Step 1: Access the HDB InfoWEB Portal
- Visit the HDB InfoWEB portal at https://www.hdb.gov.sg/infoweb/
- Log in using your SingPass credentials
Step 2: Navigate to Your Home Information
- Select the “My HDB” tab from the top menu bar
- Click on “My Flat/Property”
- Choose the appropriate property listing from the drop-down menu
Step 3: Check Your Fire Insurance Coverage
- Scroll down to the “Fire Insurance” section
- The status of your fire insurance coverage will be displayed here
Additional Methods for Verification
1. Fire Insurance Certificate:
- If you have a physical fire insurance certificate, you can check the policy number and coverage dates on the document.
2. HDB Customer Service:
- Call the HDB Customer Service Centre at 1800-225-5432
- Provide your flat details and request information about your fire insurance coverage.
3. Legal Documents:
- If you recently purchased your HDB flat, the fire insurance coverage should be included in the legal documents, such as the Option to Purchase (OTP) or Sale & Purchase Agreement (S&P).
Fire Insurance Coverage for HDB Dwellings
Coverage Amount:
- According to the HDB Fire Insurance Scheme, the coverage amount for HDB dwellings is:
- Residential flats: Up to S$60,000 per flat
- Non-residential flats: Up to S$30,000 per flat
Types of Covered Damages:
- The fire insurance covers damages caused by:
- Fire
- Lightning
- Explosion
Policy Period:
- The fire insurance policy is valid for one year from the commencement date.
Premium Payment:
- The fire insurance premium is included in the monthly service and conservancy charges (S&CC) payable to HDB.
Key Considerations
1. Review Coverage:
- The default coverage amount may not be sufficient to fully cover your belongings or renovations. Consider purchasing additional insurance to enhance your protection.
2. Maintain Policy Validity:
- Ensure that you pay your S&CC charges on time to maintain the validity of your fire insurance coverage.
3. Report Claims Promptly:
- If you suffer a fire loss, report the claim to HDB promptly to minimize delays in receiving compensation.
Conclusion
Checking the status of your HDB fire insurance is a simple and crucial step to ensure you have adequate protection against financial losses caused by fire-related incidents. By following these steps, you can quickly and easily verify your coverage and take necessary actions to enhance your peace of mind.
