A fire could wipe out everything you own — here’s how to protect your home

Most Singapore residents never expect a fire at home. Yet in 2025, residential fires have become both more frequent and more dangerous. From personal mobility device (PMD) battery explosions to unattended mosquito coils, such incidents can strike without warning. The damage goes beyond walls and ceilings — it can wipe out belongings, memories, and investments. That is why comprehensive UniHome insurance in Singapore is vital for every household.

Fires are rising and so are the risks
In August 2025, a fire at Block 106 Jalan Bukit Merah tragically claimed two lives. Investigations identified a PMD battery as the likely cause. According to SCDF statistics, fires involving Active Mobility Devices increased by 21.8% in 2024, with PMD-related incidents rising nearly 39%.1 Fire-related deaths have already reached eight in 2025, surpassing totals from previous years. Earlier, in March 2025, a blaze at Block 176 Bishan Street 13, believed to have been sparked by a mosquito coil, forced the evacuation of around 40 residents. These incidents underscore the real and growing fire risks faced by Singapore households.

The true cost of a fire
Many homeowners assume HDB or condo fire insurance will cover everything. HDB fire insurance only protects building structures, leaving furniture, electronics, clothing, and renovations uninsured. Similarly, condo management insurance covers common areas and structural damage, excluding individual unit contents.

Consider the potential losses in a fire:

• Electronics and appliances like TVs, laptops, and kitchen equipment
• Furniture, built-in wardrobes, and renovation works
• Clothing, books, personal items, and collectibles
• Jewellery, watches, and valuables

Smoke and firefighting water can damage rooms untouched by flames. Without the right coverage, families face these costs alone.

How UniHome Insurance protects you
UniHome Insurance was designed to fill these gaps, offering comprehensive protection for belongings and household investments up to S$150,000.

Here’s what it covers:

• Household Contents: Furniture, electronics, appliances, clothing, and personal items inside the home.
• Valuables: Jewellery, watches, and gold or silver items up to S$1,500 per piece, with options to increase coverage.
• Cash and Documents: Travel tickets, deeds, and important papers covered up to S$500.
• Building Improvements: Built-in cabinets, wardrobes, renovation works, and fixtures.
• Emergency Assistance: 24/7 support via UOI’s hotline at +65 6222 7737.

This protection recognises that a fire doesn’t just damage walls — it disrupts entire lives.

Click here to find out more.

Why it matters more today
Over 970 residential fires occurred in 2023, and numbers are climbing. Modern conveniences, from PMD batteries to high-powered home gadgets, increase fire risks. Traditional fire insurance often fails to cover personal property and renovations.

UniHome Insurance ensures all households, whether in HDB flats or condominiums, have adequate protection.

Take action before it’s too late
A single fire can erase decades of savings and treasured possessions. With UniHome insurance in Singapore, you gain peace of mind knowing your family’s home and belongings are protected. For a quote or to learn more about UniHome insurance in Singapore, call 6222 7733 or visit the UOI website today.

Notes:
1 – SCDF Mar 2025: Emergency Medical Services, Fire & Enforcement Statistics 2024