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Home insurance

ERGO vs MSIG home insurance

As of 28 Oct 2026 (Singapore time)

Of the 12 examples both price, ERGO was cheaper on 4, MSIG on 8. 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.
ExampleERGOMSIG
HDB flat, owner, S$60,000 contentsS$88.94ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026S$99.84HomeEasy Gold (owner or landlord)as at 11 Oct 2026
Condo, tenant, S$30,000 contentsS$81.75ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026S$43.60HomeEasy Silver (tenant)as at 11 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$190.10Enhanced HomePlus Ultimateas at 11 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$58.42HomeEasy Silver (owner or landlord)as at 11 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$190.10Enhanced HomePlus Ultimateas at 11 Oct 2026
HDB flat, tenant, S$30,000 contentsS$53.41ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026S$43.60HomeEasy Silver (tenant)as at 11 Oct 2026
HDB flat, tenant, S$60,000 contentsS$88.94ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026S$70.20HomeEasy Gold (tenant)as at 11 Oct 2026
HDB flat, tenant, S$100,000 contentsS$148.24ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026S$190.10Enhanced HomePlus Ultimateas at 11 Oct 2026
Condo, owner, S$30,000 contentsS$81.75ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026S$58.42HomeEasy Silver (owner or landlord)as at 11 Oct 2026
Condo, owner, S$60,000 contentsS$163.50ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026S$99.84HomeEasy Gold (owner or landlord)as at 11 Oct 2026
Condo, owner, S$100,000 contentsS$272.50ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026S$190.10Enhanced HomePlus Ultimateas at 11 Oct 2026
Condo, tenant, S$60,000 contentsS$163.50ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026S$70.20HomeEasy Gold (tenant)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

Each insurer's cheapest plan for HDB flat, owner, S$60,000 contents: ERGO ERGO HomeSecure Custom (contents only, no building or renovation cover), MSIG HomeEasy Gold (owner or landlord).
CoverERGOMSIG
RenovationsNot covered (contents only; ERGO's Custom plan can add building and renovations cover at extra cost, or take HomeSecure Smart or Enhanced)S$120,000
Personal liabilityS$500,000 worldwide (top-up to S$3 million)S$1,000,000 worldwide; property owner's or tenant's liability S$500,000 (S$1,000,000 in the aggregate)
Alternative accommodationNot covered (a building and renovations benefit; contents-only cover has none)Alternative accommodation or loss of rent up to 10% of the Section 1 sum insured (S$20,000)
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.

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Questions people ask

Is ERGO or MSIG cheaper for home insurance?

Of the 12 examples both price, ERGO was cheaper on 4, MSIG on 8. Your own answers can change the order, so get your own quote.

How does ERGO's cover compare with MSIG'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), MSIG HomeEasy Gold (owner or landlord)): 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), MSIG S$120,000; Personal liability: ERGO S$500,000 worldwide (top-up to S$3 million), MSIG S$1,000,000 worldwide; property owner's or tenant's liability S$500,000 (S$1,000,000 in the aggregate); Alternative accommodation: ERGO Not covered (a building and renovations benefit; contents-only cover has none), MSIG Alternative accommodation or loss of rent up to 10% of the Section 1 sum insured (S$20,000); Excess: ERGO S$100.00, MSIG S$0.00.

What discounts are ERGO and MSIG running?

ERGO: none to show. MSIG: 20% off.