Home insurance
Best home insurance in Singapore (October 2026)
As of 28 Oct 2026 (Singapore time)
We priced every plan from 20 insurers on 3 common examples and scored each one on price, cover and excess. Commission never affects the order.
Top picks this month
| Insurer | Plan | Value score | From |
|---|---|---|---|
| 1. IncomeEnhanced Home Insurance, condo, tenant (your contents and S$150,000 renovations) | Enhanced Home Insurance, condo, tenant (your contents and S$150,000 renovations) | 73 | S$71.22 (as at 16 Oct 2026) |
| 2. SompoHomeMax for condo tenants (your contents sum) | HomeMax for condo tenants (your contents sum) | 73 | S$61.31 (as at 9 Oct 2026) |
| 3. AIGHomes Essential (HDB and condominium only) | Homes Essential (HDB and condominium only) | 71 | S$75.76 (as at 12 Oct 2026) |
| 4. MSIGEnhanced HomePlus Ultimate | Enhanced HomePlus Ultimate | 69 | S$43.60 (as at 11 Oct 2026) |
| 5. QBEHome Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000) | Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000) | 64 | S$109.00 (as at 11 Oct 2026) |
The value score (0 to 100) weighs each plan against the others priced for the same example: price counts for 50%, the main cover for 35% and the excess for 15%. Commission never affects it.
HDB flat, owner, S$60,000 contents
20 insurers price this. The cheapest plan is Sompo HomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000) at S$67.85 (as at 9 Oct 2026).
| Insurer | Plan | Score | Premium | Excess |
|---|---|---|---|---|
| IncomeEnhanced Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat; contents and S$60,000 renovations) | Enhanced Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat; contents and S$60,000 renovations) | 79 | S$71.22as at 16 Oct 2026 | S$0.00 |
| SompoHomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000) | HomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000) | 73 | S$67.85as at 9 Oct 2026 | S$0.00 |
| AIGHomes Essential (HDB and condominium only) | Homes Essential (HDB and condominium only) | 72 | S$75.76as at 12 Oct 2026 | S$0.00 |
| QBEHome Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000) | Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000) | 70 | S$109.00as at 11 Oct 2026 | S$100.00 |
| MSIGHomeEasy Gold (owner or landlord) | HomeEasy Gold (owner or landlord) | 69 | S$99.84as at 11 Oct 2026 | S$0.00 |
Condo, tenant, S$30,000 contents
20 insurers price this. The cheapest plan is MSIG HomeEasy Silver (tenant) at S$43.60 (as at 11 Oct 2026).
| Insurer | Plan | Score | Premium | Excess |
|---|---|---|---|---|
| IncomeEnhanced Home Insurance, condo, tenant (your contents and S$150,000 renovations) | Enhanced Home Insurance, condo, tenant (your contents and S$150,000 renovations) | 77 | S$98.59as at 16 Oct 2026 | S$0.00 |
| SompoHomeMax for condo tenants (your contents sum) | HomeMax for condo tenants (your contents sum) | 72 | S$61.31as at 9 Oct 2026 | S$100.00 |
| AIGHomes Essential (HDB and condominium only) | Homes Essential (HDB and condominium only) | 70 | S$75.76as at 12 Oct 2026 | S$0.00 |
| MSIGHomeEasy Silver (tenant) | HomeEasy Silver (tenant) | 68 | S$43.60as at 11 Oct 2026 | S$0.00 |
| SinglifeHome Lite (S$35,000 contents) | Home Lite (S$35,000 contents) | 65 | S$81.21as at 5 Oct 2026 | S$0.00 |
Landed house, owner, S$100,000 contents
19 insurers price this. The cheapest plan is Sompo HomeVital for landed owners (your contents sum, plus renovations S$80,000) at S$120.99 (as at 9 Oct 2026).
| Insurer | Plan | Score | Premium | Excess |
|---|---|---|---|---|
| SompoHomeVital for landed owners (your contents sum, plus renovations S$80,000) | HomeVital for landed owners (your contents sum, plus renovations S$80,000) | 74 | S$120.99as at 9 Oct 2026 | S$0.00 |
| MSIGEnhanced HomePlus Ultimate | Enhanced HomePlus Ultimate | 69 | S$190.10as at 11 Oct 2026 | S$0.00 |
| ChubbDBS myHome Protect II Premium (underwritten by Chubb) | DBS myHome Protect II Premium (underwritten by Chubb) | 65 | S$226.76as at 15 Oct 2026 | S$0.00 |
| UOIUniHome Insurance, landed home (your contents sum, renovations S$100,000, no building cover) | UniHome Insurance, landed home (your contents sum, renovations S$100,000, no building cover) | 63 | S$153.58as at 11 Oct 2026 | S$100.00 |
| EQ InsuranceEQ HomeGUARD PLUS Superior | EQ HomeGUARD PLUS Superior | 63 | S$163.50as at 5 Oct 2026 | S$100.00 |
All prices include 9% GST.
These are example prices for the details above. Your own price depends on your answers.
See every insurer's price for your own answers, with the value score on each plan.
Get your own quoteQuestions people ask
What is the best home insurance in Singapore in October 2026?
On our value score, Income (Enhanced Home Insurance, condo, tenant (your contents and S$150,000 renovations)) ranks first this month, then Sompo and AIG. The ranking covers 3 common examples, worked out from each insurer's current rates. The best plan for you depends on your own answers and the cover you need.
What is the cheapest home insurance?
For HDB flat, owner, S$60,000 contents, the cheapest plan today is Sompo HomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000) at S$67.85 (as at 9 Oct 2026), GST included. The cheapest plan is not always the best value: compare its cover and excess too.
How is the value score worked out?
The value score (0 to 100) weighs each plan against the others priced for the same example: price counts for 50%, the main cover for 35% and the excess for 15%. Commission never affects it.
Do insurers pay to be ranked higher?
No. Insurers cannot pay for a place on this page. We are paid commission when you buy, but it never affects the order.
How often is this ranking updated?
The prices are worked out again from each insurer's current rates every day, and the page is retitled each month. A new rate table or discount changes the ranking at once.