Home Insurance

Fire Insurance and home Insurance are different, but complementary. Home Insurance covers the content in your home, such as furniture, fixtures and fittings, clothing, household goods, personal effects, valuables and interior decorations.   It also provides coverage over third-party liabilities, protecting you in the event that you or your family member becomes legally responsible for others’ bodily injury or property damage, as an owner, occupier of your home and as a private individual. Fire Insurance covers the building structure, including walls, windows, ceiling, floor, pipes and the property's original fixtures and fittings. When these are damaged by fire, typhoons/windstorms, explosions, or other covered events, your fire policy will help cover the repair costs. Having both types of insurance will give your home comprehensive protection.

Yes, OneDegree's home insurance provides coverage over your valuables, including jewellery, watches, photographic equipment, works of arts, furs, coin collection, etc. For more details, please refer to the insurance policy wording.

We don’t cover you for: 1. Uninsurable risk such as scratching, corrosion, wear and tear; 2. Items which are insured under a separate policy; 3. Malicious damage or vandalism by a person residing in the insured premises; 4. Contact lenses, mobile/portable phone, laptop, computer; 5. The insured premises unoccupied for more than 30 days. For more details, refer to our insurance policy wording.

Yes, OneDegree's Home Insurance covers the property of you and your immediate family members residing with you in your home.

Yes, you can apply for coverage as long as the building age of your property is not above 50 years.