# HDB Fire Insurance Calculator: Premium by Flat Type and Renewal Date

Find the HDB Fire Insurance premium for your flat type (S$1.11 to S$6.68 for 5 years with Etiqa), the sum insured, your next renewal date and cover.

Interactive tool: https://lookup.sg/tools/hdb-fire-insurance-calculator

## 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.

## Sources
- [Etiqa: HDB Fire Insurance (premiums and sum insured from 16 August 2024)](https://www.etiqa.com.sg/fire-insurance)
- [CPF Board: Protect your home, insurance for your HDB flat](https://www.cpf.gov.sg/member/infohub/educational-resources/protect-your-home-insurance-for-your-hdb-flat)

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Source: Lookup (https://lookup.sg) · Data as of October 2026 · Listings compiled from Singapore government open data (data.gov.sg), OneMap and Overture Maps places. Free listings never show contact details; contact details appear only on Lookup Verified listings.