Home insurance
What is the cheapest home insurance in Singapore?
Each insurer's cheapest plan today, cheapest first, with the cover it gives. Set its renovation and liability cover beside its price.
Compare every insurer we price for an HDB flat, owner on one page: https://shentonbrokers.com/prices/home/hdb-4-room-owner-60k
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/cheapest-home-insurance
Home insurance promotions today: HL Assurance, 6 months free; Etiqa, 25% off; Sompo, 25% off. Prices shown include discounts from featured insurers; other insurers are shown at full price with no discount.
On 12 Nov 2026, the cheapest home insurance for the owner of an HDB flat with S$60,000 of belongings is S$67.85 a year (GST included) at Sompo, HomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000); 20 insurers price it.
HDB flat, owner, S$60,000 of belongings
| Insurer | Price | Renovation | Liability |
|---|---|---|---|
| 1. SompoHomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000)Buy Now | S$67.85 | S$40,000 | S$500,000 |
| 2. IncomeEnhanced Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat; contents and S$60,000 renovations)Buy Now | S$71.22 | S$60,000 | S$5,000,000 |
| 3. AIGHomes Essential (HDB and condominium only)Buy Now | S$75.76 | S$150,000 | S$400,000 |
| 4. EtiqaTiq Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat)Buy Now | S$79.91 | S$80,000 | S$500,000 |
| 5. UOIUniHome Insurance, HDB flat (contents only, no renovation cover, no building cover)Buy Now | S$82.95 | Not included | S$500,000 |
| 6. ERGOERGO HomeSecure Custom (contents only, no building or renovation cover)Buy Now | S$88.94 | Not included | S$500,000 |
| 7. FWDFWD Home Insurance, HDB flat (renovations S$20,000 and the S$82,000 building included; 3/4-room pricing)Buy Now | S$98.78 | S$20,000 | S$500,000 |
| 8. MSIGHomeEasy Gold (owner or landlord)Buy Now | S$99.84 | S$120,000 | S$1,000,000 |
| 9. QBEHome Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000)Buy Now | S$109.00 | S$100,000 | S$5,000,000 |
| 10. ECICSHome Contents Insurance for owners (1-year; S$30,000 renovations; 4-room or larger unit)Buy Now | S$118.81 | S$30,000 | S$500,000 |
| 11. Great EasternValueBuy Now | S$123.17 | S$70,000 | S$500,000 |
| 12. HL AssuranceHome Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums)Buy Now | S$145.38 | S$100,000 | S$500,000 |
| 13. AllianzHome Protect Gold (S$60,000 contents, S$90,000 renovations)Buy Now | S$153.69 | S$90,000 | S$2,000,000 |
| 14. EQ InsuranceEQ HomeGUARD PLUS SuperiorBuy Now | S$163.50 | S$100,000 | S$1,000,000 |
| 15. LibertyLiberty HomeCare Top-up Plan (Plan C topped up to your contents sum)Buy Now | S$222.36 | S$200,000 | S$500,000 |
| 16. ChubbDBS myHome Protect II Premium (underwritten by Chubb)Buy Now | S$226.76 | S$150,000 | S$1,000,000 |
| 17. LonpacHome Protection, contents cover (owner occupied; free S$1m family liability and family PA)Buy Now | S$228.90 | Not included | S$1,000,000 |
| 18. SinglifeHome Plus (S$100,000 contents)Buy Now | S$243.89 | S$100,000 | S$500,000 |
| 19. India Internationali-Home (your contents sum, plus fixtures and renovations S$50,000)Buy Now | S$258.88 | S$50,000 | S$1,000,000 |
| 20. Great AmericanGreat Home Insurance Elite (S$60,000 contents)Buy Now | S$272.50 | S$200,000 | S$500,000 |
Cheapest with at least S$500,000 of personal liability: Sompo, HomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000), S$67.85. Every plan for this example.
