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Home insurance

FWD vs Lonpac home insurance

As of 28 Oct 2026 (Singapore time)

Of the 12 examples both price, FWD was cheaper on 12, Lonpac on 0. 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.
ExampleFWDLonpac
HDB flat, owner, S$60,000 contentsS$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 2026S$228.90Home Protection, contents cover (owner occupied; free S$1m family liability and family PA)as at 11 Oct 2026
Condo, tenant, S$30,000 contentsS$77.92FWD Home Insurance, condo, tenant (your contents only)as at 15 Oct 2026S$114.45Home Protection, contents cover (tenant occupied)as at 11 Oct 2026
Landed house, owner, S$100,000 contentsS$229.45FWD Home Insurance, landed house (renovations S$80,000 included; building cover not included)as at 15 Oct 2026S$381.50Home Protection, contents cover (owner occupied; free S$1m family liability and family PA)as at 11 Oct 2026
HDB flat, owner, S$30,000 contentsS$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 2026S$114.45Home Protection, contents cover (owner occupied; free S$1m family liability and family PA)as at 11 Oct 2026
HDB flat, owner, S$100,000 contentsS$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 2026S$381.50Home Protection, contents cover (owner occupied; free S$1m family liability and family PA)as at 11 Oct 2026
HDB flat, tenant, S$30,000 contentsS$70.31FWD Home Insurance, HDB flat, tenant (your contents only)as at 15 Oct 2026S$114.45Home Protection, contents cover (tenant occupied)as at 11 Oct 2026
HDB flat, tenant, S$60,000 contentsS$84.09FWD Home Insurance, HDB flat, tenant (your contents only)as at 15 Oct 2026S$228.90Home Protection, contents cover (tenant occupied)as at 11 Oct 2026
HDB flat, tenant, S$100,000 contentsS$116.06FWD Home Insurance, HDB flat, tenant (your contents only)as at 15 Oct 2026S$381.50Home Protection, contents cover (tenant occupied)as at 11 Oct 2026
Condo, owner, S$30,000 contentsS$109.97FWD Home Insurance, condo (renovations S$80,000 included; 2/3-bedroom pricing)as at 15 Oct 2026S$114.45Home Protection, contents cover (owner occupied; free S$1m family liability and family PA)as at 11 Oct 2026
Condo, owner, S$60,000 contentsS$130.19FWD Home Insurance, condo (renovations S$80,000 included; 2/3-bedroom pricing)as at 15 Oct 2026S$228.90Home Protection, contents cover (owner occupied; free S$1m family liability and family PA)as at 11 Oct 2026
Condo, owner, S$100,000 contentsS$169.18FWD Home Insurance, condo (renovations S$80,000 included; 2/3-bedroom pricing)as at 15 Oct 2026S$381.50Home Protection, contents cover (owner occupied; free S$1m family liability and family PA)as at 11 Oct 2026
Condo, tenant, S$60,000 contentsS$98.14FWD Home Insurance, condo, tenant (your contents only)as at 15 Oct 2026S$228.90Home Protection, contents cover (tenant occupied)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: FWD FWD Home Insurance, HDB flat (renovations S$20,000 and the S$82,000 building included; 3/4-room pricing), Lonpac Home Protection, contents cover (owner occupied; free S$1m family liability and family PA).
CoverFWDLonpac
RenovationsS$20,000 (the funnel’s default; more can be chosen on FWD’s site, up to S$100,000)Not stated as a separate section; the building itself (including fixtures) can be added at 0.05% of the sum you choose, S$50 a year per S$100,000, not priced in here; S$100 excess
Personal liabilityUp to S$500,000 worldwideS$1,000,000 personal and family liability, worldwide, free with the contents cover
Alternative accommodationTemporary 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)Alternative accommodation and/or loss of rent covered (product page); limit not stated
ExcessS$0.00S$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.

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Questions people ask

Is FWD or Lonpac cheaper for home insurance?

Of the 12 examples both price, FWD was cheaper on 12, Lonpac on 0. Your own answers can change the order, so get your own quote.

How does FWD's cover compare with Lonpac'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), Lonpac Home Protection, contents cover (owner occupied; free S$1m family liability and family PA)): Renovations: FWD S$20,000 (the funnel’s default; more can be chosen on FWD’s site, up to S$100,000), Lonpac Not stated as a separate section; the building itself (including fixtures) can be added at 0.05% of the sum you choose, S$50 a year per S$100,000, not priced in here; S$100 excess; Personal liability: FWD Up to S$500,000 worldwide, Lonpac S$1,000,000 personal and family liability, worldwide, free with the contents cover; 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), Lonpac Alternative accommodation and/or loss of rent covered (product page); limit not stated; Excess: FWD S$0.00, Lonpac S$100.00.

What discounts are FWD and Lonpac running?

FWD: none to show. Lonpac: none to show.