Home insurance
Allianz vs Income home insurance
As of 28 Oct 2026 (Singapore time)
Of the 12 examples both price, Allianz was cheaper on 5, Income on 7. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | Allianz | Income |
|---|---|---|
| HDB flat, owner, S$60,000 contents | S$153.69Home Protect Gold (S$60,000 contents, S$90,000 renovations)as at 12 Oct 2026 | S$71.22Enhanced Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat; contents and S$60,000 renovations)as at 16 Oct 2026 |
| Condo, tenant, S$30,000 contents | S$98.10Home Protect Silver (S$40,000 contents, S$60,000 renovations)as at 12 Oct 2026 | S$98.59Enhanced Home Insurance, condo, tenant (your contents and S$150,000 renovations)as at 16 Oct 2026 |
| Landed house, owner, S$100,000 contents | S$273.59Home Protect Platinum (S$100,000 contents, S$150,000 renovations)as at 12 Oct 2026 | S$430.55Enhanced Home Insurance, landed house (S$600,000 building and S$150,000 renovations included)as at 16 Oct 2026 |
| HDB flat, owner, S$30,000 contents | S$98.10Home Protect Silver (S$40,000 contents, S$60,000 renovations)as at 12 Oct 2026 | S$43.10Enhanced Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat; contents and S$60,000 renovations)as at 16 Oct 2026 |
| HDB flat, owner, S$100,000 contents | S$273.59Home Protect Platinum (S$100,000 contents, S$150,000 renovations)as at 12 Oct 2026 | S$108.72Enhanced Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat; contents and S$60,000 renovations)as at 16 Oct 2026 |
| HDB flat, tenant, S$30,000 contents | S$98.10Home Protect Silver (S$40,000 contents, S$60,000 renovations)as at 12 Oct 2026 | S$43.10Enhanced Home Insurance, HDB flat, tenant (your contents and S$60,000 renovations)as at 16 Oct 2026 |
| HDB flat, tenant, S$60,000 contents | S$153.69Home Protect Gold (S$60,000 contents, S$90,000 renovations)as at 12 Oct 2026 | S$71.22Enhanced Home Insurance, HDB flat, tenant (your contents and S$60,000 renovations)as at 16 Oct 2026 |
| HDB flat, tenant, S$100,000 contents | S$273.59Home Protect Platinum (S$100,000 contents, S$150,000 renovations)as at 12 Oct 2026 | S$108.72Enhanced Home Insurance, HDB flat, tenant (your contents and S$60,000 renovations)as at 16 Oct 2026 |
| Condo, owner, S$30,000 contents | S$98.10Home Protect Silver (S$40,000 contents, S$60,000 renovations)as at 12 Oct 2026 | S$257.58Enhanced Home Insurance, condo (S$390,000 building and S$150,000 renovations included)as at 16 Oct 2026 |
| Condo, owner, S$60,000 contents | S$153.69Home Protect Gold (S$60,000 contents, S$90,000 renovations)as at 12 Oct 2026 | S$295.02Enhanced Home Insurance, condo (S$390,000 building and S$150,000 renovations included)as at 16 Oct 2026 |
| Condo, owner, S$100,000 contents | S$273.59Home Protect Platinum (S$100,000 contents, S$150,000 renovations)as at 12 Oct 2026 | S$344.94Enhanced Home Insurance, condo (S$390,000 building and S$150,000 renovations included)as at 16 Oct 2026 |
| Condo, tenant, S$60,000 contents | S$153.69Home Protect Gold (S$60,000 contents, S$90,000 renovations)as at 12 Oct 2026 | S$136.03Enhanced Home Insurance, condo, tenant (your contents and S$150,000 renovations)as at 16 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 | Allianz | Income |
|---|---|---|
| Renovations | 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 | S$60,000 |
| Personal liability | S$2,000,000 an event, worldwide (you and your family members) | S$5,000,000 |
| Alternative accommodation | 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 | 10% of your renovation and contents sums: S$7,500, S$9,000, S$12,000 or S$16,000 with S$15,000, S$30,000, S$60,000 or S$100,000 contents, for lost rental income and extra hotel expenses (up to S$350 a day) |
| Excess | S$100.00 | S$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.
Get your own quoteQuestions people ask
Is Allianz or Income cheaper for home insurance?
Of the 12 examples both price, Allianz was cheaper on 5, Income on 7. Your own answers can change the order, so get your own quote.
How does Allianz's cover compare with Income'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), Income Enhanced Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat; contents and S$60,000 renovations)): 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, Income S$60,000; Personal liability: Allianz S$2,000,000 an event, worldwide (you and your family members), Income S$5,000,000; 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, Income 10% of your renovation and contents sums: S$7,500, S$9,000, S$12,000 or S$16,000 with S$15,000, S$30,000, S$60,000 or S$100,000 contents, for lost rental income and extra hotel expenses (up to S$350 a day); Excess: Allianz S$100.00, Income S$0.00.
What discounts are Allianz and Income running?
Allianz: none to show. Income: none to show.