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Landlord guide · Insurance · 2026

Do Singapore landlords need landlord insurance?

By Winfred Quek · 8 minute read · Published 13 July 2026

By Winfred Quek, Associate Marketing Consultant · CEA R073319H · Crestbrick Pte Ltd (L3010886H) · Published 13 July 2026

Quick answer: A fire policy covers the building structure against fire and a limited set of other perils. Landlord insurance is a separate product, and what it covers depends on the insurer's policy wording, including any rental income cover, tenant caused damage cover and liability cover.

Reviewed 13 October 2026 ยท Sources linked below

Key Takeaways

  • Read the policy wording for exclusions, caps and waiting periods before you buy.
  • Renters insurance is bought by the tenant. Landlord insurance is bought by the owner.

What landlord insurance covers

Landlord insurance is sold as a set of covers that can include loss of rental income, tenant caused damage and liability to a tenant or visitor. The wording, caps, waiting periods and exclusions determine what each policy pays.

Fire insurance and landlord insurance

A fire policy generally covers the physical structure against fire and listed perils. It does not necessarily cover lost rent or tenant caused damage.

Renters insurance and landlord insurance

Renters insurance is bought by the tenant to protect their own belongings and liability. Landlord insurance is bought by the owner to protect rental income, fixtures and the owner's liability.

Sources & References

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Winfred Quek is Associate Marketing Consultant at Crestbrick Pte Ltd, advising Singapore upgraders, investors and families. CEA R073319H. The information on this page is general and does not constitute insurance or financial advice. Policy terms, inclusions and exclusions vary by insurer; verify against the actual policy document and consult a licensed insurance advisor before purchase.