Shenton Brokers
Log in
← Compare other insurers

Home insurance

Allianz vs ERGO home insurance

As of 28 Oct 2026 (Singapore time)

Of the 12 examples both price, Allianz was cheaper on 2, ERGO on 10. Your own answers can change the order, so get your own quote.

Lowest price on each example

Each insurer's cheapest plan for the example, with any discount it is running taken off.
ExampleAllianzERGO
HDB flat, owner, S$60,000 contentsS$153.69Home Protect Gold (S$60,000 contents, S$90,000 renovations)as at 12 Oct 2026S$88.94ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026
Condo, tenant, S$30,000 contentsS$98.10Home Protect Silver (S$40,000 contents, S$60,000 renovations)as at 12 Oct 2026S$81.75ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026
Landed house, owner, S$100,000 contentsS$273.59Home Protect Platinum (S$100,000 contents, S$150,000 renovations)as at 12 Oct 2026S$272.50ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026
HDB flat, owner, S$30,000 contentsS$98.10Home Protect Silver (S$40,000 contents, S$60,000 renovations)as at 12 Oct 2026S$53.41ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026
HDB flat, owner, S$100,000 contentsS$273.59Home Protect Platinum (S$100,000 contents, S$150,000 renovations)as at 12 Oct 2026S$148.24ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026
HDB flat, tenant, S$30,000 contentsS$98.10Home Protect Silver (S$40,000 contents, S$60,000 renovations)as at 12 Oct 2026S$53.41ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026
HDB flat, tenant, S$60,000 contentsS$153.69Home Protect Gold (S$60,000 contents, S$90,000 renovations)as at 12 Oct 2026S$88.94ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026
HDB flat, tenant, S$100,000 contentsS$273.59Home Protect Platinum (S$100,000 contents, S$150,000 renovations)as at 12 Oct 2026S$148.24ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026
Condo, owner, S$30,000 contentsS$98.10Home Protect Silver (S$40,000 contents, S$60,000 renovations)as at 12 Oct 2026S$81.75ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026
Condo, owner, S$60,000 contentsS$153.69Home Protect Gold (S$60,000 contents, S$90,000 renovations)as at 12 Oct 2026S$163.50ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026
Condo, owner, S$100,000 contentsS$273.59Home Protect Platinum (S$100,000 contents, S$150,000 renovations)as at 12 Oct 2026S$272.50ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026
Condo, tenant, S$60,000 contentsS$153.69Home Protect Gold (S$60,000 contents, S$90,000 renovations)as at 12 Oct 2026S$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

Each insurer's cheapest plan for HDB flat, owner, S$60,000 contents: Allianz Home Protect Gold (S$60,000 contents, S$90,000 renovations), ERGO ERGO HomeSecure Custom (contents only, no building or renovation cover).
CoverAllianzERGO
RenovationsS$90,000 a year (walls, windows, ceilings, floors, doors and household improvements, including those by the developer; professional fees share this limit); the building itself only with the optional extra renovations and building coverNot covered (contents only; ERGO's Custom plan can add building and renovations cover at extra cost, or take HomeSecure Smart or Enhanced)
Personal liabilityS$2,000,000 an event, worldwide (you and your family members)S$500,000 worldwide (top-up to S$3 million)
Alternative accommodationS$15,000 an event for alternative lodging, loss of rent, utility and conservancy charges while the home is uninhabitable after a covered peril; plus emergency cash allowance S$1,000 an eventNot covered (a building and renovations benefit; contents-only cover has none)
ExcessS$100.00S$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 quote

Questions people ask

Is Allianz or ERGO cheaper for home insurance?

Of the 12 examples both price, Allianz was cheaper on 2, ERGO on 10. Your own answers can change the order, so get your own quote.

How does Allianz's cover compare with ERGO's?

On each one's cheapest plan for HDB flat, owner, S$60,000 contents (Allianz Home Protect Gold (S$60,000 contents, S$90,000 renovations), ERGO ERGO HomeSecure Custom (contents only, no building or renovation cover)): Renovations: Allianz S$90,000 a year (walls, windows, ceilings, floors, doors and household improvements, including those by the developer; professional fees share this limit); the building itself only with the optional extra renovations and building cover, 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: Allianz S$2,000,000 an event, worldwide (you and your family members), ERGO S$500,000 worldwide (top-up to S$3 million); Alternative accommodation: Allianz S$15,000 an event for alternative lodging, loss of rent, utility and conservancy charges while the home is uninhabitable after a covered peril; plus emergency cash allowance S$1,000 an event, ERGO Not covered (a building and renovations benefit; contents-only cover has none); Excess: Allianz S$100.00, ERGO S$100.00.

What discounts are Allianz and ERGO running?

Allianz: none to show. ERGO: none to show.