Home insurance
ERGO vs Lonpac home insurance
As of 28 Oct 2026 (Singapore time)
Of the 12 examples both price, ERGO was cheaper on 12, Lonpac on 0. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | ERGO | Lonpac |
|---|---|---|
| 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$228.90Home Protection, contents cover (owner occupied; free S$1m family liability and family PA)as at 11 Oct 2026 |
| Condo, tenant, S$30,000 contents | S$81.75ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026 | S$114.45Home Protection, contents cover (tenant occupied)as at 11 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$381.50Home Protection, contents cover (owner occupied; free S$1m family liability and family PA)as at 11 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$114.45Home Protection, contents cover (owner occupied; free S$1m family liability and family PA)as at 11 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$381.50Home Protection, contents cover (owner occupied; free S$1m family liability and family PA)as at 11 Oct 2026 |
| HDB flat, tenant, S$30,000 contents | S$53.41ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026 | S$114.45Home Protection, contents cover (tenant occupied)as at 11 Oct 2026 |
| HDB flat, tenant, S$60,000 contents | S$88.94ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026 | S$228.90Home Protection, contents cover (tenant occupied)as at 11 Oct 2026 |
| HDB flat, tenant, S$100,000 contents | S$148.24ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026 | S$381.50Home Protection, contents cover (tenant occupied)as at 11 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$114.45Home Protection, contents cover (owner occupied; free S$1m family liability and family PA)as at 11 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$228.90Home Protection, contents cover (owner occupied; free S$1m family liability and family PA)as at 11 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$381.50Home Protection, contents cover (owner occupied; free S$1m family liability and family PA)as at 11 Oct 2026 |
| Condo, tenant, S$60,000 contents | S$163.50ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026 | S$228.90Home Protection, contents cover (tenant occupied)as at 11 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 | Lonpac |
|---|---|---|
| Renovations | Not covered (contents only; ERGO's Custom plan can add building and renovations cover at extra cost, or take HomeSecure Smart or Enhanced) | Not stated as a separate section; the building itself (including fixtures) can be added at 0.05% of the sum you choose, S$50 a year per S$100,000, not priced in here; S$100 excess |
| Personal liability | S$500,000 worldwide (top-up to S$3 million) | S$1,000,000 personal and family liability, worldwide, free with the contents cover |
| Alternative accommodation | Not covered (a building and renovations benefit; contents-only cover has none) | Alternative accommodation and/or loss of rent covered (product page); limit not stated |
| Excess | S$100.00 | S$100.00 |
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 Lonpac cheaper for home insurance?
Of the 12 examples both price, ERGO was cheaper on 12, Lonpac on 0. Your own answers can change the order, so get your own quote.
How does ERGO's cover compare with Lonpac'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), Lonpac Home Protection, contents cover (owner occupied; free S$1m family liability and family PA)): 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), Lonpac Not stated as a separate section; the building itself (including fixtures) can be added at 0.05% of the sum you choose, S$50 a year per S$100,000, not priced in here; S$100 excess; Personal liability: ERGO S$500,000 worldwide (top-up to S$3 million), Lonpac S$1,000,000 personal and family liability, worldwide, free with the contents cover; Alternative accommodation: ERGO Not covered (a building and renovations benefit; contents-only cover has none), Lonpac Alternative accommodation and/or loss of rent covered (product page); limit not stated; Excess: ERGO S$100.00, Lonpac S$100.00.
What discounts are ERGO and Lonpac running?
ERGO: none to show. Lonpac: none to show.