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Tiq Home Insurance by Etiqa review

Simple and hassle-free home protection plan with optional add-ons.

Tiq Home Insurance offers comprehensive yet no-frills benefits for some of the most common household matters, including emergency cash allowance, debris disposal and valuables coverage.

Let’s take a closer look at Tiq Home Insurance policy features, benefits and various add-ons below.

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Quick verdict

Good for
  • Competitive rates with broad-based coverage, including emergency cash, ATM fraud and conservancy charges
  • Offers emergency cash allowance within 24 hours
  • Available to both landlords and tenants looking to insure their accommodation
Not so good for
  • Emergency cash allowance depends on the insurer’s assessment of the state of your premises
  • Low coverage for high-value items such as antiques, artwork and jewellery
  • Emergency home assistance only included for plans of 3 years or more

What is Tiq Home Insurance?

Tiq Home Insurance offers customisable 1-, 3- or 5-year plans for homeowners, landlords and tenants across various residential property types (HDB, condominium and landed houses), with options to select varying amounts of building, renovation and contents coverage.

What are the different plans available for Tiq Home Insurance

Tiq Home Insurance offers coverage for HDB, condominium and landed property owners and tenants. Here is a general overview of the plan features.

  • Loss or damage to renovations and home contents, including debris removal cost
  • Loss or damage to the building, including professional fees and debris removal costs
  • Emergency cash allowance for disrupted living conditions
  • Up to $750 against theft of personal money arising from forcible and violent entry
  • Up to $500 for conservancy charges
  • Home assistance (electrical, plumbing, locksmithing and air conditioning) of $200 (up to 4 times per year)
  • Up to 30% of the sum insured for valuables (capped at $1,000 for any 1 article or $200 per item for high-value paintings, antiques, glassware etc)
  • Accidental damage to mirrors and fixed glass
  • Covers harm or damage accidentally caused
  • Loss or damage to home contents
  • Emergency cash allowance for disrupted living conditions
  • Up to $1,000 for unauthorised transactions on stolen ATM or credit cards
  • Home assistance (electrical, plumbing, locksmithing and air conditioning) of $200 (up to 4 times per year)
  • Up to 30% of the sum insured for valuables (capped at $1,000 for any 1 article or $200 per item for high-value paintings, antiques, glassware etc)

How do the features for Tiq Home Insurance compare?

Tiq Home Insurance has different coverage depending on your housing type. Here is a general overview:

Benefits from insured eventMaximum benefit limits per event
Homeowner/LandlordTenant
HDBPrivateHDB/Private
Loss or damage to home contents, including debris removal cost
*Note: Refer to policy document for sublimits and exclusions
$20,000 to $100,000
Loss or damage to renovations, including debris removal cost$20,000 to $100,00
Building$29,000 to $106,200$300,000 to $2,000,000N/A
Renovation$20,000 to $180,000$100,000 to $1,000,000N/A
Contents$15,000 to $120,000$50,000 to $150,000$15,000 to $120,000
Emergency cash allowance 100% uninhabitable: $5,000
= 50% uninhabitable: $2,500
100% uninhabitable: $5,000
= 50% uninhabitable: $2,500
100% uninhabitable: $500
= 50% uninhabitable: $250
Emergency home assistance
*Applicable for plans of 3 years or more
$200 and up to 4 times per year
Personal legal liability
*Worldwide
$500,000$1,000,000$500,000
Valuables30% of content sum insured
Removal of debris10% of renovation sum insuredN/A
Professional fees10% of building and/or renovation sum insuredN/A
Conservancy charge$500N/A
Unauthorised transactions on your stolen ATM or credit card$1,000
Accidental breakage of mirrors and fixed glassUp to $1,000N/A
Money$750N/A

*Note: Information provided is accurate as of 14 July 2022.

Optional add-ons

Tiq Home Insurance offers the following add-ons to enhance your coverage:

Benefits from insured eventMaximum benefit limits per event
HDB/Private (Homeowner/ Landlord)HDB/Private (Tenant)
Personal cyber insurance
*Coverage for cyber fraud, cyber extortion, restoration costs, identity theft
$25,000N/A
Family accidental death protection$50,000N/A

*Note: Information provided is accurate as of 14 July 2022.

