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Home insurance

ECICS vs Liberty home insurance

As of 28 Oct 2026 (Singapore time)

Of the 12 examples both price, ECICS was cheaper on 12, Liberty on 0. Your own answers can change the order, so get your own quote.

Lowest price on each example

Each insurer's cheapest plan for the example, with any discount it is running taken off.
ExampleECICSLiberty
HDB flat, owner, S$60,000 contentsS$118.81Home Contents Insurance for owners (1-year; S$30,000 renovations; 4-room or larger unit)as at 9 Oct 2026S$222.36Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)as at 9 Oct 2026
Condo, tenant, S$30,000 contentsS$106.82Home Contents Insurance for tenants (1-year; contents and liability, no renovations)as at 9 Oct 2026S$130.80Liberty HomeCare Plan Bas at 9 Oct 2026
Landed house, owner, S$100,000 contentsS$168.95Home Contents Insurance for owners (1-year; S$30,000 renovations; 4-room or larger unit)as at 9 Oct 2026S$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 contentsS$99.19Home Contents Insurance for owners (1-year; S$30,000 renovations; 4-room or larger unit)as at 9 Oct 2026S$130.80Liberty HomeCare Plan Bas at 9 Oct 2026
HDB flat, owner, S$100,000 contentsS$156.96Home Contents Insurance for owners (1-year; S$30,000 renovations; 4-room or larger unit)as at 9 Oct 2026S$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 contentsS$99.19Home Contents Insurance for tenants (1-year; contents and liability, no renovations)as at 9 Oct 2026S$130.80Liberty HomeCare Plan Bas at 9 Oct 2026
HDB flat, tenant, S$60,000 contentsS$119.90Home Contents Insurance for tenants (1-year; contents and liability, no renovations)as at 9 Oct 2026S$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 contentsS$162.41Home Contents Insurance for tenants (1-year; contents and liability, no renovations)as at 9 Oct 2026S$327.00Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)as at 9 Oct 2026
Condo, owner, S$30,000 contentsS$105.73Home Contents Insurance for owners (1-year; S$30,000 renovations; 4-room or larger unit)as at 9 Oct 2026S$130.80Liberty HomeCare Plan Bas at 9 Oct 2026
Condo, owner, S$60,000 contentsS$125.35Home Contents Insurance for owners (1-year; S$30,000 renovations; 4-room or larger unit)as at 9 Oct 2026S$222.36Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)as at 9 Oct 2026
Condo, owner, S$100,000 contentsS$163.50Home Contents Insurance for owners (1-year; S$30,000 renovations; 4-room or larger unit)as at 9 Oct 2026S$327.00Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)as at 9 Oct 2026
Condo, tenant, S$60,000 contentsS$126.44Home Contents Insurance for tenants (1-year; contents and liability, no renovations)as at 9 Oct 2026S$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

Each insurer'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), Liberty Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum).
CoverECICSLiberty
RenovationsS$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 sumPart 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 liabilityS$500,000 a year for family personal liability (worldwide except the USA and Canada) and tenant's liability togetherS$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 accommodationUp to S$300 a day, S$36,000 a year, including storage (not for a landlord who did not live in the home)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
ExcessS$0.00S$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.

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Questions people ask

Is ECICS or Liberty cheaper for home insurance?

Of the 12 examples both price, ECICS was cheaper on 12, Liberty on 0. Your own answers can change the order, so get your own quote.

How does ECICS's cover compare with Liberty'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), Liberty Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)): 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, 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: ECICS S$500,000 a year for family personal liability (worldwide except the USA and Canada) and tenant's liability together, 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: 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), 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: ECICS S$0.00, Liberty S$0.00.

What discounts are ECICS and Liberty running?

ECICS: none to show. Liberty: none to show.