ST&T Takaful

Home Protection Insurance
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United Home Protection Insurance is a comprehensive insurance package designed to protect your assets within your residential premises. Our insurer (UOI) are pleased to advise that they have enhanced the coverage at no additional cost to you!

Table of Benefits and Premiums
Benefits	Plan A (S$)	Plan B (S$)	Plan C (S$)	Plan D (S$)

1. Household Contents (*including valuables), improvement and renovations	50,000	100,000	150,000	200,000
	* Limit per article: S$1,000, unless separately specified on the Schedule and a sum insured placed on each item. This limitation shall not apply to furniture, piano, organs, household appliances, multimedia equipment and personal computer
2. Personal / Family Liability (Any one accident)	500,000	500,000	500,000	500,000
Free Coverages	(maximum limit per claim)
a. Cost of temporary accommodation	5,000	10,000	15,000	20,000
b. Architects' & Legal fees, cost of debris removal & fire extinguishments	5,000	10,000	15,000	20,000
c. Domestic Servants' Property	500	1,000	1,500	2,000
d. Refrigerated Food	500	500	500	500
e. Accidental Death whilst in premises / on compound
(a) Insured	5,000	10,000	15,000	20,000
(b) Spouse	5,000	10,000	15,000	20,000
(c) Child(ren)	5,000	5,000	5,000	5,000
+ Hospital cash benefits	Nil	Nil	100/family	100/family
(max 60 days)			/day	/day
+ Aggregate limit per family	50,000	50,000	50,000	50,000
Enhanced Cover from (f) to (i)
f. Replacement of locks and keys following a break-in	500	500	500	500
g. Damage to awning, blinds and signs	1,000	1,000	1,000	1,000
h. Damage to household contents temporarily removed by Professional Removers	5,000	5,000	5,000	5,000
i. Accidental death of domestic pedigree pet	500	500	500	500
Annual Premium (subject to 7% GST)	108	204	312	408
Optional Cover (with additional premium)
On building (excluding foundation)	Please advise sum insured Premium: S$3.50 per S$10,000 (for Class I construction)
On valuables (anywhere within Singapore)
(a) Unspecified article(s)	Please advise the sum insured Limit per article: S$2,500 Premium: Subject to Underwriting
(b) Specified article(s)	Please advise the list of articles to be insured and respective sum insured. Premium: Subject to Underwriting

The above is a brief explanation of the coverage and not a contract of insurance. The specific details applicable to this insurance are set out in the Policy which is the operative document. Terms, Conditions and Exclusions of the policy apply.

Free Coverages

(a) Cost of temporary accommodation
This insurance will pay for the cost of temporary accommodation incurred as a result of the premises being rendered uninhabitable by any of the Insured Event.

(b) Architects' & legal fees, cost of debris removal and fire extinguishments
This insurance will pay for the necessarily fees or costs incurred in the repair or reinstatement of damage to the Contents arising from any of the Insured Event.

(c) Domestic servant's property
This insurance will pay for the loss of or damage to your domestic servant's clothing and personal effects (other than cash, currency notes, bank notes and stamps) arising from any of the Insured Event.

(d) Refrigerated food
This insurance will pay for the loss of or damage to food contained in a refrigeration unit caused by deterioration or putrefaction resulting from:
(i) breakdown or explosion of such refrigeration unit or non-operation of any thermostatic or automatic controlling devices pertaining to it;
(ii) failure of the supply of electricity

(e) Accidental death whilst in premises/ on compound
This insurance will pay a lump sum benefit in the event of a fatal accident to the Insured, the Insured's legal spouse or children occurring in the premises occasioned by outward and visible violence caused by thieves or fire.

Enhanced Cover [from (f) to (i)]
(f) Replacement of locks and keys following a break-in
This insurance will pay for the replacement of locks and keys of all external doors following a break-in.

(g) Damage to awnings, blinds and signs
This insurance will pay for the loss of or damage to the awnings, blinds and signs or other outdoor fixtures or fittings of any description as result of an Insured Event.

(h) Loss of or damage to household contents temporarily removed by professional removers
This insurance will pay for the accidental loss of or damage to your household contents in the course of removal which are packed by professional packers/ removal between the Insured's premises and the new permanent residence within Singapore.

(i) Accidental death of domestic pedigree pet
This insurance will pay you for the cost of replacing the domestic pedigree pet(s) in respect of accidental death caused by violent external and visible means, occurring whilst it is confined within the Insured's premises.

Optional Insurance Cover
There are 2 optional insurance covers which you may wish to consider;
(i) On building excluding foundation (Insured Events will be the same as for Contents)
(ii) On valuables (It is an All Risks cover for anywhere in Singapore.

Definition of Contents

All contents of every description and tenants' fixtures and fittings at the premises and belonging to you (or for which you are legally responsible) or to members of your family when permanently residing with you, including the following valuable articles:

a) Cash and other negotiable securities, travel tickets, credit cards, deeds, documents, stamp collections, manuscripts, medals and coins, all whilst held for private purposes, to an amount of S$500 in total, unless separately specified in the Schedule and a sum insured placed on each item.
b) Curios, pictures or other works of art, furs, jewellery, jade, gemstones, watches, gold or silver objects, to a maximum any one item of S$1,000 or 5% of the sum insured on Contents, whichever is the greater, unless separately specified on the Schedule and a sum insured placed on each item.

Contents do not include:
Livestock, motor vehicles, motor cycles, caravans, trailers, boats, aircraft or their accessories whilst in them or on them.

Application Details

You may call us at 6396 0880 during business hours or visit us at 390 Victoria Street #01-30 Golden Landmark Singapore 188061.

Alternatively you may download the Application Form (PDF: 46KB) and return to us via fax at 6293 6388 or mail to us.

For further enquiries, you may email to us for follow up.