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Fire.
Banks require fire insurance to be taken on properties mortgaged to them. Many home loan packages come with fire insurance free for the 1st year. The bank will assist you in arranging for such insurance.

Home content.
Fire insurance will only cover you for the reinstatement of your property to the condition in which the developer or HDB handed it over to you. Any renovations you have made to your home and all the furniture and appliances within are not cover. Home content insurance can protect the contents of your home from any unforeseen circumstances, not just those caused by fire.

Mortgage Reducing Term Assurance
A Mortgage Reducing Term Assurance (MRTA) is a term life insurance which purpose is to pay off your mortgage should you befall an untimely death. The surviving provider will not have to worry about keeping a roof over the heads of your family. Hence it is highly recommended for the home that you live in. For complete peace of mind, joint life policies can be obtained. We advise you to assign the MRTA to the bank, so that any money paid from the policy that is used to pay the mortgage will not be subject estate duties.