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Home insurance

ERGO vs Great American home insurance

As of 28 Oct 2026 (Singapore time)

Of the 12 examples both price, ERGO was cheaper on 12, Great American 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.
ExampleERGOGreat American
HDB flat, owner, S$60,000 contentsS$88.94ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026S$272.50Great Home Insurance Elite (S$60,000 contents)as at 17 Oct 2026
Condo, tenant, S$30,000 contentsS$81.75ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026S$119.90Great Home Insurance Standard (S$30,000 contents)as at 17 Oct 2026
Landed house, owner, S$100,000 contentsS$272.50ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026S$381.50Great Home Insurance Ultimate (your contents sum, S$200,000 renovations)as at 17 Oct 2026
HDB flat, owner, S$30,000 contentsS$53.41ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026S$119.90Great Home Insurance Standard (S$30,000 contents)as at 17 Oct 2026
HDB flat, owner, S$100,000 contentsS$148.24ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026S$381.50Great Home Insurance Ultimate (your contents sum, S$200,000 renovations)as at 17 Oct 2026
HDB flat, tenant, S$30,000 contentsS$53.41ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026S$119.90Great Home Insurance Standard (S$30,000 contents)as at 17 Oct 2026
HDB flat, tenant, S$60,000 contentsS$88.94ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026S$272.50Great Home Insurance Elite (S$60,000 contents)as at 17 Oct 2026
HDB flat, tenant, S$100,000 contentsS$148.24ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026S$381.50Great Home Insurance Ultimate (your contents sum, S$200,000 renovations)as at 17 Oct 2026
Condo, owner, S$30,000 contentsS$81.75ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026S$119.90Great Home Insurance Standard (S$30,000 contents)as at 17 Oct 2026
Condo, owner, S$60,000 contentsS$163.50ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026S$272.50Great Home Insurance Elite (S$60,000 contents)as at 17 Oct 2026
Condo, owner, S$100,000 contentsS$272.50ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026S$381.50Great Home Insurance Ultimate (your contents sum, S$200,000 renovations)as at 17 Oct 2026
Condo, tenant, S$60,000 contentsS$163.50ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026S$272.50Great Home Insurance Elite (S$60,000 contents)as at 17 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: ERGO ERGO HomeSecure Custom (contents only, no building or renovation cover), Great American Great Home Insurance Elite (S$60,000 contents).
CoverERGOGreat American
RenovationsNot covered (contents only; ERGO's Custom plan can add building and renovations cover at extra cost, or take HomeSecure Smart or Enhanced)Fixtures, fittings and renovations S$200,000 (tick a box to include the building itself in this sum)
Personal liabilityS$500,000 worldwide (top-up to S$3 million)Up to S$500,000 worldwide; can be raised to S$1,000,000 for S$82 a year including GST
Alternative accommodationNot covered (a building and renovations benefit; contents-only cover has none)Loss of rent and the cost of temporary accommodation are covered (the brochure gives no figure)
ExcessS$100.00Not published

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 ERGO or Great American cheaper for home insurance?

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

How does ERGO's cover compare with Great American'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), Great American Great Home Insurance Elite (S$60,000 contents)): 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), Great American Fixtures, fittings and renovations S$200,000 (tick a box to include the building itself in this sum); Personal liability: ERGO S$500,000 worldwide (top-up to S$3 million), Great American Up to S$500,000 worldwide; can be raised to S$1,000,000 for S$82 a year including GST; Alternative accommodation: ERGO Not covered (a building and renovations benefit; contents-only cover has none), Great American Loss of rent and the cost of temporary accommodation are covered (the brochure gives no figure); Excess: ERGO S$100.00, Great American Not published.

What discounts are ERGO and Great American running?

ERGO: none to show. Great American: none to show.