Home insurance
ERGO vs Etiqa home insurance
As of 28 Oct 2026 (Singapore time)
Of the 12 examples both price, ERGO was cheaper on 4, Etiqa on 8. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | ERGO | Etiqa |
|---|---|---|
| HDB flat, owner, S$60,000 contents | S$88.94ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026 | S$79.91Tiq Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat)as at 19 Oct 2026code TIQHOME25PLUS |
| Condo, tenant, S$30,000 contents | S$81.75ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026 | S$57.70Tiq Home Insurance (condominium, tenant)as at 19 Oct 2026code TIQHOME25PLUS |
| Landed house, owner, S$100,000 contents | S$272.50ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026 | S$289.42Tiq Home Insurance (landed, owner)as at 19 Oct 2026code TIQHOME25PLUS |
| HDB flat, owner, S$30,000 contents | S$53.41ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026 | S$70.13Tiq Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat)as at 19 Oct 2026code TIQHOME25PLUS |
| HDB flat, owner, S$100,000 contents | S$148.24ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026 | S$109.25Tiq Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat)as at 19 Oct 2026code TIQHOME25PLUS |
| HDB flat, tenant, S$30,000 contents | S$53.41ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026 | S$54.28Tiq Home Insurance (HDB, tenant)as at 19 Oct 2026code TIQHOME25PLUS |
| HDB flat, tenant, S$60,000 contents | S$88.94ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026 | S$64.06Tiq Home Insurance (HDB, tenant)as at 19 Oct 2026code TIQHOME25PLUS |
| HDB flat, tenant, S$100,000 contents | S$148.24ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026 | S$93.40Tiq Home Insurance (HDB, tenant)as at 19 Oct 2026code TIQHOME25PLUS |
| Condo, owner, S$30,000 contents | S$81.75ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026 | S$103.35Tiq Home Insurance (condominium, owner)as at 19 Oct 2026code TIQHOME25PLUS |
| Condo, owner, S$60,000 contents | S$163.50ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026 | S$128.96Tiq Home Insurance (condominium, owner)as at 19 Oct 2026code TIQHOME25PLUS |
| Condo, owner, S$100,000 contents | S$272.50ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026 | S$154.56Tiq Home Insurance (condominium, owner)as at 19 Oct 2026code TIQHOME25PLUS |
| Condo, tenant, S$60,000 contents | S$163.50ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026 | S$88.43Tiq Home Insurance (condominium, tenant)as at 19 Oct 2026code TIQHOME25PLUS |
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 | ERGO | Etiqa |
|---|---|---|
| Renovations | Not covered (contents only; ERGO's Custom plan can add building and renovations cover at extra cost, or take HomeSecure Smart or Enhanced) | S$80,000 (Tiq’s first option for a 4-room flat, in the price shown; ticking “insured under HDB Fire Insurance” keeps it, and it cannot then be unticked) |
| Personal liability | S$500,000 worldwide (top-up to S$3 million) | S$500,000 worldwide (except the USA and Canada) |
| Alternative accommodation | Not covered (a building and renovations benefit; contents-only cover has none) | Emergency cash allowance S$5,000 if the home is 100% uninhabitable, S$2,500 if at least 50% |
| Excess | S$100.00 | 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 ERGO or Etiqa cheaper for home insurance?
Of the 12 examples both price, ERGO was cheaper on 4, Etiqa on 8. Your own answers can change the order, so get your own quote.
How does ERGO's cover compare with Etiqa's?
On each one's cheapest plan for HDB flat, owner, S$60,000 contents (ERGO ERGO HomeSecure Custom (contents only, no building or renovation cover), Etiqa Tiq Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat)): Renovations: ERGO Not covered (contents only; ERGO's Custom plan can add building and renovations cover at extra cost, or take HomeSecure Smart or Enhanced), Etiqa S$80,000 (Tiq’s first option for a 4-room flat, in the price shown; ticking “insured under HDB Fire Insurance” keeps it, and it cannot then be unticked); Personal liability: ERGO S$500,000 worldwide (top-up to S$3 million), Etiqa S$500,000 worldwide (except the USA and Canada); Alternative accommodation: ERGO Not covered (a building and renovations benefit; contents-only cover has none), Etiqa Emergency cash allowance S$5,000 if the home is 100% uninhabitable, S$2,500 if at least 50%; Excess: ERGO S$100.00, Etiqa S$0.00.
What discounts are ERGO and Etiqa running?
ERGO: none to show. Etiqa: Promo code TIQHOME25PLUS: 25% off.