OCBC GREAT Home Protect | OCBC Singapore

GREAT Home Protect

Protect the home you love,
your way

Why you will love this

Choose the level of protection that fits your needs

Broader cover for the unexpected with first-loss protection

Reimbursement for home emergency services*, including plumbing, locksmith and more

Who can apply

Homeowners and tenants

Apply now
 

Enjoy up to 10%^ + 15% off your premiums.
Find out more

Keep what matters to your family safe from the unexpected with GREAT Home Protect.

Features and Benefits

Choose how you want to be covered

Select from different types and levels of protection – from Insured Perils coverage to broader All-risks^ coverage – to find the plan that best matches your protection needs and priorities.

What it covers
GREAT Home Protect plans
All-risks^ coverage
A broader range of accidental loss or damage, unless excluded in the policy.
Premier, Superior and Standard
Insured Perils coverage
Losses caused by specific events listed in the policy, such as fire, burglary and burst pipes.
Value
Home insurance on a first-loss basis policy

Broader cover for the unexpected with first-loss protection

With All-risks^ coverage , enjoy broader protection against accidental loss or damage. First-loss protection allows covered claims to be paid up to your full sum insured, without an under-insurance penalty.

With All-risks^ coverage , enjoy broader protection against accidental loss or damage. First-loss protection allows covered claims to be paid up to your full sum insured, without an under-insurance penalty.

Additional coverage for green home repair costs

Green home benefits

Receive up to 10% additional home content and renovation coverage if your home repair uses green products and methods. Apply for our Premier plan to be covered up to S$25,000 for solar panels and S$10,000 for EV chargers on landed property.

Receive up to 10% additional home content and renovation coverage if your home repair uses green products and methods. Apply for our Premier plan to be covered up to S$25,000 for solar panels and S$10,000 for EV chargers on landed property.

24/7 Emergency Home Assistance services: Electrical, locksmith, plumbing, air conditioning or pest control

24/7 Emergency Home Assistance*

Be protected when in need of emergency services (electrical, locksmith, plumbing, air conditioning or pest control). Be covered by up to S$150 for each event (up to two in a policy year).

Be protected when in need of emergency services (electrical, locksmith, plumbing, air conditioning or pest control). Be covered by up to S$150 for each event (up to two in a policy year).

Covers temporary accommodation costs

Coverage for alternative accommodation

Be covered up to S$25,000 if your house is uninhabitable.

Be covered up to S$25,000 if your house is uninhabitable.

Provides cash relief for your immediate needs

Emergency cash for clothes and toiletries*

Get up to S$2,000 in cash relief when your house is uninhabitable.

Get up to S$2,000 in cash relief when your house is uninhabitable.

*Only applicable to Superior, Premier and Standard plans.
^Please refer to the policy wording for the exclusions. Only applicable to Superior, Premier and Standard plans.

HOW FIRST-LOSS PROTECTION WORKS
Customer profile for GREAT Home Protect

John's profile:

38 years old

Purchased GREAT Home Protect, a first-loss basis home insurance policy, with a building and renovation sum insured of S$50,000.



One day, a fire erupts in John’s kitchen. While he managed to extinguish the fire quickly, the incident caused damages, requiring that he spend S$80,000 to rebuild the kitchen and replace damaged appliances.

Cost of reinstating kitchen: S$80,000

Scenario A
with other home insurance plans

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If his coverage were based on average-loss protection, the payout will be reduced proportionately due to the penalty imposed for under-insurance. The claimable amount would have been S$31,250.

Sum insured

S$50,000

Reinstatement cost

S$80,000

Claimable amount

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Claimable amount

S$31,250

Scenario B
with OCBC GREAT Home Protect

Claimable amount for GREAT Home Protect

Since his coverage is based on first-loss protection, the claimable amount will be S$50,000 – 100% of the sum insured.

Sum insured

S$50,000

Reinstatement cost

S$80,000

Claimable amount

S$50,000

24/7 EMERGENCY HOME ASSISTANCE

Air conditioning services

We will cover the cost of repairing your air conditioning unit in the event of a mechanical breakdown.

