Home insurance
ERGO vs FWD home insurance
As of 28 Oct 2026 (Singapore time)
Of the 12 examples both price, ERGO was cheaper on 4, FWD on 8. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | ERGO | FWD |
|---|---|---|
| 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$98.78FWD Home Insurance, HDB flat (renovations S$20,000 and the S$82,000 building included; 3/4-room pricing)as at 15 Oct 2026 |
| Condo, tenant, S$30,000 contents | S$81.75ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026 | S$77.92FWD Home Insurance, condo, tenant (your contents only)as at 15 Oct 2026 |
| 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$229.45FWD Home Insurance, landed house (renovations S$80,000 included; building cover not included)as at 15 Oct 2026 |
| 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$84.99FWD Home Insurance, HDB flat (renovations S$20,000 and the S$82,000 building included; 3/4-room pricing)as at 15 Oct 2026 |
| 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$130.75FWD Home Insurance, HDB flat (renovations S$20,000 and the S$82,000 building included; 3/4-room pricing)as at 15 Oct 2026 |
| HDB flat, tenant, S$30,000 contents | S$53.41ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026 | S$70.31FWD Home Insurance, HDB flat, tenant (your contents only)as at 15 Oct 2026 |
| HDB flat, tenant, S$60,000 contents | S$88.94ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026 | S$84.09FWD Home Insurance, HDB flat, tenant (your contents only)as at 15 Oct 2026 |
| HDB flat, tenant, S$100,000 contents | S$148.24ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026 | S$116.06FWD Home Insurance, HDB flat, tenant (your contents only)as at 15 Oct 2026 |
| Condo, owner, S$30,000 contents | S$81.75ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026 | S$109.97FWD Home Insurance, condo (renovations S$80,000 included; 2/3-bedroom pricing)as at 15 Oct 2026 |
| Condo, owner, S$60,000 contents | S$163.50ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026 | S$130.19FWD Home Insurance, condo (renovations S$80,000 included; 2/3-bedroom pricing)as at 15 Oct 2026 |
| Condo, owner, S$100,000 contents | S$272.50ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026 | S$169.18FWD Home Insurance, condo (renovations S$80,000 included; 2/3-bedroom pricing)as at 15 Oct 2026 |
| Condo, tenant, S$60,000 contents | S$163.50ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026 | S$98.14FWD Home Insurance, condo, tenant (your contents only)as at 15 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 | ERGO | FWD |
|---|---|---|
| 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$20,000 (the funnel’s default; more can be chosen on FWD’s site, up to S$100,000) |
| Personal liability | S$500,000 worldwide (top-up to S$3 million) | Up to S$500,000 worldwide |
| Alternative accommodation | Not covered (a building and renovations benefit; contents-only cover has none) | Temporary accommodation and storage up to S$300 a day: S$15,000 (contents sum up to S$40,000) or S$35,000 (above S$40,000) |
| 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 FWD cheaper for home insurance?
Of the 12 examples both price, ERGO was cheaper on 4, FWD on 8. Your own answers can change the order, so get your own quote.
How does ERGO's cover compare with FWD'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), FWD FWD Home Insurance, HDB flat (renovations S$20,000 and the S$82,000 building included; 3/4-room pricing)): 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), FWD S$20,000 (the funnel’s default; more can be chosen on FWD’s site, up to S$100,000); Personal liability: ERGO S$500,000 worldwide (top-up to S$3 million), FWD Up to S$500,000 worldwide; Alternative accommodation: ERGO Not covered (a building and renovations benefit; contents-only cover has none), FWD Temporary accommodation and storage up to S$300 a day: S$15,000 (contents sum up to S$40,000) or S$35,000 (above S$40,000); Excess: ERGO S$100.00, FWD S$0.00.
What discounts are ERGO and FWD running?
ERGO: none to show. FWD: none to show.