Personal Insurance
Protect your property structure and fixtures against fire, lightning, explosion, and a broad range of extraneous perils under a single affordable policy.
Backed byAXA · Chubb · Allianz · Zurich · Manulife
“TRS helped us get full reinstatement value after a kitchen fire — our previous insurer would have only paid market depreciation. The difference was significant.”
Personal Insurance
Covers the physical structure including walls, roof, flooring, and permanent fixtures against fire and all specified perils — on a full reinstatement cost basis.
Extends beyond fire to cover flooding, storm, impact by vehicles, falling objects, subsidence, and other named extraneous perils.
Compensates landlords for lost rental income while the property is uninhabitable following a covered fire or perils event — up to the agreed indemnity period.
Covers reasonable costs of temporary alternative accommodation for the insured and family if the property is rendered uninhabitable.
Yes — MAS requires HDB flat owners with outstanding loans to maintain fire insurance, typically via the HDB Fire Insurance Scheme.
No. Fire insurance covers the building structure. A separate home contents policy is needed to cover furniture and belongings.
Yes. Loss of rental income is available as a standard extension when property is rendered uninhabitable by a covered event.
The sum insured should reflect the full reinstatement cost of the building — not the market value or land value.