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Can I apply to be partially exempted from Home Protection Scheme?
You cannot be exempted from Home Protection Scheme (HPS) and insured under HPS at the same time. However, you may apply to be 50% exempted from HPS while your co-owner apply for a 50% HPS share of cover.
 
The total share of coverage for all co-owners must add up to at least 100%.
 
You are encouraged to be insured under your private insurance based on your share of responsibility to service your housing loan. This is to ensure that you have sufficient insurance policy coverage to settle your share of outstanding housing loan in the event of a claim.