Home insurance
Allianz vs Liberty home insurance
As of 28 Oct 2026 (Singapore time)
Of the 12 examples both price, Allianz was cheaper on 12, Liberty on 0. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | Allianz | Liberty |
|---|---|---|
| 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$222.36Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)as at 9 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$130.80Liberty HomeCare Plan Bas at 9 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$327.00Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)as at 9 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$130.80Liberty HomeCare Plan Bas at 9 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$327.00Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)as at 9 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$130.80Liberty HomeCare Plan Bas at 9 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$222.36Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)as at 9 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$327.00Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)as at 9 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$130.80Liberty HomeCare Plan Bas at 9 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$222.36Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)as at 9 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$327.00Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)as at 9 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$222.36Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)as at 9 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 | Liberty |
|---|---|---|
| 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 | Part of building cover (building including renovations and improvements, fire and extraneous perils): S$200,000 (more at 0.0545% a year, up to S$3,500,000) |
| Personal liability | S$2,000,000 an event, worldwide (you and your family members) | S$500,000 in Singapore (Plan C's limit; more at S$27.25 a year for every further S$500,000, up to S$1,000,000; worldwide, excluding USA and Canada, at S$1,000,000 is a paid option: S$81.75 a year on the Top-up Plan) |
| 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 | Up to 10% of the building sum (S$20,000) plus up to 10% of the contents sum (S$6,000 or S$10,000) while the home is uninhabitable; also personal accident S$50,000 a policy (S$10,000 a person) and emergency home assistance S$100 an event, 2 events |
| 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 Liberty cheaper for home insurance?
Of the 12 examples both price, Allianz was cheaper on 12, Liberty on 0. Your own answers can change the order, so get your own quote.
How does Allianz's cover compare with Liberty'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), Liberty Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)): 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, Liberty Part of building cover (building including renovations and improvements, fire and extraneous perils): S$200,000 (more at 0.0545% a year, up to S$3,500,000); Personal liability: Allianz S$2,000,000 an event, worldwide (you and your family members), Liberty S$500,000 in Singapore (Plan C's limit; more at S$27.25 a year for every further S$500,000, up to S$1,000,000; worldwide, excluding USA and Canada, at S$1,000,000 is a paid option: S$81.75 a year on the Top-up Plan); 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, Liberty Up to 10% of the building sum (S$20,000) plus up to 10% of the contents sum (S$6,000 or S$10,000) while the home is uninhabitable; also personal accident S$50,000 a policy (S$10,000 a person) and emergency home assistance S$100 an event, 2 events; Excess: Allianz S$100.00, Liberty S$0.00.
What discounts are Allianz and Liberty running?
Allianz: none to show. Liberty: none to show.