Home insurance
FWD vs Liberty home insurance
As of 28 Oct 2026 (Singapore time)
Of the 12 examples both price, FWD 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 | FWD | Liberty |
|---|---|---|
| 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$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$77.92FWD Home Insurance, condo, tenant (your contents only)as at 15 Oct 2026 | S$130.80Liberty HomeCare Plan Bas at 9 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$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$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$130.80Liberty HomeCare Plan Bas at 9 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$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$70.31FWD Home Insurance, HDB flat, tenant (your contents only)as at 15 Oct 2026 | S$130.80Liberty HomeCare Plan Bas at 9 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$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$116.06FWD Home Insurance, HDB flat, tenant (your contents only)as at 15 Oct 2026 | 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$109.97FWD Home Insurance, condo (renovations S$80,000 included; 2/3-bedroom pricing)as at 15 Oct 2026 | S$130.80Liberty HomeCare Plan Bas at 9 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$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$169.18FWD Home Insurance, condo (renovations S$80,000 included; 2/3-bedroom pricing)as at 15 Oct 2026 | 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$98.14FWD Home Insurance, condo, tenant (your contents only)as at 15 Oct 2026 | 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 | FWD | Liberty |
|---|---|---|
| Renovations | S$20,000 (the funnel’s default; more can be chosen on FWD’s site, up to S$100,000) | 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 | Up to S$500,000 worldwide | 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 | 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) | 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 FWD or Liberty cheaper for home insurance?
Of the 12 examples both price, FWD was cheaper on 12, Liberty on 0. Your own answers can change the order, so get your own quote.
How does FWD's cover compare with Liberty'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), Liberty Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)): Renovations: FWD S$20,000 (the funnel’s default; more can be chosen on FWD’s site, up to S$100,000), 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: FWD Up to S$500,000 worldwide, 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: 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), 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: FWD S$0.00, Liberty S$0.00.
What discounts are FWD and Liberty running?
FWD: none to show. Liberty: none to show.