Fire insurance covers the structure of the building, which includes core structures such as ceilings, walls and basic floorings provided by the developer. HDB fire insurance is also only available for HDB apartments and not private properties.
In comparison, home insurance covers both the items in your home and the structure of the building. For example, renovations, built-in fixtures, furniture, electrical appliances, and even personal possessions such as clothing, devices, and pets are all included.