Enhanced dwelling insurance policy, usually called property articles insurance policies, gives substantially broader safety compared to normal HDB fire insurance. While fireplace insurance plan only addresses the structural integrity in the flat, enhanced plans increase protection to the home's contents and renovations. This consists of personal possessions for example home furniture, electronics, and appliances, in addition to interior advancements like created-in cabinets, flooring, and false ceilings. Vital advantages of these programs consist of all-risk protection for perils like hearth, theft, and burst pipes, personal legal responsibility safety towards accidental harm to third parties, and payment for substitute accommodation expenses if the house gets uninhabitable. Insurance coverage rates are normally inexpensive, with once-a-year charges ranging from as little as $50 to a couple website hundred bucks, according to the sum insured and the size with the home. Prominent insurers in Singapore presenting these programs include NTUC Profits, FWD, and Etiqa.