Electrical services

If you face power failure due to a burnt fuse, we will cover the cost of repairs to the main electrical board, power sockets, wall switches and electrical wiring.

Plumbing services

If you have a clogged water supply system, we will cover the cost of clearing the blockage, and replacing or repairing any burst pipes.

Locksmith services

If you are accidentally locked out of your house, we will cover the cost of a locksmith.

Pest control services

If your home is infested with pests, we will cover the cost of pest control services.

Coverage Provided

How far would you go to protect your home?

Every home has different protection needs. Some prefer focused coverage for the risks that concern them most, while others seek broader protection for greater peace of mind.

GREAT Home Protect gives you the flexibility to choose from different types and levels of coverage for your home and belongings, based on how you want to protect them.

Benefits Premier (for homeowner) Superior (for homeowner) Value (for homeowner) Standard (for tenant)
Coverage type

All-risks^ coverage

All-risks^ coverage

Insured Perils coverage

All-risks^ coverage
Building and renovations
Sum insured on first-loss basis

S$150,000

S$60,000

S$60,000

Not covered
Contents
Sum insured on first-loss basis

S$50,000

S$30,000

S$30,000

S$40,000
Valuables (overall limit)

35% of sum insured for ‘Contents’
Laptops and computers (in total)

S$3,000

S$2,000

S$2,000

S$2,000
Mobile phones (in total)

S$2,000

S$1,000

S$1,000

S$1,000
Wines and collectibles (in total; fire and theft only)

S$2,000

Not covered

Not covered

Not covered
All other valuable items (per item)

S$5,000

S$2,000

S$2,000

S$2,000
Worldwide personal liability
Sum insured

S$1,000,000

S$500,000

S$500,000

S$500,000
Family personal accident
Sum insured

S$10,000 for each person
Up to S$50,000
Green home benefits
Green home - build back greener

Additional coverage of up to 10% of the total sum insured for ‘Building and renovations’ and ‘Contents’, if home repair uses green products and methods
Solar panel

Up to S$25,000

Not covered

Not covered

Not covered
EV charger on landed property

Up to S$10,000

Not covered

Not covered

Not covered
Emergency home assistance
Air conditioner, electrical, plumbing, pest control and locksmith services

S$150 for each event (up to two in a policy year)

S$150 for each event (up to two in a policy year)

Not covered

S$150 for each event (up to two in a policy year)
Additional benefits
Service and conservancy charges

S$1,000

S$1,000

S$500

Not covered
Emergency entry

S$1,000

S$1,000

Not covered

Not covered
Professional fees

S$20,000

S$10,000

S$5,000

Not covered
Deteriorating of food or drinks

S$1,500

S$1,000

Not covered

S$1,000
Emergency cash allowance

S$2,000

S$1,000

Not covered

S$1,000
Household removal

S$10,000

S$5,000

Not covered

S$5,000
Legal documents

S$1,500

S$1,000

Not covered

S$1,000
Loss of money

S$2,000

S$1,000

Not covered

S$1,000
Loss of cat or dog

S$1,000

S$500

S$500

S$500
Injury to cat or dog

S$100

S$50

S$50

S$50
Alternative accommodation or loss of rent

S$25,000

S$15,000

S$12,000
(Max S$1,000 per week, up to 12 weeks)

S$15,000
Fire extinguishment expenses

S$2,500

S$2,500

Not covered

S$2,500
Removal of debris

10% of loss, up to S$15,000

10% of loss, up to S$10,000

5% of loss, up to S$5,000

10% of loss, up to S$10,000
Replacement of locks and keys

S$2,000

S$1,000

S$500

S$1,000
See all coverage
See all coverage Hide all coverage

Coverage type

Premier (for homeowner)

All-risks^ coverage

Superior (for homeowner)

All-risks^ coverage

Value (for homeowner)

Insured Perils coverage

Standard (for tenant)

All-risks^ coverage

Building and renovations

Sum insured on first-loss basis
Premier (for homeowner)

S$150,000

Superior (for homeowner)

S$60,000

Value (for homeowner)

