Home insurance
AIG vs ERGO home insurance
As of 28 Oct 2026 (Singapore time)
Of the 11 examples both price, AIG was cheaper on 9, ERGO on 2. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | AIG | ERGO |
|---|---|---|
| HDB flat, owner, S$60,000 contents | S$75.76Homes Essential (HDB and condominium only)as at 12 Oct 2026 | S$88.94ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026 |
| Condo, tenant, S$30,000 contents | S$75.76Homes Essential (HDB and condominium only)as at 12 Oct 2026 | S$81.75ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026 |
| Landed house, owner, S$100,000 contents | No online price | S$272.50ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026 |
| HDB flat, owner, S$30,000 contents | S$75.76Homes Essential (HDB and condominium only)as at 12 Oct 2026 | S$53.41ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026 |
| HDB flat, owner, S$100,000 contents | S$75.76Homes Essential (HDB and condominium only)as at 12 Oct 2026 | S$148.24ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026 |
| HDB flat, tenant, S$30,000 contents | S$75.76Homes Essential (HDB and condominium only)as at 12 Oct 2026 | S$53.41ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026 |
| HDB flat, tenant, S$60,000 contents | S$75.76Homes Essential (HDB and condominium only)as at 12 Oct 2026 | S$88.94ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026 |
| HDB flat, tenant, S$100,000 contents | S$75.76Homes Essential (HDB and condominium only)as at 12 Oct 2026 | S$148.24ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026 |
| Condo, owner, S$30,000 contents | S$75.76Homes Essential (HDB and condominium only)as at 12 Oct 2026 | S$81.75ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026 |
| Condo, owner, S$60,000 contents | S$75.76Homes Essential (HDB and condominium only)as at 12 Oct 2026 | S$163.50ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026 |
| Condo, owner, S$100,000 contents | S$75.76Homes Essential (HDB and condominium only)as at 12 Oct 2026 | S$272.50ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026 |
| Condo, tenant, S$60,000 contents | S$75.76Homes Essential (HDB and condominium only)as at 12 Oct 2026 | S$163.50ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026 |
All prices include 9% GST.
These are example prices for the details above. Your own price depends on your answers.
Cover side by side
| Cover | AIG | ERGO |
|---|---|---|
| Renovations | Included in the S$150,000 combined contents and renovations limit; complimentary building cover up to S$100,000 | Not covered (contents only; ERGO's Custom plan can add building and renovations cover at extra cost, or take HomeSecure Smart or Enhanced) |
| Personal liability | S$400,000 | S$500,000 worldwide (top-up to S$3 million) |
| Alternative accommodation | Up to S$20,000, for up to 90 days | Not covered (a building and renovations benefit; contents-only cover has none) |
| Excess | S$0.00 | S$100.00 |
Dearer plans from either insurer can cover more. Read the policy wording before you buy.
Discounts running today
More about each
See every insurer's price for your own answers, cheapest first.
Get your own quoteQuestions people ask
Is AIG or ERGO cheaper for home insurance?
Of the 11 examples both price, AIG was cheaper on 9, ERGO on 2. Your own answers can change the order, so get your own quote.
How does AIG's cover compare with ERGO's?
On each one's cheapest plan for HDB flat, owner, S$60,000 contents (AIG Homes Essential (HDB and condominium only), ERGO ERGO HomeSecure Custom (contents only, no building or renovation cover)): Renovations: AIG Included in the S$150,000 combined contents and renovations limit; complimentary building cover up to S$100,000, ERGO Not covered (contents only; ERGO's Custom plan can add building and renovations cover at extra cost, or take HomeSecure Smart or Enhanced); Personal liability: AIG S$400,000, ERGO S$500,000 worldwide (top-up to S$3 million); Alternative accommodation: AIG Up to S$20,000, for up to 90 days, ERGO Not covered (a building and renovations benefit; contents-only cover has none); Excess: AIG S$0.00, ERGO S$100.00.
What discounts are AIG and ERGO running?
AIG: none to show. ERGO: none to show.