Premium rates

Premium rates for Tiq Home Insurance depend on various factors, including housing types, number of bedrooms and add-ons.

To get an instant quotation, simply head over to the Tiq Home Insurance website and fill in the required fields:

  • Residence status (owner-occupiers, landlords or tenant)
  • Property type (HDB, condominium or landed house)
  • Number of bedrooms (for HDB only)
  • Coverage start date
  • Promo code (if applicable)

What won’t be covered

Tiq Home Insurance will not pay for claims related to:

  • Loss of or damage to home contents as a result of war, invasion and civil commotion
  • Deliberate or malicious acts by you and/or your household members
  • The order of any public or government authorities
  • Failure by you or your household members to take reasonable and necessary precautions to protect property, avoid injury or minimise claims
  • Mysterious or unexplained loss
  • Any loss or damage arising from nuclear risks
  • Damage caused by normal wear and tear or gradual deterioration, vermin, insects or during cleaning or repairing
  • Any loss or damage arising from illegal acts and/or acts prohibited by regulatory authorities
  • Any consequential or indirect loss of any kind
  • Loss or damage by pressure waves caused by aircraft or other aerial devices

*The full details of the exclusions are contained in the policy document.

Making a claim

To file a claim on your Tiq Home Insurance policy, simply log in to the TiqConnect web portal and submit your case. If you do not have an account, you may register for one immediately through Etiqa’s corporate website or contact the customer care hotline at 6887 8777.

Be sure to inform Tiq Insurance as soon as possible or within 30 days from the date of the incident. To report a claim, you may call 9695 1338 or 8218 8521.

Supporting documents

To file a claim, you’ll need to submit the following:

  • Duly-filled online forms available from the claims portal
  • All documentation which includes but is not limited to:
    • Digital coloured photographs of the damaged items and/or CCTV footage showing circumstances of the incident post-mortem report (if applicable, a technical report from the repairer on the cause and extent of the damaged property)
    • Original invoices and receipts of the articles/property
    • At least 3 quotations for repair/replacement of the lost or damaged property
    • Police reports (for theft and burglary)
    • All correspondences exchanged between you and the negligent third party

Eligibility criteria for Tiq Home Insurance

Tiq Home Insurance is available for anyone residing in Singapore:

  • Homeowners. Policyholder must be the owner or co-owner of their home in Singapore
  • Tenants. Policyholder must be the tenant of the home with a valid Tenancy Agreement

How to contact Etiqa Insurance

Should you need any assistance in your claim, you may contact Etiqa Insurance through the following options:

  • Live chat: Available on the Tiq by Etiqa app
  • Customer care hotline or WhatsApp service: +65 6887 8777
  • Customer care email: customer.service@etiqa.com.sg
  • Claims email: nonmotor@etiqa.com.sg

When seeking assistance, be sure to have the policyholder’s name and ID/FIN or policy number on hand.

About Tiq by Etiqa Insurance

Tiq is the digital channel of Etiqa Insurance, an award-winning local insurer known for its customer-centred products and solutions. With an emphasis on smart technologies, Tiq strives to provide reliable digital insurance solutions that’d help its customers prepare for unpredictable situations quickly and easily.

Bottom line

With its high coverage limits, competitive prices and unique coverage, Tiq Home Insurance is easily one of the highest-value policies for the average HDB and private property owners.

Premiums for the 1-year plan typically costs between 26% and 60% below the market average for HDB flats, with up to 15% discounts yearly for the 3- or 5-year coverage options. While premiums for condo owners aren’t as competitive, Tiq Home Insurance’s high coverage limits can make up for the higher cost. For instance, private property owners can insure up to $2,000,000 in buildings coverage and $1,000,000 in renovation coverage, which is one of the highest limits on the market.

Tiq Home Insurance may be an ideal option for cost-conscious first-time homeowners seeking modest coverage for common homeownership problems, but do keep in mind that its benefit limits may not be enough for affluent consumers with expensive items. The plan also does not cover the cost of moving home contents.

Before applying, make sure to compare options from other popular home insurers in Singapore to find one that best suit your needs.

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