Condo, tenant, S$30,000 of belongings
| Insurer | Price | Renovation | Liability |
|---|---|---|---|
| 1. MSIGHomeEasy Silver (tenant)Buy Now | S$43.60 | Not included | S$1,000,000 |
| 2. SompoHomeVital for condo tenants (your contents sum)Buy Now | S$54.50 | Not included | S$500,000 |
| 3. EtiqaTiq Home Insurance (condominium, tenant)Buy Now | S$57.70 | Not included | S$500,000 |
| 4. AIGHomes Essential (HDB and condominium only)Buy Now | S$75.76 | S$150,000 | S$400,000 |
| 5. FWDFWD Home Insurance, condo, tenant (your contents only)Buy Now | S$77.92 | Not included | Not included |
| 6. SinglifeHome Lite (S$35,000 contents)Buy Now | S$81.21 | S$75,000 | S$500,000 |
| 7. ERGOERGO HomeSecure Custom (contents only, for tenants)Buy Now | S$81.75 | Not included | S$500,000 |
| 8. UOIUniHome Insurance, condominium or apartment (contents only, no renovation cover, no building cover)Buy Now | S$91.45 | Not included | S$1,000,000 |
| 9. AllianzHome Protect Silver (S$40,000 contents, S$60,000 renovations)Buy Now | S$98.10 | S$60,000 | S$2,000,000 |
| 10. IncomeEnhanced Home Insurance, condo, tenant (your contents and S$150,000 renovations)Buy Now | S$98.59 | S$150,000 | S$5,000,000 |
| 11. ECICSHome Contents Insurance for tenants (1-year; contents and liability, no renovations)Buy Now | S$106.82 | Not included | S$500,000 |
| 12. EQ InsuranceEQ HomeGUARD PLUS DeluxeBuy Now | S$109.00 | S$50,000 | S$750,000 |
| 13. LonpacHome Protection, contents cover (tenant occupied)Buy Now | S$114.45 | Not included | Not included |
| 14. Great AmericanGreat Home Insurance Standard (S$30,000 contents)Buy Now | S$119.90 | S$70,000 | S$500,000 |
| 15. HL AssuranceHome ProtectLite (annual)Buy Now | S$121.11 | S$50,000 | S$50,000 |
| 16. ChubbDBS myHome Protect II Classic (underwritten by Chubb)Buy Now | S$122.12 | S$100,000 | S$1,000,000 |
| 17. LibertyLiberty HomeCare Plan BBuy Now | S$130.80 | S$100,000 | S$500,000 |
| 18. Great EasternStandard (Tenant)Buy Now | S$152.61 | Not included | S$500,000 |
| 19. India Internationali-Home (your contents sum, plus fixtures and renovations S$50,000)Buy Now | S$160.78 | S$50,000 | S$1,000,000 |
| 20. QBEHome Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000)Buy Now | S$163.50 | S$100,000 | S$5,000,000 |
Cheapest with at least S$500,000 of personal liability: MSIG, HomeEasy Silver (tenant), S$43.60. Every plan for this example.
Landed house, owner, S$100,000 of belongings
| Insurer | Price | Renovation | Liability |
|---|---|---|---|
| 1. SompoHomeVital for landed owners (your contents sum, plus renovations S$80,000)Buy Now | S$120.99 | S$80,000 | S$500,000 |
| 2. UOIUniHome Insurance, landed home (contents only, no renovation cover, no building cover)Buy Now | S$126.33 | Not included | S$1,000,000 |
| 3. HL AssuranceHome Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums)Buy Now | S$145.38 | S$100,000 | S$500,000 |
| 4. EQ InsuranceEQ HomeGUARD PLUS SuperiorBuy Now | S$163.50 | S$100,000 | S$1,000,000 |
| 5. ECICSHome Contents Insurance for owners (1-year; S$30,000 renovations; 4-room or larger unit)Buy Now | S$168.95 | S$30,000 | S$500,000 |
| 6. Great EasternValueBuy Now | S$185.30 | S$70,000 | S$500,000 |
| 7. MSIGEnhanced HomePlus UltimateBuy Now | S$190.10 | S$150,000 | S$1,000,000 |
| 8. ChubbDBS myHome Protect II Premium (underwritten by Chubb)Buy Now | S$226.76 | S$150,000 | S$1,000,000 |
| 9. FWDFWD Home Insurance, landed house (renovations S$80,000 included; building cover not included)Buy Now | S$229.45 | S$80,000 | S$500,000 |
| 10. SinglifeHome Plus (S$100,000 contents)Buy Now | S$243.89 | S$100,000 | S$500,000 |
| 11. QBEHome Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000)Buy Now | S$261.60 | S$100,000 | S$5,000,000 |
| 12. ERGOERGO HomeSecure Custom (contents only, no building or renovation cover)Buy Now | S$272.50 | Not included | S$500,000 |
| 13. AllianzHome Protect Platinum (S$100,000 contents, S$150,000 renovations)Buy Now | S$273.59 | S$150,000 | S$2,000,000 |
| 14. EtiqaTiq Home Insurance (landed, owner)Buy Now | S$289.42 | S$100,000 | S$1,000,000 |
| 15. LibertyLiberty HomeCare Top-up Plan (Plan C topped up to your contents sum)Buy Now | S$327.00 | S$200,000 | S$500,000 |
| 16. Great AmericanGreat Home Insurance Ultimate (your contents sum, S$200,000 renovations)Buy Now | S$381.50 | S$200,000 | S$500,000 |
| 17. LonpacHome Protection, contents cover (owner occupied; free S$1m family liability and family PA)Buy Now | S$381.50 | Not included | S$1,000,000 |
| 18. India Internationali-Home (your contents sum, plus fixtures and renovations S$50,000)Buy Now | S$389.68 | S$50,000 | S$1,000,000 |
| 19. IncomeEnhanced Home Insurance, landed house (S$600,000 building and S$150,000 renovations included)Buy Now | S$430.55 | S$150,000 | S$5,000,000 |
Cheapest with at least S$500,000 of personal liability: Sompo, HomeVital for landed owners (your contents sum, plus renovations S$80,000), S$120.99. Every plan for this example.
