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Home insurance

Allianz vs Etiqa home insurance

As of 28 Oct 2026 (Singapore time)

Of the 12 examples both price, Allianz was cheaper on 2, Etiqa 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.
ExampleAllianzEtiqa
HDB flat, owner, S$60,000 contentsS$153.69Home Protect Gold (S$60,000 contents, S$90,000 renovations)as at 12 Oct 2026S$79.91Tiq Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat)as at 19 Oct 2026code TIQHOME25PLUS
Condo, tenant, S$30,000 contentsS$98.10Home Protect Silver (S$40,000 contents, S$60,000 renovations)as at 12 Oct 2026S$57.70Tiq Home Insurance (condominium, tenant)as at 19 Oct 2026code TIQHOME25PLUS
Landed house, owner, S$100,000 contentsS$273.59Home Protect Platinum (S$100,000 contents, S$150,000 renovations)as at 12 Oct 2026S$289.42Tiq Home Insurance (landed, owner)as at 19 Oct 2026code TIQHOME25PLUS
HDB flat, owner, S$30,000 contentsS$98.10Home Protect Silver (S$40,000 contents, S$60,000 renovations)as at 12 Oct 2026S$70.13Tiq Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat)as at 19 Oct 2026code TIQHOME25PLUS
HDB flat, owner, S$100,000 contentsS$273.59Home Protect Platinum (S$100,000 contents, S$150,000 renovations)as at 12 Oct 2026S$109.25Tiq Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat)as at 19 Oct 2026code TIQHOME25PLUS
HDB flat, tenant, S$30,000 contentsS$98.10Home Protect Silver (S$40,000 contents, S$60,000 renovations)as at 12 Oct 2026S$54.28Tiq Home Insurance (HDB, tenant)as at 19 Oct 2026code TIQHOME25PLUS
HDB flat, tenant, S$60,000 contentsS$153.69Home Protect Gold (S$60,000 contents, S$90,000 renovations)as at 12 Oct 2026S$64.06Tiq Home Insurance (HDB, tenant)as at 19 Oct 2026code TIQHOME25PLUS
HDB flat, tenant, S$100,000 contentsS$273.59Home Protect Platinum (S$100,000 contents, S$150,000 renovations)as at 12 Oct 2026S$93.40Tiq Home Insurance (HDB, tenant)as at 19 Oct 2026code TIQHOME25PLUS
Condo, owner, S$30,000 contentsS$98.10Home Protect Silver (S$40,000 contents, S$60,000 renovations)as at 12 Oct 2026S$103.35Tiq Home Insurance (condominium, owner)as at 19 Oct 2026code TIQHOME25PLUS
Condo, owner, S$60,000 contentsS$153.69Home Protect Gold (S$60,000 contents, S$90,000 renovations)as at 12 Oct 2026S$128.96Tiq Home Insurance (condominium, owner)as at 19 Oct 2026code TIQHOME25PLUS
Condo, owner, S$100,000 contentsS$273.59Home Protect Platinum (S$100,000 contents, S$150,000 renovations)as at 12 Oct 2026S$154.56Tiq Home Insurance (condominium, owner)as at 19 Oct 2026code TIQHOME25PLUS
Condo, tenant, S$60,000 contentsS$153.69Home Protect Gold (S$60,000 contents, S$90,000 renovations)as at 12 Oct 2026S$88.43Tiq Home Insurance (condominium, tenant)as at 19 Oct 2026code TIQHOME25PLUS

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), Etiqa Tiq Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat).
CoverAllianzEtiqa
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 coverS$80,000 (Tiq’s first option for a 4-room flat, in the price shown; ticking “insured under HDB Fire Insurance” keeps it, and it cannot then be unticked)
Personal liabilityS$2,000,000 an event, worldwide (you and your family members)S$500,000 worldwide (except the USA and Canada)
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 eventEmergency cash allowance S$5,000 if the home is 100% uninhabitable, S$2,500 if at least 50%
ExcessS$100.00S$0.00

Dearer plans from either insurer can cover more. Read the policy wording before you buy.

Discounts running today

  • Allianz: none to show
  • Etiqa: Promo code TIQHOME25PLUS: 25% off

More about each

See every insurer's price for your own answers, cheapest first.

Get your own quote

Questions people ask

Is Allianz or Etiqa cheaper for home insurance?

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

How does Allianz's cover compare with Etiqa'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), Etiqa Tiq Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat)): 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, Etiqa S$80,000 (Tiq’s first option for a 4-room flat, in the price shown; ticking “insured under HDB Fire Insurance” keeps it, and it cannot then be unticked); Personal liability: Allianz S$2,000,000 an event, worldwide (you and your family members), Etiqa S$500,000 worldwide (except the USA and Canada); 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, Etiqa Emergency cash allowance S$5,000 if the home is 100% uninhabitable, S$2,500 if at least 50%; Excess: Allianz S$100.00, Etiqa S$0.00.

What discounts are Allianz and Etiqa running?

Allianz: none to show. Etiqa: Promo code TIQHOME25PLUS: 25% off.