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Home insurance

EQ Insurance vs Liberty home insurance

As of 28 Oct 2026 (Singapore time)

Of the 12 examples both price, EQ Insurance 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.
ExampleEQ InsuranceLiberty
HDB flat, owner, S$60,000 contentsS$163.50EQ HomeGUARD PLUS Superioras at 5 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$109.00EQ HomeGUARD PLUS Deluxeas at 5 Oct 2026S$130.80Liberty HomeCare Plan Bas at 9 Oct 2026
Landed house, owner, S$100,000 contentsS$163.50EQ HomeGUARD PLUS Superioras at 5 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$109.00EQ HomeGUARD PLUS Deluxeas at 5 Oct 2026S$130.80Liberty HomeCare Plan Bas at 9 Oct 2026
HDB flat, owner, S$100,000 contentsS$163.50EQ HomeGUARD PLUS Superioras at 5 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$109.00EQ HomeGUARD PLUS Deluxeas at 5 Oct 2026S$130.80Liberty HomeCare Plan Bas at 9 Oct 2026
HDB flat, tenant, S$60,000 contentsS$163.50EQ HomeGUARD PLUS Superioras at 5 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$163.50EQ HomeGUARD PLUS Superioras at 5 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$109.00EQ HomeGUARD PLUS Deluxeas at 5 Oct 2026S$130.80Liberty HomeCare Plan Bas at 9 Oct 2026
Condo, owner, S$60,000 contentsS$163.50EQ HomeGUARD PLUS Superioras at 5 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$163.50EQ HomeGUARD PLUS Superioras at 5 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$163.50EQ HomeGUARD PLUS Superioras at 5 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: EQ Insurance EQ HomeGUARD PLUS Superior, Liberty Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum).
CoverEQ InsuranceLiberty
RenovationsS$100,000Part 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$1,000,000, worldwide except USA and CanadaS$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 10% of the renovation (and building, if insured) sum insured, for up to 3 months: S$10,000Up 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$100.00S$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 EQ Insurance or Liberty cheaper for home insurance?

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

How does EQ Insurance's cover compare with Liberty's?

On each one's cheapest plan for HDB flat, owner, S$60,000 contents (EQ Insurance EQ HomeGUARD PLUS Superior, Liberty Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)): Renovations: EQ Insurance S$100,000, 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: EQ Insurance S$1,000,000, worldwide except USA and Canada, 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: EQ Insurance Up to 10% of the renovation (and building, if insured) sum insured, for up to 3 months: S$10,000, 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: EQ Insurance S$100.00, Liberty S$0.00.

What discounts are EQ Insurance and Liberty running?

EQ Insurance: none to show. Liberty: none to show.