Fire Insurance

Flat owners with HDB loans commencing on or after 1 September 1994 must buy and renew the HDB fire insurance for your homes, for as long as you have an outstanding HDB loan.


The HDB Fire Insurance Scheme was introduced to help relieve flat owners of the financial burden of repair work in the unfortunate event of a fire.

The HDB fire insurance covers the cost of reinstating damaged internal structures, fixtures, as well as areas built and provided by HDB. It does not include home contents such as furniture, renovations and personal belongings.

The current appointed insurer for the HDB Fire Insurance Scheme is FWD Singapore Pte Ltd and the insurance is valid for a 5-year period; renewal is done once every 5 years.

From 16 August 2019 to 15 August 2024, the 5-year premiums are as follows:

Flat Type 5-Year Premium
Sum Insured
Before 31 Dec 2022 
(including 7% GST)
From 1 Jan 2023
(including 8% GST)
1-room $1.62  $1.63 $29,000
2-room/ 2-room Flexi $2.71  $2.73 $48,700
3-room $4.87  $4.91 $60,400
4-room/ S1 $5.94  $5.99 $82,000
5-room/ S2/ 3-Generation $7.13  $7.19 $97,300
Executive/ Multi-Generation $8.10  $8.18 $106,200
Studio Apartment (Type A/ B) $2.71  $2.73 $48,700

Purchasing or renewing your HDB fire insurance

Flat buyers or existing owners with expiring HDB fire insurance can purchase or renew your policy at FWD's website. Renewal can also be done at any AXS kiosks. Alternatively, you can visit FWD's office at 6 Temasek Boulevard, #18-01 Suntec Tower Four, Singapore 038986 (Strictly by appointment only), or mail a cheque made payable to 'FWD Singapore Pte Ltd' at this address, along with this completed form.

For enquiries, you can call FWD Singapore Pte Ltd at 6820-8888 (Mondays to Fridays, 9:00am-10:00pm & Saturdays, 9:00am-1:00pm, excluding public holidays), email them at or visit their website.

Extending protection beyond HDB fire insurance

You are encouraged to buy additional home insurance to further extend protection over your home contents that are not covered under the HDB fire insurance. You can buy a separate insurance policy from an insurer of your choice. A list of general insurers can be found on the website of the General Insurance Association of Singapore (GIA).


  • The purchase of insurance coverage from a general insurer of your choice, based on the GIA's website, is strictly on a private basis between the flat owners and the insurer.
  • The list of general insurers is not to be taken as any form of endorsement or recommendation by HDB. HDB assumes no responsibility or liability for the pricing, schedule or service rendered by the insurer(s).