Home insurance
EQ Insurance vs ERGO home insurance
As of 28 Oct 2026 (Singapore time)
Of the 12 examples both price, EQ Insurance was cheaper on 2, ERGO on 8, and they tied on 2. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | EQ Insurance | ERGO |
|---|---|---|
| HDB flat, owner, S$60,000 contents | S$163.50EQ HomeGUARD PLUS Superioras 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$109.00EQ HomeGUARD PLUS Deluxeas 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$163.50EQ HomeGUARD PLUS Superioras 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$109.00EQ HomeGUARD PLUS Deluxeas 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$163.50EQ HomeGUARD PLUS Superioras 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$109.00EQ HomeGUARD PLUS Deluxeas 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$163.50EQ HomeGUARD PLUS Superioras 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$163.50EQ HomeGUARD PLUS Superioras 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$109.00EQ HomeGUARD PLUS Deluxeas 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$163.50EQ HomeGUARD PLUS Superioras 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$163.50EQ HomeGUARD PLUS Superioras 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$163.50EQ HomeGUARD PLUS Superioras 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 | EQ Insurance | ERGO |
|---|---|---|
| Renovations | S$100,000 | 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$1,000,000, worldwide except USA and Canada | S$500,000 worldwide (top-up to S$3 million) |
| Alternative accommodation | Up to 10% of the renovation (and building, if insured) sum insured, for up to 3 months: S$10,000 | Not covered (a building and renovations benefit; contents-only cover has none) |
| Excess | S$100.00 | S$100.00 |
Dearer plans from either insurer can cover more. Read the policy wording before you buy.
Discounts running today
- EQ Insurance: none to show
- ERGO: none to show
More about each
See every insurer's price for your own answers, cheapest first.
Get your own quoteQuestions people ask
Is EQ Insurance or ERGO cheaper for home insurance?
Of the 12 examples both price, EQ Insurance was cheaper on 2, ERGO on 8, and they tied on 2. Your own answers can change the order, so get your own quote.
How does EQ Insurance's cover compare with ERGO's?
On each one's cheapest plan for HDB flat, owner, S$60,000 contents (EQ Insurance EQ HomeGUARD PLUS Superior, ERGO ERGO HomeSecure Custom (contents only, no building or renovation cover)): Renovations: EQ Insurance S$100,000, 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: EQ Insurance S$1,000,000, worldwide except USA and Canada, ERGO S$500,000 worldwide (top-up to S$3 million); Alternative accommodation: EQ Insurance Up to 10% of the renovation (and building, if insured) sum insured, for up to 3 months: S$10,000, ERGO Not covered (a building and renovations benefit; contents-only cover has none); Excess: EQ Insurance S$100.00, ERGO S$100.00.
What discounts are EQ Insurance and ERGO running?
EQ Insurance: none to show. ERGO: none to show.