Shenton Brokers
Log in
← Compare other insurers

Home insurance

ERGO vs Income home insurance

As of 28 Oct 2026 (Singapore time)

Of the 12 examples both price, ERGO was cheaper on 5, Income on 7. 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.
ExampleERGOIncome
HDB flat, owner, S$60,000 contentsS$88.94ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026S$71.22Enhanced Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat; contents and S$60,000 renovations)as at 16 Oct 2026
Condo, tenant, S$30,000 contentsS$81.75ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026S$98.59Enhanced Home Insurance, condo, tenant (your contents and S$150,000 renovations)as at 16 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$430.55Enhanced Home Insurance, landed house (S$600,000 building and S$150,000 renovations included)as at 16 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$43.10Enhanced Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat; contents and S$60,000 renovations)as at 16 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$108.72Enhanced Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat; contents and S$60,000 renovations)as at 16 Oct 2026
HDB flat, tenant, S$30,000 contentsS$53.41ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026S$43.10Enhanced Home Insurance, HDB flat, tenant (your contents and S$60,000 renovations)as at 16 Oct 2026
HDB flat, tenant, S$60,000 contentsS$88.94ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026S$71.22Enhanced Home Insurance, HDB flat, tenant (your contents and S$60,000 renovations)as at 16 Oct 2026
HDB flat, tenant, S$100,000 contentsS$148.24ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026S$108.72Enhanced Home Insurance, HDB flat, tenant (your contents and S$60,000 renovations)as at 16 Oct 2026
Condo, owner, S$30,000 contentsS$81.75ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026S$257.58Enhanced Home Insurance, condo (S$390,000 building and S$150,000 renovations included)as at 16 Oct 2026
Condo, owner, S$60,000 contentsS$163.50ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026S$295.02Enhanced Home Insurance, condo (S$390,000 building and S$150,000 renovations included)as at 16 Oct 2026
Condo, owner, S$100,000 contentsS$272.50ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026S$344.94Enhanced Home Insurance, condo (S$390,000 building and S$150,000 renovations included)as at 16 Oct 2026
Condo, tenant, S$60,000 contentsS$163.50ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026S$136.03Enhanced Home Insurance, condo, tenant (your contents and S$150,000 renovations)as at 16 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), Income Enhanced Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat; contents and S$60,000 renovations).
CoverERGOIncome
RenovationsNot covered (contents only; ERGO's Custom plan can add building and renovations cover at extra cost, or take HomeSecure Smart or Enhanced)S$60,000
Personal liabilityS$500,000 worldwide (top-up to S$3 million)S$5,000,000
Alternative accommodationNot covered (a building and renovations benefit; contents-only cover has none)10% of your renovation and contents sums: S$7,500, S$9,000, S$12,000 or S$16,000 with S$15,000, S$30,000, S$60,000 or S$100,000 contents, for lost rental income and extra hotel expenses (up to S$350 a day)
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.

Get your own quote

Questions people ask

Is ERGO or Income cheaper for home insurance?

Of the 12 examples both price, ERGO was cheaper on 5, Income on 7. Your own answers can change the order, so get your own quote.

How does ERGO's cover compare with Income'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), Income Enhanced Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat; contents and S$60,000 renovations)): 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), Income S$60,000; Personal liability: ERGO S$500,000 worldwide (top-up to S$3 million), Income S$5,000,000; Alternative accommodation: ERGO Not covered (a building and renovations benefit; contents-only cover has none), Income 10% of your renovation and contents sums: S$7,500, S$9,000, S$12,000 or S$16,000 with S$15,000, S$30,000, S$60,000 or S$100,000 contents, for lost rental income and extra hotel expenses (up to S$350 a day); Excess: ERGO S$100.00, Income S$0.00.

What discounts are ERGO and Income running?

ERGO: none to show. Income: none to show.