S$60,000

Standard (for tenant)

Not covered

Contents

Sum insured on first-loss basis
Premier (for homeowner)

S$50,000

Superior (for homeowner)

S$30,000

Value (for homeowner)

S$30,000

Standard (for tenant)

S$40,000

Valuables (overall limit)
Premier (for homeowner)

35% of sum insured for ‘Contents’

Superior (for homeowner)

35% of sum insured for ‘Contents’

Value (for homeowner)

35% of sum insured for ‘Contents’

Standard (for tenant)

35% of sum insured for ‘Contents’

Laptops and computers (in total)
Premier (for homeowner)

S$3,000

Superior (for homeowner)

S$2,000

Value (for homeowner)

S$2,000

Standard (for tenant)

S$2,000

Mobile phones (in total)
Premier (for homeowner)

S$2,000

Superior (for homeowner)

S$1,000

Value (for homeowner)

S$1,000

Standard (for tenant)

S$1,000

Wines and collectibles (in total; fire and theft only)
Premier (for homeowner)

S$2,000

Superior (for homeowner)

Not covered

Value (for homeowner)

Not covered

Standard (for tenant)

Not covered

All other valuable items (per item)
Premier (for homeowner)

S$5,000

Superior (for homeowner)

S$2,000

Value (for homeowner)

S$2,000

Standard (for tenant)

S$2,000

Worldwide personal liability

Sum insured
Premier (for homeowner)

S$1,000,000

Superior (for homeowner)

S$500,000

Value (for homeowner)

S$500,000

Standard (for tenant)

S$500,000

Family personal accident

Sum insured
Premier (for homeowner)

S$10,000 for each person (Up to S$50,000)

Superior (for homeowner)

S$10,000 for each person (Up to S$50,000)

Value (for homeowner)

S$10,000 for each person (Up to S$50,000)

Standard (for tenant)

S$10,000 for each person (Up to S$50,000)

Green home benefits

Green home - build back greener
Premier (for homeowner)

Additional coverage of up to 10% of the total sum insured for ‘Building and renovations’ and ‘Contents’, if home repair uses green products and methods

Superior (for homeowner)

Additional coverage of up to 10% of the total sum insured for ‘Building and renovations’ and ‘Contents’, if home repair uses green products and methods

Value (for homeowner)

Additional coverage of up to 10% of the total sum insured for ‘Building and renovations’ and ‘Contents’, if home repair uses green products and methods

Standard (for tenant)

Additional coverage of up to 10% of the total sum insured for ‘Building and renovations’ and ‘Contents’, if home repair uses green products and methods

Solar panel
Premier (for homeowner)

Up to S$25,000

Superior (for homeowner)

Not covered

Value (for homeowner)

Not covered

Standard (for tenant)

Not covered

EV charger on landed property
Premier (for homeowner)

Up to S$10,000

Superior (for homeowner)

Not covered

Value (for homeowner)

Not covered

Standard (for tenant)

Not covered

Emergency home assistance

Air conditioner, electrical, plumbing, pest control and locksmith services
Premier (for homeowner)

S$150 for each event (up to two in a policy year)

Superior (for homeowner)

S$150 for each event (up to two in a policy year)

Value (for homeowner)

Not covered

Standard (for tenant)

S$150 for each event (up to two in a policy year)

Additional benefits

Service and conservancy charges
Premier (for homeowner)

S$1,000

Superior (for homeowner)

S$1,000

Value (for homeowner)

S$500

Standard (for tenant)

Not covered

Emergency entry
Premier (for homeowner)

S$1,000

Superior (for homeowner)

S$1,000

Value (for homeowner)

Not covered

Standard (for tenant)

Not covered

Professional fees
Premier (for homeowner)

S$20,000

Superior (for homeowner)

S$10,000

Value (for homeowner)

S$5,000

Standard (for tenant)

Not covered

Deteriorating of food or drinks
Premier (for homeowner)

S$1,500

Superior (for homeowner)

S$1,000

Value (for homeowner)

Not covered

Standard (for tenant)

S$1,000

Emergency cash allowance
Premier (for homeowner)

