Home insurance
Etiqa vs Liberty home insurance
As of 28 Oct 2026 (Singapore time)
Of the 12 examples both price, Etiqa was cheaper on 12, Liberty on 0. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | Etiqa | Liberty |
|---|---|---|
| HDB flat, owner, S$60,000 contents | S$79.91Tiq Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat)as at 19 Oct 2026code TIQHOME25PLUS | S$222.36Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)as at 9 Oct 2026 |
| Condo, tenant, S$30,000 contents | S$57.70Tiq Home Insurance (condominium, tenant)as at 19 Oct 2026code TIQHOME25PLUS | S$130.80Liberty HomeCare Plan Bas at 9 Oct 2026 |
| Landed house, owner, S$100,000 contents | S$289.42Tiq Home Insurance (landed, owner)as at 19 Oct 2026code TIQHOME25PLUS | S$327.00Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)as at 9 Oct 2026 |
| HDB flat, owner, S$30,000 contents | S$70.13Tiq Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat)as at 19 Oct 2026code TIQHOME25PLUS | S$130.80Liberty HomeCare Plan Bas at 9 Oct 2026 |
| HDB flat, owner, S$100,000 contents | S$109.25Tiq Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat)as at 19 Oct 2026code TIQHOME25PLUS | S$327.00Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)as at 9 Oct 2026 |
| HDB flat, tenant, S$30,000 contents | S$54.28Tiq Home Insurance (HDB, tenant)as at 19 Oct 2026code TIQHOME25PLUS | S$130.80Liberty HomeCare Plan Bas at 9 Oct 2026 |
| HDB flat, tenant, S$60,000 contents | S$64.06Tiq Home Insurance (HDB, tenant)as at 19 Oct 2026code TIQHOME25PLUS | S$222.36Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)as at 9 Oct 2026 |
| HDB flat, tenant, S$100,000 contents | S$93.40Tiq Home Insurance (HDB, tenant)as at 19 Oct 2026code TIQHOME25PLUS | S$327.00Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)as at 9 Oct 2026 |
| Condo, owner, S$30,000 contents | S$103.35Tiq Home Insurance (condominium, owner)as at 19 Oct 2026code TIQHOME25PLUS | S$130.80Liberty HomeCare Plan Bas at 9 Oct 2026 |
| Condo, owner, S$60,000 contents | S$128.96Tiq Home Insurance (condominium, owner)as at 19 Oct 2026code TIQHOME25PLUS | S$222.36Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)as at 9 Oct 2026 |
| Condo, owner, S$100,000 contents | S$154.56Tiq Home Insurance (condominium, owner)as at 19 Oct 2026code TIQHOME25PLUS | S$327.00Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)as at 9 Oct 2026 |
| Condo, tenant, S$60,000 contents | S$88.43Tiq Home Insurance (condominium, tenant)as at 19 Oct 2026code TIQHOME25PLUS | S$222.36Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)as at 9 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 | Etiqa | Liberty |
|---|---|---|
| Renovation | S$80,000 (Tiq’s first option for a 4-room flat, in the price shown; ticking “insured under HDB Fire Insurance” keeps it, and it cannot then be unticked) | Part of building cover (building including renovations and improvements, fire and extraneous perils): S$200,000 (more at 0.0545% a year, up to S$3,500,000) |
| Personal liability | S$500,000 worldwide (except the USA and Canada) | S$500,000 in Singapore (Plan C's limit; more at S$27.25 a year for every further S$500,000, up to S$1,000,000; worldwide, excluding USA and Canada, at S$1,000,000 is a paid option: S$81.75 a year on the Top-up Plan) |
| Alternative accommodation | Emergency cash allowance S$5,000 if the home is 100% uninhabitable, S$2,500 if at least 50% | Up to 10% of the building sum (S$20,000) plus up to 10% of the contents sum (S$6,000 or S$10,000) while the home is uninhabitable; also personal accident S$50,000 a policy (S$10,000 a person) and emergency home assistance S$100 an event, 2 events |
| Excess | S$0.00 | S$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.
Get your own quoteQuestions people ask
Is Etiqa or Liberty cheaper for home insurance?
Of the 12 examples both price, Etiqa was cheaper on 12, Liberty on 0. Your own answers can change the order, so get your own quote.
How does Etiqa's cover compare with Liberty's?
On each one's cheapest plan for HDB flat, owner, S$60,000 contents (Etiqa Tiq Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat), Liberty Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)): Renovation: Etiqa S$80,000 (Tiq’s first option for a 4-room flat, in the price shown; ticking “insured under HDB Fire Insurance” keeps it, and it cannot then be unticked), Liberty Part of building cover (building including renovations and improvements, fire and extraneous perils): S$200,000 (more at 0.0545% a year, up to S$3,500,000); Personal liability: Etiqa S$500,000 worldwide (except the USA and Canada), Liberty S$500,000 in Singapore (Plan C's limit; more at S$27.25 a year for every further S$500,000, up to S$1,000,000; worldwide, excluding USA and Canada, at S$1,000,000 is a paid option: S$81.75 a year on the Top-up Plan); Alternative accommodation: Etiqa Emergency cash allowance S$5,000 if the home is 100% uninhabitable, S$2,500 if at least 50%, Liberty Up to 10% of the building sum (S$20,000) plus up to 10% of the contents sum (S$6,000 or S$10,000) while the home is uninhabitable; also personal accident S$50,000 a policy (S$10,000 a person) and emergency home assistance S$100 an event, 2 events; Excess: Etiqa S$0.00, Liberty S$0.00.
What discounts are Etiqa and Liberty running?
Etiqa: Promo code TIQHOME25PLUS: 25% off. Liberty: none to show.