Housebreaking is uncommon in Singapore but household insurance is still a good idea. A home contents insurance policy will cover your furniture, appliances, clothing and books from theft or damage from fire, lightning or explosion. Some insurers also offer separate coverage for valuable items such as jewellery, art pieces, antiques and collectables. Most of these policies only provide ’within location’ coverage but some insurers extend the coverage to goods that are stolen or damaged outside the boundaries of your home. Rates vary but you can expect to pay annual premiums of $2.50 per $10,000 sum insured for a building; $2.50 per $10,000 sum insured for fixtures, fittings and renovations and $15 per $10,000 sum insured for home contents.