Home insurance
Allianz vs Sompo home insurance
As of 28 Oct 2026 (Singapore time)
Of the 12 examples both price, Allianz was cheaper on 0, Sompo on 12. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | Allianz | Sompo |
|---|---|---|
| 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$67.85HomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000)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$54.50HomeVital for condo tenants (your contents sum)as 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$120.99HomeVital for landed owners (your contents sum, plus renovations S$80,000)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$54.50HomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000)as 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$100.55HomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000)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$54.50HomeVital for HDB tenants (your contents sum)as 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$54.50HomeVital for HDB tenants (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$81.75HomeVital for HDB tenants (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$54.50HomeVital for condo owners (your contents sum, plus renovations S$60,000)as 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$73.58HomeVital for condo owners (your contents sum, plus renovations S$60,000)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$112.82HomeVital for condo owners (your contents sum, plus renovations S$60,000)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$58.86HomeVital for condo tenants (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 | Sompo |
|---|---|---|
| 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$40,000 (the minimum for this property; priced in); building S$100,000 (compulsory for HDB owners; priced in); HDB prices are for a 4-room flat: at S$60,000 contents a studio to 3-room costs S$1.63 less, a 5-room S$1.64 more, an executive, HUDC or multi-generation flat S$5.73 more and a jumbo flat S$15.54 more |
| Personal liability | S$2,000,000 an event, worldwide (you and your family members) | S$500,000 worldwide family personal liability |
| 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 S$50,000 (loss of rental income or additional cost of alternative accommodation) |
| 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 Sompo cheaper for home insurance?
Of the 12 examples both price, Allianz was cheaper on 0, Sompo on 12. Your own answers can change the order, so get your own quote.
How does Allianz's cover compare with Sompo'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), Sompo HomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000)): 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, Sompo S$40,000 (the minimum for this property; priced in); building S$100,000 (compulsory for HDB owners; priced in); HDB prices are for a 4-room flat: at S$60,000 contents a studio to 3-room costs S$1.63 less, a 5-room S$1.64 more, an executive, HUDC or multi-generation flat S$5.73 more and a jumbo flat S$15.54 more; Personal liability: Allianz S$2,000,000 an event, worldwide (you and your family members), Sompo S$500,000 worldwide family personal liability; 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, Sompo Up to S$50,000 (loss of rental income or additional cost of alternative accommodation); Excess: Allianz S$100.00, Sompo S$0.00.
What discounts are Allianz and Sompo running?
Allianz: none to show. Sompo: 25% off.