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Home insurance

ERGO vs QBE home insurance

As of 28 Oct 2026 (Singapore time)

Of the 12 examples both price, ERGO was cheaper on 6, QBE on 4, and they tied on 2. 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.
ExampleERGOQBE
HDB flat, owner, S$60,000 contentsS$88.94ERGO HomeSecure Custom (contents only, no building or renovation cover)as at 20 Oct 2026S$109.00Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000)as at 11 Oct 2026
Condo, tenant, S$30,000 contentsS$81.75ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026S$163.50Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000)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$261.60Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000)as 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$109.00Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000)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$109.00Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000)as at 11 Oct 2026
HDB flat, tenant, S$30,000 contentsS$53.41ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026S$109.00Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000)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$109.00Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000)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$109.00Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000)as 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$163.50Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000)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$163.50Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000)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$163.50Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000)as at 11 Oct 2026
Condo, tenant, S$60,000 contentsS$163.50ERGO HomeSecure Custom (contents only, for tenants)as at 20 Oct 2026S$163.50Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000)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), QBE Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000).
CoverERGOQBE
RenovationsNot covered (contents only; ERGO's Custom plan can add building and renovations cover at extra cost, or take HomeSecure Smart or Enhanced)S$100,000 for the building including fixtures, fittings and renovations (owner, tenant or landlord), with options to increase through a QBE agent or broker
Personal liabilityS$500,000 worldwide (top-up to S$3 million)Up to S$5,000,000 in any one period, for occupation or ownership of the home and personal liability worldwide
Alternative accommodationNot covered (a building and renovations benefit; contents-only cover has none)Up to 25% of the sum insured, not exceeding 6 months (owner or tenant); landlords get loss of rent on the same basis instead
ExcessS$100.00S$100.00

Dearer plans from either insurer can cover more. Read the policy wording before you buy.

Discounts running today

  • ERGO: none to show
  • QBE: none to show

More about each

See every insurer's price for your own answers, cheapest first.

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Questions people ask

Is ERGO or QBE cheaper for home insurance?

Of the 12 examples both price, ERGO was cheaper on 6, QBE on 4, and they tied on 2. Your own answers can change the order, so get your own quote.

How does ERGO's cover compare with QBE'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), QBE Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000)): 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), QBE S$100,000 for the building including fixtures, fittings and renovations (owner, tenant or landlord), with options to increase through a QBE agent or broker; Personal liability: ERGO S$500,000 worldwide (top-up to S$3 million), QBE Up to S$5,000,000 in any one period, for occupation or ownership of the home and personal liability worldwide; Alternative accommodation: ERGO Not covered (a building and renovations benefit; contents-only cover has none), QBE Up to 25% of the sum insured, not exceeding 6 months (owner or tenant); landlords get loss of rent on the same basis instead; Excess: ERGO S$100.00, QBE S$100.00.

What discounts are ERGO and QBE running?

ERGO: none to show. QBE: none to show.