Home insurance
ERGO vs India International home insurance
As of 28 Oct 2026 (Singapore time)
Of the 12 examples both price, ERGO was cheaper on 12, India International on 0. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | ERGO | India International |
|---|---|---|
| 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$258.88i-Home (your contents sum, plus fixtures and renovations S$50,000)as at 10 Oct 2026 |
| Condo, tenant, S$30,000 contents | S$81.75ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026 | S$160.78i-Home (your contents sum, plus fixtures and renovations S$50,000)as at 10 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$389.68i-Home (your contents sum, plus fixtures and renovations S$50,000)as at 10 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$160.78i-Home (your contents sum, plus fixtures and renovations S$50,000)as at 10 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$389.68i-Home (your contents sum, plus fixtures and renovations S$50,000)as at 10 Oct 2026 |
| HDB flat, tenant, S$30,000 contents | S$53.41ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026 | S$160.78i-Home (your contents sum, plus fixtures and renovations S$50,000)as at 10 Oct 2026 |
| HDB flat, tenant, S$60,000 contents | S$88.94ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026 | S$258.88i-Home (your contents sum, plus fixtures and renovations S$50,000)as at 10 Oct 2026 |
| HDB flat, tenant, S$100,000 contents | S$148.24ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026 | S$389.68i-Home (your contents sum, plus fixtures and renovations S$50,000)as at 10 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$160.78i-Home (your contents sum, plus fixtures and renovations S$50,000)as at 10 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$258.88i-Home (your contents sum, plus fixtures and renovations S$50,000)as at 10 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$389.68i-Home (your contents sum, plus fixtures and renovations S$50,000)as at 10 Oct 2026 |
| Condo, tenant, S$60,000 contents | S$163.50ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026 | S$258.88i-Home (your contents sum, plus fixtures and renovations S$50,000)as at 10 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 | India International |
|---|---|---|
| Renovations | Not 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 renovation S$50,000, all risks (the buy page takes S$30,000 to S$250,000; the minimum charge covers up to S$50,000, S$1.15 per S$1,000 above that); building cover can be added at S$0.50 per S$1,000 up to S$500,000 |
| Personal liability | S$500,000 worldwide (top-up to S$3 million) | S$1,000,000 worldwide personal and family liability, property owner's and occupier's liability |
| Alternative accommodation | Not covered (a building and renovations benefit; contents-only cover has none) | S$5,000 a month, up to S$15,000, for alternative accommodation or loss of rent |
| 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
- ERGO: none to show
- India International: none to show
More about each
See every insurer's price for your own answers, cheapest first.
Get your own quoteQuestions people ask
Is ERGO or India International cheaper for home insurance?
Of the 12 examples both price, ERGO was cheaper on 12, India International on 0. Your own answers can change the order, so get your own quote.
How does ERGO's cover compare with India International'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), India International i-Home (your contents sum, plus fixtures and renovations S$50,000)): 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), India International Fixtures, fittings and renovation S$50,000, all risks (the buy page takes S$30,000 to S$250,000; the minimum charge covers up to S$50,000, S$1.15 per S$1,000 above that); building cover can be added at S$0.50 per S$1,000 up to S$500,000; Personal liability: ERGO S$500,000 worldwide (top-up to S$3 million), India International S$1,000,000 worldwide personal and family liability, property owner's and occupier's liability; Alternative accommodation: ERGO Not covered (a building and renovations benefit; contents-only cover has none), India International S$5,000 a month, up to S$15,000, for alternative accommodation or loss of rent; Excess: ERGO S$100.00, India International S$0.00.
What discounts are ERGO and India International running?
ERGO: none to show. India International: none to show.