that focus only on home coverage. It’s something to keep in mind when weighing your options.

Pros

  • 24-hour Home Emergency Assistance
  • Worldwide personal liability coverage
  • Inclusive property owners’ coverage
  • Reimbursement for home cleaning
  • Tenant liability coverage
  • Creative insurance solutions
  • Personalized coverage matching

Cons

  • Home insurance may lack specialization

Great team, highly adaptable
“Ensure Insurance Agency is a very nice agency, the agent – Coffee Peng , Chicken Rice , Cong Xi Fa Chai and Jason is a very responsible agent. they will reply to anything in time.At the same time, they are also very flexible. When we have more complex cooperation, they can come up with the best way to communicate with our company, which brings us a lot of help.”

Yongkiang Lim, Google Review

Expert guidance and support
“I’ve been working with Ms Vivian from Ensure for a few years now, and I have always been impressed with her level of service and expertise. She is always very helpful and responsive, and she always goes the extra mile to make sure that I have the right coverage for my needs. I highly recommend her to anyone looking for an insurance agent. Thank you for all your help, Ms Vivian.”

Shini Allbest, Google Review