What Exactly Are Home Assistance Plans, And How They Differ From Home Insurance

|Posted by | Home Ownership, Insurance
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Usually found as a benefit wedged into your home insurance plan, the peace of mind that home assistance brings policy holders is nothing to sneeze at.

If something malfunctions in your home, who you gonna call? Well, not exactly Ghostbusters, but your trusty insurer – assuming you’ve got the right home insurance plan.

Think about it: getting your key stuck in the lock, a choked sink, an unexpected blackout plunging your home in total darkness… plenty of things could go wrong. Luckily, you’ll find that most comprehensive home insurance plans include a home assistance benefit, giving policy holders added assurance that a service provider could swoop in during a minor emergency.

What is a home assistance benefit? 

Home assistance is a complimentary benefit that is typically offered under a home insurance plan. You may seek home assistance should something unexpected occur within or around your home such as power blackouts, lock issues, plumbing, aircon maintenance, and more. In most cases, your insurer can be easily reached through a dedicated 24-hour emergency hotline.

Difference between home assistance vs home insurance


Home assistanceHome insurance
Coverage Inconveniences
Eg. pest control, air con maintenance, plumbing, electrical and locks
Any damage to your physical property and personal belongings, including theft and accidents.

Plus home assistance might be included as an added perk.
BenefitFull or partial reimbursementLump sum payout
SeverityMinorMajor

Coverage

Smaller in scale as compared to home insurance coverage, home assistance provides services that take care of minor home emergencies such as locksmith assistance, plumbing, electrical repairs and pest control. This way, you’ll be spared from the mad scramble that usually comes from needing to get a household malfunction fixed, stat.

Benefit 

This doesn’t mean you can enjoy a payout everytime a minor inconvenience pops up — or that the service rendered by your insurer’s service provider is free. There’s no lump sum payout upon a successful claim. However, you will get to enjoy the ease of mind knowing you’ve got the right people on the job, as well as partial or full reimbursement depending on your plan.

Severity

At what point is home assistance needed? Unlike home insurance which covers major emergencies that warrants a lump sum payout to restore your home, home assistance is reserved for home emergencies and/or inconveniences that require professional help. 

Say in the event of a rodent infestation, or a faulty door lock preventing you from entering your home, these are some instances where you should call the home assistance hotline.

In conclusion: Is home assistance necessary?

Knowing that you have home assistance built into your home insurance plan is akin to enjoying extra peace of mind — especially when you take into account that minor inconveniences at home is more likely to happen than a full-blown fire (one hopes). 

To amp up your coverage, you may consider combining a home insurance and home assistance plan (eg. Allianz Assistance offers a standalone home assistance subscription plan) to ensure you’ve got the best of both worlds, particularly for homeowners whose home and/or renovations have started to show their age. After all, dealing with wear and tear is just part and parcel of long-term home ownership. 

In addition, there’s also much to be said of having a trusted network of service providers on speed dial. Left to your own devices, you won’t be able to tell if they’re reliable (and affordable) until the job gets done. Being able to count on that trusted network could be a huge load off your shoulders. 

Attention, savvy homeowners! Don’t miss out on a comprehensive home insurance plan — complete with 24/7 home assistance benefit — by signing up for Tiq Home Insurance!


Tiq Home Insurance is one newbie-friendly, flexible plan to take up, be it for new homeowners or those with a sudden realisation that HDB fire insurance doesn’t quite cut it. Expect a comprehensive base plan that covers valuable home content, renovations and even financial fraud, at affordable premiums.

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By Marissa Saini
Your friendly neighbourhood cat enthusiast who enjoys not being broke. Spend less, save more is the name of the game. Firm believer that being financially savvy is not about the destination, but the friends you make along the way.