Home insurance
Singlife vs ERGO home insurance
As of 28 Oct 2026 (Singapore time)
Of the 12 examples both price, Singlife was cheaper on 4, ERGO on 8. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | Singlife | ERGO |
|---|---|---|
| HDB flat, owner, S$60,000 contents | S$243.89Home Plus (S$100,000 contents)as at 5 Oct 2026 | S$88.94ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026 |
| Condo, tenant, S$30,000 contents | S$81.21Home Lite (S$35,000 contents)as at 5 Oct 2026 | S$81.75ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026 |
| Landed house, owner, S$100,000 contents | S$243.89Home Plus (S$100,000 contents)as at 5 Oct 2026 | S$272.50ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026 |
| HDB flat, owner, S$30,000 contents | S$81.21Home Lite (S$35,000 contents)as at 5 Oct 2026 | S$53.41ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026 |
| HDB flat, owner, S$100,000 contents | S$243.89Home Plus (S$100,000 contents)as at 5 Oct 2026 | S$148.24ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026 |
| HDB flat, tenant, S$30,000 contents | S$81.21Home Lite (S$35,000 contents)as at 5 Oct 2026 | S$53.41ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026 |
| HDB flat, tenant, S$60,000 contents | S$243.89Home Plus (S$100,000 contents)as at 5 Oct 2026 | S$88.94ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026 |
| HDB flat, tenant, S$100,000 contents | S$243.89Home Plus (S$100,000 contents)as at 5 Oct 2026 | S$148.24ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026 |
| Condo, owner, S$30,000 contents | S$81.21Home Lite (S$35,000 contents)as at 5 Oct 2026 | S$81.75ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026 |
| Condo, owner, S$60,000 contents | S$243.89Home Plus (S$100,000 contents)as at 5 Oct 2026 | S$163.50ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026 |
| Condo, owner, S$100,000 contents | S$243.89Home Plus (S$100,000 contents)as at 5 Oct 2026 | S$272.50ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026 |
| Condo, tenant, S$60,000 contents | S$243.89Home Plus (S$100,000 contents)as at 5 Oct 2026 | S$163.50ERGO HomeSecure Custom (contents only, for tenants)as at 20 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 | Singlife | ERGO |
|---|---|---|
| Renovations | S$100,000 renovations; emergency cash allowance S$1,000; medical expenses S$3,000; household removal S$10,000; covers renovations you legally own (a tenant's own fit-out counts; the landlord's renovations come under tenant's liability, not this section) | Not covered (contents only; ERGO's Custom plan can add building and renovations cover at extra cost, or take HomeSecure Smart or Enhanced) |
| Personal liability | S$500,000 family worldwide liability; tenant's liability S$50,000 | S$500,000 worldwide (top-up to S$3 million) |
| Alternative accommodation | S$12,000 alternative accommodation or loss of rent (up to S$1,000 a week) | Not covered (a building and renovations benefit; contents-only cover has none) |
| Excess | S$0.00 | S$100.00 |
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 Singlife or ERGO cheaper for home insurance?
Of the 12 examples both price, Singlife was cheaper on 4, ERGO on 8. Your own answers can change the order, so get your own quote.
How does Singlife's cover compare with ERGO's?
On each one's cheapest plan for HDB flat, owner, S$60,000 contents (Singlife Home Plus (S$100,000 contents), ERGO ERGO HomeSecure Custom (contents only, no building or renovation cover)): Renovations: Singlife S$100,000 renovations; emergency cash allowance S$1,000; medical expenses S$3,000; household removal S$10,000; covers renovations you legally own (a tenant's own fit-out counts; the landlord's renovations come under tenant's liability, not this section), ERGO Not covered (contents only; ERGO's Custom plan can add building and renovations cover at extra cost, or take HomeSecure Smart or Enhanced); Personal liability: Singlife S$500,000 family worldwide liability; tenant's liability S$50,000, ERGO S$500,000 worldwide (top-up to S$3 million); Alternative accommodation: Singlife S$12,000 alternative accommodation or loss of rent (up to S$1,000 a week), ERGO Not covered (a building and renovations benefit; contents-only cover has none); Excess: Singlife S$0.00, ERGO S$100.00.
What discounts are Singlife and ERGO running?
Singlife: none to show. ERGO: none to show.