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Home insurance

Allianz vs FWD home insurance

As of 28 Oct 2026 (Singapore time)

Of the 12 examples both price, Allianz was cheaper on 1, FWD on 11. 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.
ExampleAllianzFWD
HDB flat, owner, S$60,000 contentsS$153.69Home Protect Gold (S$60,000 contents, S$90,000 renovations)as at 12 Oct 2026S$98.78FWD Home Insurance, HDB flat (renovations S$20,000 and the S$82,000 building included; 3/4-room pricing)as at 15 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$77.92FWD Home Insurance, condo, tenant (your contents only)as at 15 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$229.45FWD Home Insurance, landed house (renovations S$80,000 included; building cover not included)as at 15 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$84.99FWD Home Insurance, HDB flat (renovations S$20,000 and the S$82,000 building included; 3/4-room pricing)as at 15 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$130.75FWD Home Insurance, HDB flat (renovations S$20,000 and the S$82,000 building included; 3/4-room pricing)as at 15 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$70.31FWD Home Insurance, HDB flat, tenant (your contents only)as at 15 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$84.09FWD Home Insurance, HDB flat, tenant (your contents only)as at 15 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$116.06FWD Home Insurance, HDB flat, tenant (your contents only)as at 15 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$109.97FWD Home Insurance, condo (renovations S$80,000 included; 2/3-bedroom pricing)as at 15 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$130.19FWD Home Insurance, condo (renovations S$80,000 included; 2/3-bedroom pricing)as at 15 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$169.18FWD Home Insurance, condo (renovations S$80,000 included; 2/3-bedroom pricing)as at 15 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$98.14FWD Home Insurance, condo, tenant (your contents only)as at 15 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), FWD FWD Home Insurance, HDB flat (renovations S$20,000 and the S$82,000 building included; 3/4-room pricing).
CoverAllianzFWD
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$20,000 (the funnel’s default; more can be chosen on FWD’s site, up to S$100,000)
Personal liabilityS$2,000,000 an event, worldwide (you and your family members)Up to S$500,000 worldwide
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 eventTemporary accommodation and storage up to S$300 a day: S$15,000 (contents sum up to S$40,000) or S$35,000 (above S$40,000)
ExcessS$100.00S$0.00

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.

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Questions people ask

Is Allianz or FWD cheaper for home insurance?

Of the 12 examples both price, Allianz was cheaper on 1, FWD on 11. Your own answers can change the order, so get your own quote.

How does Allianz's cover compare with FWD'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), FWD FWD Home Insurance, HDB flat (renovations S$20,000 and the S$82,000 building included; 3/4-room pricing)): 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, FWD S$20,000 (the funnel’s default; more can be chosen on FWD’s site, up to S$100,000); Personal liability: Allianz S$2,000,000 an event, worldwide (you and your family members), FWD Up to S$500,000 worldwide; 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, FWD Temporary accommodation and storage up to S$300 a day: S$15,000 (contents sum up to S$40,000) or S$35,000 (above S$40,000); Excess: Allianz S$100.00, FWD S$0.00.

What discounts are Allianz and FWD running?

Allianz: none to show. FWD: none to show.