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Home insurance

Etiqa vs UOI home insurance

As of 28 Oct 2026 (Singapore time)

Of the 12 examples both price, Etiqa was cheaper on 6, UOI on 6. Neither is cheaper overall. 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.
ExampleEtiqaUOI
HDB flat, owner, S$60,000 contentsS$79.91Tiq Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat)as at 19 Oct 2026code TIQHOME25PLUSS$82.95UniHome Insurance, HDB flat (contents only, no renovation cover, no building cover)as at 11 Oct 2026
Condo, tenant, S$30,000 contentsS$57.70Tiq Home Insurance (condominium, tenant)as at 19 Oct 2026code TIQHOME25PLUSS$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 contentsS$289.42Tiq Home Insurance (landed, owner)as at 19 Oct 2026code TIQHOME25PLUSS$126.33UniHome Insurance, landed home (contents only, no renovation cover, no building cover)as at 11 Oct 2026
HDB flat, owner, S$30,000 contentsS$70.13Tiq Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat)as at 19 Oct 2026code TIQHOME25PLUSS$77.72UniHome Insurance, HDB flat (contents only, no renovation cover, no building cover)as at 11 Oct 2026
HDB flat, owner, S$100,000 contentsS$109.25Tiq Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat)as at 19 Oct 2026code TIQHOME25PLUSS$90.36UniHome Insurance, HDB flat (contents only, no renovation cover, no building cover)as at 11 Oct 2026
HDB flat, tenant, S$30,000 contentsS$54.28Tiq Home Insurance (HDB, tenant)as at 19 Oct 2026code TIQHOME25PLUSS$77.72UniHome Insurance, HDB flat (contents only, no renovation cover, no building cover)as at 11 Oct 2026
HDB flat, tenant, S$60,000 contentsS$64.06Tiq Home Insurance (HDB, tenant)as at 19 Oct 2026code TIQHOME25PLUSS$82.95UniHome Insurance, HDB flat (contents only, no renovation cover, no building cover)as at 11 Oct 2026
HDB flat, tenant, S$100,000 contentsS$93.40Tiq Home Insurance (HDB, tenant)as at 19 Oct 2026code TIQHOME25PLUSS$90.36UniHome Insurance, HDB flat (contents only, no renovation cover, no building cover)as at 11 Oct 2026
Condo, owner, S$30,000 contentsS$103.35Tiq Home Insurance (condominium, owner)as at 19 Oct 2026code TIQHOME25PLUSS$91.45UniHome Insurance, condominium or apartment (contents only, no renovation cover, no building cover)as at 11 Oct 2026
Condo, owner, S$60,000 contentsS$128.96Tiq Home Insurance (condominium, owner)as at 19 Oct 2026code TIQHOME25PLUSS$107.15UniHome Insurance, condominium or apartment (contents only, no renovation cover, no building cover)as at 11 Oct 2026
Condo, owner, S$100,000 contentsS$154.56Tiq Home Insurance (condominium, owner)as at 19 Oct 2026code TIQHOME25PLUSS$126.33UniHome Insurance, condominium or apartment (contents only, no renovation cover, no building cover)as at 11 Oct 2026
Condo, tenant, S$60,000 contentsS$88.43Tiq Home Insurance (condominium, tenant)as at 19 Oct 2026code TIQHOME25PLUSS$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

Each insurer'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), UOI UniHome Insurance, HDB flat (contents only, no renovation cover, no building cover).
CoverEtiqaUOI
RenovationS$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)Not covered (renovation cover left unticked in UOI's app: this card insures contents only; the card beside it adds renovations)
Personal liabilityS$500,000 worldwide (except the USA and Canada)S$500,000 worldwide
Alternative accommodationEmergency cash allowance S$5,000 if the home is 100% uninhabitable, S$2,500 if at least 50%Up to S$500 a day, S$15,000 an event (or loss of rental income up to S$15,000)
ExcessS$0.00S$100.00

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

Discounts running today

  • Etiqa: Promo code TIQHOME25PLUS: 25% off
  • UOI: none to show

More about each

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

Get your own quote

Questions people ask

Is Etiqa or UOI cheaper for home insurance?

Of the 12 examples both price, Etiqa was cheaper on 6, UOI on 6. Neither is cheaper overall. Your own answers can change the order, so get your own quote.

How does Etiqa's cover compare with UOI'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), UOI UniHome Insurance, HDB flat (contents only, no renovation cover, no building cover)): 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), UOI Not covered (renovation cover left unticked in UOI's app: this card insures contents only; the card beside it adds renovations); Personal liability: Etiqa S$500,000 worldwide (except the USA and Canada), UOI S$500,000 worldwide; Alternative accommodation: Etiqa Emergency cash allowance S$5,000 if the home is 100% uninhabitable, S$2,500 if at least 50%, UOI Up to S$500 a day, S$15,000 an event (or loss of rental income up to S$15,000); Excess: Etiqa S$0.00, UOI S$100.00.

What discounts are Etiqa and UOI running?

Etiqa: Promo code TIQHOME25PLUS: 25% off. UOI: none to show.