Home insurance
ERGO vs UOI home insurance
As of 28 Oct 2026 (Singapore time)
Of the 12 examples both price, ERGO was cheaper on 4, UOI on 8. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | ERGO | UOI |
|---|---|---|
| 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$82.95UniHome Insurance, HDB flat (contents only, no renovation cover, no building cover)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$91.45UniHome Insurance, condominium or apartment (contents only, no renovation cover, no building cover)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$126.33UniHome Insurance, landed home (contents only, no renovation cover, no building cover)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$77.72UniHome Insurance, HDB flat (contents only, no renovation cover, no building cover)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$90.36UniHome Insurance, HDB flat (contents only, no renovation cover, no building cover)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$77.72UniHome Insurance, HDB flat (contents only, no renovation cover, no building cover)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$82.95UniHome Insurance, HDB flat (contents only, no renovation cover, no building cover)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$90.36UniHome Insurance, HDB flat (contents only, no renovation cover, no building cover)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$91.45UniHome Insurance, condominium or apartment (contents only, no renovation cover, no building cover)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$107.15UniHome Insurance, condominium or apartment (contents only, no renovation cover, no building cover)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$126.33UniHome Insurance, condominium or apartment (contents only, no renovation cover, no building cover)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$107.15UniHome Insurance, condominium or apartment (contents only, no renovation cover, no building cover)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 | UOI |
|---|---|---|
| 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 covered (renovation cover left unticked in UOI's app: this card insures contents only; the card beside it adds renovations) |
| Personal liability | S$500,000 worldwide (top-up to S$3 million) | S$500,000 worldwide |
| Alternative accommodation | Not covered (a building and renovations benefit; contents-only cover has none) | Up to S$500 a day, S$15,000 an event (or loss of rental income up to S$15,000) |
| 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 UOI cheaper for home insurance?
Of the 12 examples both price, ERGO was cheaper on 4, UOI on 8. Your own answers can change the order, so get your own quote.
How does ERGO's cover compare with UOI'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), UOI UniHome Insurance, HDB flat (contents only, no renovation cover, no building cover)): 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), UOI Not covered (renovation cover left unticked in UOI's app: this card insures contents only; the card beside it adds renovations); Personal liability: ERGO S$500,000 worldwide (top-up to S$3 million), UOI S$500,000 worldwide; Alternative accommodation: ERGO Not covered (a building and renovations benefit; contents-only cover has none), UOI Up to S$500 a day, S$15,000 an event (or loss of rental income up to S$15,000); Excess: ERGO S$100.00, UOI S$100.00.
What discounts are ERGO and UOI running?
ERGO: none to show. UOI: none to show.