(Home insurance) Do you need building cover for hdb?

Wishdom

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I've heard different answers from different people.

Some people told me that the building is already covered by mscp and we don't have to insure the building on our own..

Others disagree...

So which is which?


Also... There is all risks and insured perils... Insured perils is cheaper and the covers perils seems comprehensive enough.. So is there any reason to pick all risks?

What is a suitable coverage for contents and fixtures & fittings? 4 room hdb

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