Home insurance
FWD vs HL Assurance home insurance
As of 28 Oct 2026 (Singapore time)
Of the 12 examples both price, FWD was cheaper on 10, HL Assurance on 2. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | FWD | HL Assurance |
|---|---|---|
| HDB flat, owner, S$60,000 contents | S$98.78FWD Home Insurance, HDB flat (renovations S$20,000 and the S$82,000 building included; 3/4-room pricing)as at 15 Oct 2026 | S$145.38Home Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums)as at 8 Oct 2026 |
| Condo, tenant, S$30,000 contents | S$77.92FWD Home Insurance, condo, tenant (your contents only)as at 15 Oct 2026 | S$121.11Home ProtectLite (annual)as at 8 Oct 2026 |
| Landed house, owner, S$100,000 contents | S$229.45FWD Home Insurance, landed house (renovations S$80,000 included; building cover not included)as at 15 Oct 2026 | S$145.38Home Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums)as at 8 Oct 2026 |
| HDB flat, owner, S$30,000 contents | S$84.99FWD Home Insurance, HDB flat (renovations S$20,000 and the S$82,000 building included; 3/4-room pricing)as at 15 Oct 2026 | S$121.11Home ProtectLite (annual)as at 8 Oct 2026 |
| HDB flat, owner, S$100,000 contents | S$130.75FWD Home Insurance, HDB flat (renovations S$20,000 and the S$82,000 building included; 3/4-room pricing)as at 15 Oct 2026 | S$145.38Home Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums)as at 8 Oct 2026 |
| HDB flat, tenant, S$30,000 contents | S$70.31FWD Home Insurance, HDB flat, tenant (your contents only)as at 15 Oct 2026 | S$121.11Home ProtectLite (annual)as at 8 Oct 2026 |
| HDB flat, tenant, S$60,000 contents | S$84.09FWD Home Insurance, HDB flat, tenant (your contents only)as at 15 Oct 2026 | S$145.38Home Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums)as at 8 Oct 2026 |
| HDB flat, tenant, S$100,000 contents | S$116.06FWD Home Insurance, HDB flat, tenant (your contents only)as at 15 Oct 2026 | S$145.38Home Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums)as at 8 Oct 2026 |
| Condo, owner, S$30,000 contents | S$109.97FWD Home Insurance, condo (renovations S$80,000 included; 2/3-bedroom pricing)as at 15 Oct 2026 | S$121.11Home ProtectLite (annual)as at 8 Oct 2026 |
| Condo, owner, S$60,000 contents | S$130.19FWD Home Insurance, condo (renovations S$80,000 included; 2/3-bedroom pricing)as at 15 Oct 2026 | S$145.38Home Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums)as at 8 Oct 2026 |
| Condo, owner, S$100,000 contents | S$169.18FWD Home Insurance, condo (renovations S$80,000 included; 2/3-bedroom pricing)as at 15 Oct 2026 | S$145.38Home Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums)as at 8 Oct 2026 |
| Condo, tenant, S$60,000 contents | S$98.14FWD Home Insurance, condo, tenant (your contents only)as at 15 Oct 2026 | S$145.38Home Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums)as at 8 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 | FWD | HL Assurance |
|---|---|---|
| Renovations | S$20,000 (the funnel’s default; more can be chosen on FWD’s site, up to S$100,000) | Included in the S$100,000 Section 1 limit together with contents, fixtures and fittings; interior decoration or refurbishment work in progress covered up to S$30,000 for up to 60 days |
| Personal liability | Up to S$500,000 worldwide | S$500,000 worldwide (excluding USA, Canada and Japan), S$500 excess a claim; occupier's liability S$500,000; family personal accident S$35,000 (S$10,000 an adult, S$3,000 a child) |
| Alternative accommodation | Temporary accommodation and storage up to S$300 a day: S$15,000 (contents sum up to S$40,000) or S$35,000 (above S$40,000) | S$15,000 for up to 30 days (S$300 a day for a family of 3 or fewer, S$600 a day for 4 or more) after an insured peril makes the home uninhabitable, plus temporary storage S$15,000 for up to 30 days and emergency cash allowance S$1,000 |
| Excess | S$0.00 | S$350.00 |
Dearer plans from either insurer can cover more. Read the policy wording before you buy.
Discounts running today
- FWD: none to show
- HL Assurance: 6 months free
More about each
See every insurer's price for your own answers, cheapest first.
Get your own quoteQuestions people ask
Is FWD or HL Assurance cheaper for home insurance?
Of the 12 examples both price, FWD was cheaper on 10, HL Assurance on 2. Your own answers can change the order, so get your own quote.
How does FWD's cover compare with HL Assurance's?
On each one's cheapest plan for HDB flat, owner, S$60,000 contents (FWD FWD Home Insurance, HDB flat (renovations S$20,000 and the S$82,000 building included; 3/4-room pricing), HL Assurance Home Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums)): Renovations: FWD S$20,000 (the funnel’s default; more can be chosen on FWD’s site, up to S$100,000), HL Assurance Included in the S$100,000 Section 1 limit together with contents, fixtures and fittings; interior decoration or refurbishment work in progress covered up to S$30,000 for up to 60 days; Personal liability: FWD Up to S$500,000 worldwide, HL Assurance S$500,000 worldwide (excluding USA, Canada and Japan), S$500 excess a claim; occupier's liability S$500,000; family personal accident S$35,000 (S$10,000 an adult, S$3,000 a child); Alternative accommodation: FWD Temporary accommodation and storage up to S$300 a day: S$15,000 (contents sum up to S$40,000) or S$35,000 (above S$40,000), HL Assurance S$15,000 for up to 30 days (S$300 a day for a family of 3 or fewer, S$600 a day for 4 or more) after an insured peril makes the home uninhabitable, plus temporary storage S$15,000 for up to 30 days and emergency cash allowance S$1,000; Excess: FWD S$0.00, HL Assurance S$350.00.
What discounts are FWD and HL Assurance running?
FWD: none to show. HL Assurance: 6 months free.