S$2,000

Superior (for homeowner)

S$1,000

Value (for homeowner)

Not covered

Standard (for tenant)

S$1,000

Household removal
Premier (for homeowner)

S$10,000

Superior (for homeowner)

S$5,000

Value (for homeowner)

Not covered

Standard (for tenant)

S$5,000

Legal documents
Premier (for homeowner)

S$1,500

Superior (for homeowner)

S$1,000

Value (for homeowner)

Not covered

Standard (for tenant)

S$1,000

Loss of money
Premier (for homeowner)

S$2,000

Superior (for homeowner)

S$1,000

Value (for homeowner)

Not covered

Standard (for tenant)

S$1,000

Loss of cat or dog
Premier (for homeowner)

S$1,000

Superior (for homeowner)

S$500

Value (for homeowner)

S$500

Standard (for tenant)

S$500

Injury to cat or dog
Premier (for homeowner)

S$100

Superior (for homeowner)

S$50

Value (for homeowner)

S$50

Standard (for tenant)

S$50

Alternative accommodation or loss of rent
Premier (for homeowner)

S$25,000

Superior (for homeowner)

S$15,000

Value (for homeowner)

S$12,000 (Max S$1,000 per week, up to 12 weeks)

Standard (for tenant)

S$15,000

Fire extinguishment expenses
Premier (for homeowner)

S$2,500

Superior (for homeowner)

S$2,500

Value (for homeowner)

Not covered

Standard (for tenant)

S$2,500

Removal of debris
Premier (for homeowner)

10% of loss, up to S$15,000

Superior (for homeowner)

10% of loss, up to S$10,000

Value (for homeowner)

5% of loss, up to S$5,000

Standard (for tenant)

10% of loss, up to S$10,000

Replacement of locks and keys
Premier (for homeowner)

S$2,000

Superior (for homeowner)

S$1,000

Value (for homeowner)

S$500

Standard (for tenant)

S$1,000

EXCLUSIVE PROMOTION
Enjoy up to 10%^ + 15% off your home insurance plan

Enjoy up to 10%^ + 15% off your home insurance plan

For Premier, Superior and Standard plans

Use the promo code HOME15 at checkout:

  • Get 15% off a one-year plan
  • Get 10%^ + 15% off a two-year plan

For Value plan

No promo code required:

  • Get 10%^ off a two-year plan

^Includes the prevailing embedded two-year plan discount.

Valid till 31 December 2026 only.

HOW TO SUBMIT A CLAIM
Just take these 3 steps:

1

Download our claim form and complete the relevant sections.

2

Attach the original copies of all receipts and supporting documents.

3

Submit your claim by emailing it to NonMotorClaims-SG@greateasterngeneral.com or mailing it to:

Great Eastern General Insurance Limited
Attn: Claims Department
1 Pickering Street
Great Eastern Centre, #01-01
Singapore 048659

BEFORE YOU APPLY

More information

Important notes

Policy Owners' Protection Scheme

Policy wording

Terms & Conditions of the OCBC GREAT Home Protect Promotion

This advertisement has not been reviewed by the Monetary Authority of Singapore.

GET STARTED NOW

Apply for GREAT Home Protect today

Apply now

or get us to contact you.

FAQs
Common questions about GREAT Home Protect
More questions and answers
What does GREAT Home Protect cover?

GREAT Home Protect offers flexible coverage options to suit different protection needs and budgets. Choose from broad All-risks^ coverage for wider protection against accidental loss or damage, or a more affordable option that covers specific insured perils to protect your home and belongings.

All-risks^ coverage Insured Perils coverage
What it covers Covers accidental loss or damage, unless specifically excluded under the policy. Covers only loss or damage caused by a peril specifically listed in the policy, such as fire, flood, burst pipes and burglary.
GREAT Home Protect Plans Premier, Superior, Standard (Tenant) Value

Please refer to the policy document for the full terms and conditions of the policy.

Who is eligible to purchase GREAT Home Protect?

The policyholder must be the owner of the property in Singapore that they are insuring for and for residential purpose only. The policy will also be available to tenant who is currently renting premise.

