Home insurance
ECICS vs ERGO home insurance
As of 28 Oct 2026 (Singapore time)
Of the 12 examples both price, ECICS 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 | ECICS | ERGO |
|---|---|---|
| HDB flat, owner, S$60,000 contents | S$118.81Home Contents Insurance for owners (1-year; S$30,000 renovations; 4-room or larger unit)as at 9 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$106.82Home Contents Insurance for tenants (1-year; contents and liability, no renovations)as at 9 Oct 2026 | S$81.75ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026 |
| Landed house, owner, S$100,000 contents | S$168.95Home Contents Insurance for owners (1-year; S$30,000 renovations; 4-room or larger unit)as at 9 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$99.19Home Contents Insurance for owners (1-year; S$30,000 renovations; 4-room or larger unit)as at 9 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$156.96Home Contents Insurance for owners (1-year; S$30,000 renovations; 4-room or larger unit)as at 9 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$99.19Home Contents Insurance for tenants (1-year; contents and liability, no renovations)as at 9 Oct 2026 | S$53.41ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026 |
| HDB flat, tenant, S$60,000 contents | S$119.90Home Contents Insurance for tenants (1-year; contents and liability, no renovations)as at 9 Oct 2026 | S$88.94ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026 |
| HDB flat, tenant, S$100,000 contents | S$162.41Home Contents Insurance for tenants (1-year; contents and liability, no renovations)as at 9 Oct 2026 | S$148.24ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026 |
| Condo, owner, S$30,000 contents | S$105.73Home Contents Insurance for owners (1-year; S$30,000 renovations; 4-room or larger unit)as at 9 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$125.35Home Contents Insurance for owners (1-year; S$30,000 renovations; 4-room or larger unit)as at 9 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$163.50Home Contents Insurance for owners (1-year; S$30,000 renovations; 4-room or larger unit)as at 9 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$126.44Home Contents Insurance for tenants (1-year; contents and liability, no renovations)as at 9 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 | ECICS | ERGO |
|---|---|---|
| Renovations | S$30,000 renovations sum insured (the online quote's minimum; raise it at checkout, up to S$200,000); plus debris removal and professional fees, each 10% of the renovation sum | 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 a year for family personal liability (worldwide except the USA and Canada) and tenant's liability together | S$500,000 worldwide (top-up to S$3 million) |
| Alternative accommodation | Up to S$300 a day, S$36,000 a year, including storage (not for a landlord who did not live in the home) | 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 ECICS or ERGO cheaper for home insurance?
Of the 12 examples both price, ECICS was cheaper on 4, ERGO on 8. Your own answers can change the order, so get your own quote.
How does ECICS's cover compare with ERGO's?
On each one's cheapest plan for HDB flat, owner, S$60,000 contents (ECICS Home Contents Insurance for owners (1-year; S$30,000 renovations; 4-room or larger unit), ERGO ERGO HomeSecure Custom (contents only, no building or renovation cover)): Renovations: ECICS S$30,000 renovations sum insured (the online quote's minimum; raise it at checkout, up to S$200,000); plus debris removal and professional fees, each 10% of the renovation sum, 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: ECICS S$500,000 a year for family personal liability (worldwide except the USA and Canada) and tenant's liability together, ERGO S$500,000 worldwide (top-up to S$3 million); Alternative accommodation: ECICS Up to S$300 a day, S$36,000 a year, including storage (not for a landlord who did not live in the home), ERGO Not covered (a building and renovations benefit; contents-only cover has none); Excess: ECICS S$0.00, ERGO S$100.00.
What discounts are ECICS and ERGO running?
ECICS: none to show. ERGO: none to show.