Home insurance
Singlife vs Liberty home insurance
As of 28 Oct 2026 (Singapore time)
Of the 12 examples both price, Singlife was cheaper on 8, Liberty on 4. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | Singlife | Liberty |
|---|---|---|
| HDB flat, owner, S$60,000 contents | S$243.89Home Plus (S$100,000 contents)as at 5 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$81.21Home Lite (S$35,000 contents)as at 5 Oct 2026 | S$130.80Liberty HomeCare Plan Bas at 9 Oct 2026 |
| Landed house, owner, S$100,000 contents | S$243.89Home Plus (S$100,000 contents)as at 5 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$81.21Home Lite (S$35,000 contents)as at 5 Oct 2026 | S$130.80Liberty HomeCare Plan Bas at 9 Oct 2026 |
| HDB flat, owner, S$100,000 contents | S$243.89Home Plus (S$100,000 contents)as at 5 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$81.21Home Lite (S$35,000 contents)as at 5 Oct 2026 | S$130.80Liberty HomeCare Plan Bas at 9 Oct 2026 |
| HDB flat, tenant, S$60,000 contents | S$243.89Home Plus (S$100,000 contents)as at 5 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$243.89Home Plus (S$100,000 contents)as at 5 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$81.21Home Lite (S$35,000 contents)as at 5 Oct 2026 | S$130.80Liberty HomeCare Plan Bas at 9 Oct 2026 |
| Condo, owner, S$60,000 contents | S$243.89Home Plus (S$100,000 contents)as at 5 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$243.89Home Plus (S$100,000 contents)as at 5 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$243.89Home Plus (S$100,000 contents)as at 5 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 | Singlife | Liberty |
|---|---|---|
| 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) | 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$500,000 family worldwide liability; tenant's liability S$50,000 | 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$12,000 alternative accommodation or loss of rent (up to S$1,000 a week) | 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$0.00 | 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 Singlife or Liberty cheaper for home insurance?
Of the 12 examples both price, Singlife was cheaper on 8, Liberty on 4. Your own answers can change the order, so get your own quote.
How does Singlife's cover compare with Liberty's?
On each one's cheapest plan for HDB flat, owner, S$60,000 contents (Singlife Home Plus (S$100,000 contents), Liberty Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)): 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), 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: Singlife S$500,000 family worldwide liability; tenant's liability S$50,000, 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: Singlife S$12,000 alternative accommodation or loss of rent (up to S$1,000 a week), 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: Singlife S$0.00, Liberty S$0.00.
What discounts are Singlife and Liberty running?
Singlife: none to show. Liberty: none to show.