Compare home insurance for your own answers.
Buy Now addresses
Each listed insurer's best-value plan for HDB flat, owner, S$60,000 contents, lowest premium first.
- Sompo, HomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000): https://www.sompo.com.sg/products/home/quotation/GetQuote?p=STI33804
- AIG, Homes Essential (HDB and condominium only): https://www.aig.sg/home/solutions/personal/home-insurance/homes-essential?pc=030303
- Etiqa, Tiq Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat): https://www.tiq.com.sg/buy-online/home-insurance/quotation/?referral=A501895
- Income, Enhanced Home Insurance, HDB flat (building and S$60,000 renovations included): https://shentonbrokers.com/go/buy/home/income/hdb-owner?occupancy=owner&propertyType=hdb&contentsSum=60000
- MSIG, HomeEasy Gold (owner or landlord): https://shentonbrokers.com/go/msig/home-homeeasy
- QBE, Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000): https://sg-customer.qbe.com/home/partner/01001305
- ERGO, ERGO HomeSecure Smart or Enhanced (plan by property type and contents sum): https://shentonbrokers.com/go/buy/home/ergo/homesecure?occupancy=owner&propertyType=hdb&contentsSum=60000
- HL Assurance, Home Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums): https://app.hlas.com.sg/redirect?source=agent&sac=SI000001&mwc=SIB&referrer=a/a/vivien
- Liberty, Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum): https://shentonbrokers.com/go/buy/home/liberty/top-up?occupancy=owner&propertyType=hdb&contentsSum=60000
- Great American, Great Home Insurance Elite (S$60,000 contents): https://shentonbrokers.com/go/buy/home/great-american/elite?occupancy=owner&propertyType=hdb&contentsSum=60000
Questions people ask
Which insurer is cheapest for the owner of an HDB flat with S$60,000 of belongings?
Today, the cheapest home insurance for the owner of an HDB flat with S$60,000 of belongings is S$67.85 a year (GST included) at Sompo, HomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000); 20 insurers price it.
What is the cheapest plan with at least S$500,000 of personal liability, for the owner of an HDB flat with S$60,000 of belongings?
Sompo, HomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000), at S$67.85 a year on today's prices, GST included.
Which insurer is cheapest for a tenant in a condo with S$30,000 of belongings?
Today, the cheapest home insurance for a tenant in a condo with S$30,000 of belongings is S$43.60 a year (GST included) at MSIG, HomeEasy Silver (tenant); 20 insurers price it.
What is the cheapest plan with at least S$500,000 of personal liability, for a tenant in a condo with S$30,000 of belongings?
MSIG, HomeEasy Silver (tenant), at S$43.60 a year on today's prices, GST included.
Which insurer is cheapest for the owner of a landed house with S$100,000 of belongings?
Today, the cheapest home insurance for the owner of a landed house with S$100,000 of belongings is S$120.99 a year (GST included) at Sompo, HomeVital for landed owners (your contents sum, plus renovations S$80,000); 19 insurers price it.
What is the cheapest plan with at least S$500,000 of personal liability, for the owner of a landed house with S$100,000 of belongings?
Sompo, HomeVital for landed owners (your contents sum, plus renovations S$80,000), at S$120.99 a year on today's prices, GST included.
Does the cheapest home plan cover renovations?
Not always, and not to the same limit: the tables show each plan's renovation cover, and "Not included" where it has none.