HDB Fire Insurance Calculator: Premium by Flat Type and Renewal Date
On your policy, or when you last bought or renewed it.
Renewals until your loan ends
- Next: 1 Mar 2029
- 1 Mar 2034
- 1 Mar 2039
- 1 Mar 2044
4 renewals at today's premium: S$18.36 in total. Premiums may change in future.
Renew when HDB sends your renewal notice: online with Etiqa, or at an AXS station or the AXS app (scan the notice barcode, or key in your postal code and unit number). It can only be paid in cash, not CPF.
5-year premium, 4-room or S1
S$4.59
- Per year
- S$0.92
- Sum insured
- S$117,000
- Next renewal
- 1 Mar 2029
- Insurer
- Etiqa (since 16 Aug 2024)
HDB Fire Insurance premiums by flat type
Etiqa's premiums for a 5-year term, including GST, effective from 16 August 2024.
| Flat type | 5-year premium | Sum insured |
|---|---|---|
| 1-room or Community Care Apartment | S$1.11 | S$37,900 |
| 2-room, 2-room Flexi or Studio Apartment | S$1.99 | S$57,000 |
| 3-room | S$3.27 | S$83,300 |
| 4-room or S1 | S$4.59 | S$117,000 |
| 5-room, S2 or 3Gen | S$5.43 | S$144,800 |
| Executive or Multi-Generation | S$6.68 | S$176,700 |
What HDB Fire Insurance covers, and what it does not
HDB Fire Insurance
Etiqa, about S$1 to S$7 for 5 years
- Fire damage to the flat's structure
- Fixtures and fittings provided by HDB
- Fire spreading from a neighbouring flat
- Water damage from burst pipes
- Renovations
- Furniture and belongings
Home contents insurance
Private, optional
- Renovations, furniture, appliances
- Personal belongings
- Often debris removal and alternative stay
- Depends on the policy you buy
Home Protection Scheme
CPF, mortgage insurance
- Pays off the outstanding housing loan on death, terminal illness or total permanent disability
- Damage to the flat
- Contents
Term
5 years
Renewed every 5 years
Claims
Within 30 days
Notify Etiqa as soon as possible
Paid with
Cash only
Online or AXS
How this works
The HDB Fire Insurance Scheme is underwritten by Etiqa Insurance, HDB's appointed insurer since 16 August 2024. Each policy runs for 5 years and the premium, including GST, depends only on the flat type: S$1.11 for a 1-room flat or Community Care Apartment, S$1.99 for a 2-room, 2-room Flexi or Studio Apartment, S$3.27 for a 3-room, S$4.59 for a 4-room or S1, S$5.43 for a 5-room, S2 or 3Gen, and S$6.68 for an Executive or Multi-Generation flat.
It is compulsory for owners with an outstanding HDB housing loan and must be renewed every 5 years for the whole loan. Owners with a bank loan, or who have paid off their HDB loan, can buy it if they choose. The calculator counts 5-year terms from your current policy's start date to give your next renewal date and the renewals left before your loan ends, at today's premium. Renew when HDB sends the renewal notice, online with Etiqa or at AXS. It can only be paid in cash.
It pays to reinstate fire damage to the flat's structure and the fixtures and fittings HDB provided, up to the sum insured (S$117,000 for a 4-room flat), with extended cover for fire spreading from adjoining properties and water damage from burst pipes. It does not cover renovations, furniture or belongings: for those you need a separate home contents policy. It is also different from the Home Protection Scheme, CPF's mortgage insurance.
FAQs
How much is HDB fire insurance?
S$4.59 for 5 years for a 4-room flat, including GST. Premiums range from S$1.11 (1-room) to S$6.68 (Executive or Multi-Generation) for a 5-year term with Etiqa, effective from 16 August 2024.
Is HDB fire insurance compulsory?
Yes, if you have an outstanding HDB housing loan: you must keep it in force and renew it every 5 years until the loan is repaid. With a bank loan or a fully paid flat it is optional under the HDB scheme.
What does HDB fire insurance cover?
Fire damage to the flat's structure and the fixtures and fittings provided by HDB, up to the sum insured (S$83,300 for a 3-room, S$117,000 for a 4-room). It does not cover renovations, furniture or personal belongings.
How do I renew HDB fire insurance?
When HDB sends your renewal notice, pay the 5-year premium online on Etiqa's website or at an AXS station or the AXS app, using the notice barcode or your postal code and unit number. CPF cannot be used.
Who is the HDB fire insurance provider?
Etiqa Insurance, HDB's appointed insurer for the HDB Fire Insurance Scheme since 16 August 2024. Claims should be reported to Etiqa as soon as possible and within 30 days.