Who is the Homeowner, and Tenant in the context of home insurance?

Homeowner:
The Homeowner has legal ownership of the property. He may purchase insurance coverage to insure his own belongings and the property’s building and renovations.

Tenant:
The Tenant does not own the property and is renting the property. He may purchase insurance coverage to insure his own belongings but not the property’s building and renovations.

I already have a mortgage fire insurance policy from my bank, do I still need to buy GREAT Home Protect?

Yes. Mortgage fire insurance is meant to protect the bank’s financial interest and not yours hence your own financial interests such as household contents and renovations are normally not covered by the bank’s mortgage fire insurance.

You can get insured under the GREAT Home Protect policy to cover your household contents and any additional renovations or improvements which you have made to your home.

I am required to take up the compulsory HDB fire insurance, do I still need to buy GREAT Home Protect?

Yes. The compulsory HDB fire insurance covers only the internal building structure, fixtures and fittings based on the original standards of HDB flat when it is handed over to the first lessee.

You can get insured under the GREAT Home Protect policy to cover your household contents and any additional renovations or improvements which you have made to your home.

More questions and answers

For OCBC customers

Apply for GreatHome through OCBC Online Banking.

Log in
or

For new customers

By clicking on “Apply now“, you will be leaving the OCBC Bank website to Great Eastern’s website. OCBC Bank has no control over this website and is not responsible for its contents.

Apply now  

Terms and conditions governing GreatHome promotion

  1. Discount will apply for new purchases of Starter, Essential and Ultimate Plan made on Internet banking (on desktop) and Great Eastern's website. Offer ends 31 December 2021.
  2. This promotion cannot be used in conjuction with other campaign codes, discounts or promotions.
  3. OCBC Bank reserves the right at its sole and absolute discretion to terminate the promotion or make changes to the promotion or any of these terms and conditions at any time without notice.
  4. The decision of OCBC Bank on all matters relating to this promotion shall be final and binding.

Important notes

Please refer to policy wording to learn more about the exclusions.

The above is for general information only. It is not a contract of insurance. It does not constitute an offer to buy an insurance product or service. It is also not intended to provide any insurance or financial advice. The precise Terms and Conditions of the plans are specified in the insurance policy contract. GREAT Home Protect is underwritten by Great Eastern General Insurance Limited, a wholly owned subsidiary of Great Eastern Holdings Limited, part of the OCBC Group. GREAT Home Protect is not a bank deposit or obligation of, or guaranteed by OCBC Bank.

OCBC does not provide any representation or warranty (including – but not limited to – accuracy, usefulness, adequacy, timeliness and completeness) regarding any information (including – but not limited to – any statement, figures, opinion, view or estimate) provided in this material. Such information should not be relied upon as such. OCBC does not undertake an obligation to update the information in this advertisement or publication, or correct any inaccuracies that may be apparent later. All information in this material is subject to change without notice. OCBC shall not be held responsible or liable for any loss or damage incurred – directly or indirectly – in connection with or as a result of any individual acting on the information provided in this material, or the promotion, purchase or subscription of GREAT Home Protect by any person.

You may cancel the policy during the 14-day look-free period if you decide that it is not suitable for you. By your doing so, the insurer may recover from you any underwriting expense incurred. It is usually detrimental to replace an existing plan with a new one. A penalty may be imposed for early plan cancellation. The new plan may cost more or have fewer benefits at the same cost.

Information presented as at 9 October 2026.

Policy Owners' Protection Scheme

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the General Insurance Association (GIA) or SDIC websites (www.gia.org.sg or www.sdic.org.sg).

You are leaving the OCBC Bank's website to access Great Eastern's website.

By clicking on "Proceed", you acknowledge the following:

  • You have chosen not to seek advice on the suitability of this product. You should consider if this product is suitable for your financial circumstances or needs.
Proceed
Extended benefits include
  • Reimbursement of additional expenses for alternative accommodation or loss of rental income, should your home be rendered uninhabitable.
  • Any lost or damaged valuables, jewellery, works of art and more.

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