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Home Contents Insurance: Protect Your Valuables Against Flooding


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You might wonder whether it is necessary to have home contents insurance against flooding. While it may not seem like it, Singapore is located in a historically flood-prone region. Not only that, research published by PUB in March 20141 shows that rainfall has been increasing in intensity and frequency since 1980, placing 38 flood-prone areas in Singapore (as at May 2021)2 under greater risk.

Take note that flooding doesn’t just happen in low-lying homes. It can also occur in your Housing and Development Board (HDB) flat if you have the misfortune of having leaky pipes. 

Water overflowing from broken or clogged pipes can also seep through the walls and flood your unit. A homeowner in Punggol even had to deal with a new HDB flat that was flooded twice by sewage3.

What happens to your possessions during a flood? You may think that you can simply dry them out afterwards, but porous materials like books, leather goods, and upholstery will never be as good as new after being immersed in water. 

Flooding will also seriously damage your appliances, laptops, or personal electronics. Replacing or repairing these items after a flood can put a serious dent in your bank account.

Does your current insurance plan cover your home contents including furniture, renovations, as well as personal belongings against loss and damage from perils like an unexpected flood?

Are your home valuables insured against flooding?
What happens to your possessions during a flood?

Why You Need Home Contents Insurance Against Flooding

1. Protect your belongings and renovation investment

Most home insurance schemes may only cover the fixtures and fittings that make up your home’s physical structure. However, built-in-furniture or home renovation fixtures are not accounted for when you file for a claim.

Fret not! Home contents insurance has got you covered. Future renovations, internal fixtures (e.g. air conditioning units), and moveable contents (e.g. furniture and appliances) can all be claimed under this scheme.

2.  Get temporary accommodation when your home becomes inhabitable

When your home becomes uninhabitable due to fire or major flooding, you and your family will need a place to stay. Your only alternative might be to pay for temporary accommodation, which can get expensive in Singapore.

With home contents insurance, you can rest easy knowing that you are covered so you won’t have to reach into your savings for unforeseen accommodation expenses. 

3. Enjoy more peace of mind

You can’t predict when the next flash flood will wreak havoc in your neighbourhood or when water pipes burst and flood your home, but you can plan ahead and avoid the worry. Ohmyhome is pleased to be partnering with Aviva and provide our customers with One-year Home Contents Insurance coverage!

This is a complimentary cover, the plan is only in place for 12 months, so don’t worry about remembering to cancel after this period. The plan will simply expire and you will not incur any additional fee.

Don’t miss out on this amazing deal. Terms and conditions apply.

This is a limited-time offer, so get your free home contents insurance plan today!

Call Ohmyhome at 6886 9009 for details on the offer or sign up now before it ends.

Important notes:

1. Source: Drainage. (n.d.). PUB Singapore’s National Water Agency. Retrieved September 21, 2021, from https://www.pub.gov.sg/drainage

2. Source: Flood Management. (n.d.). PUB Singapore’s National Water Agency. Retrieved September 21, 2021, from https://www.pub.gov.sg/drainage/floodmanagement

 3. Source: The Straits Times © Singapore Press Holdings. Extracted with permission. “New HDB studio flat in Punggol flooded twice by sewage” 3 July 2016.

Terms and conditions apply. The above product is underwritten by Aviva. Ohmyhome is not an insurance agent or intermediary and is not allowed to solicit any insurance business or give advice on or recommend any product nor be involved in any discussions or negotiations between you and Aviva or in the arrangement of any insurance contract between you and Aviva. Please direct all insurance enquiries to Aviva. This material is published for general information only and does not have regard to specific investment objectives, financial situation and particular needs of any specific person. A copy of the Product Summary may be obtained from Aviva Ltd and the participating distributors’ office. This material is not a contract of insurance. Full details of the standard terms and conditions of this policy can be found in the policy contract. Protected up to specified limits by SDIC. Information is accurate as at September 2021.

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