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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 Etiqa Insurance Pte Ltd and the insurance is valid for a 5-year period; renewal is done once every 5 years.

From 16 August 2014 to 15 August 2019, the 5-year premiums (including 7% GST) are as follows:

Flat Type 5-Year Premium (Including 7% GST) Sum Insured
1-room $1.50 $19,300
2-room/ 2-room Flexi $2.50 $26,300
3-room $4.50 $41,800
4-room $5.50 $69,100
5-room $6.60 $75,600
Executive/ Multi-Generation flats $7.50 $98,200
Studio Apartment (Type A) $3.50 $29,000
Studio Apartment (Type B) $4.00 $37,200

Purchasing or renewing your HDB fire insurance

You can purchase or renew your HDB fire insurance by mailing a cheque made payable to Etiqa Insurance Pte Ltd at One Raffles Quay #22-01 North Tower, Singapore 048583.

Remember to indicate your address and HDB account number at the back of the cheque.

For enquiries, you can call Etiqa Insurance Pte Ltd at 6331-9253 or visit their website.

Extending protection beyond HDB fire insurance

If you wish to go further to 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).