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Home insurance

FWD vs Sompo home insurance

As of 28 Oct 2026 (Singapore time)

Of the 12 examples both price, FWD was cheaper on 0, Sompo on 12. 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.
ExampleFWDSompo
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$67.85HomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000)as at 9 Oct 2026
Condo, tenant, S$30,000 contentsS$77.92FWD Home Insurance, condo, tenant (your contents only)as at 15 Oct 2026S$54.50HomeVital for condo tenants (your contents sum)as at 9 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$120.99HomeVital for landed owners (your contents sum, plus renovations S$80,000)as at 9 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$54.50HomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000)as at 9 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$100.55HomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000)as at 9 Oct 2026
HDB flat, tenant, S$30,000 contentsS$70.31FWD Home Insurance, HDB flat, tenant (your contents only)as at 15 Oct 2026S$54.50HomeVital for HDB tenants (your contents sum)as at 9 Oct 2026
HDB flat, tenant, S$60,000 contentsS$84.09FWD Home Insurance, HDB flat, tenant (your contents only)as at 15 Oct 2026S$54.50HomeVital for HDB tenants (your contents sum)as at 9 Oct 2026
HDB flat, tenant, S$100,000 contentsS$116.06FWD Home Insurance, HDB flat, tenant (your contents only)as at 15 Oct 2026S$81.75HomeVital for HDB tenants (your contents sum)as at 9 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$54.50HomeVital for condo owners (your contents sum, plus renovations S$60,000)as at 9 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$73.58HomeVital for condo owners (your contents sum, plus renovations S$60,000)as at 9 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$112.82HomeVital for condo owners (your contents sum, plus renovations S$60,000)as at 9 Oct 2026
Condo, tenant, S$60,000 contentsS$98.14FWD Home Insurance, condo, tenant (your contents only)as at 15 Oct 2026S$58.86HomeVital for condo tenants (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

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), Sompo HomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000).
CoverFWDSompo
RenovationsS$20,000 (the funnel’s default; more can be chosen on FWD’s site, up to S$100,000)S$40,000 (the minimum for this property; priced in); building S$100,000 (compulsory for HDB owners; priced in); HDB prices are for a 4-room flat: at S$60,000 contents a studio to 3-room costs S$1.63 less, a 5-room S$1.64 more, an executive, HUDC or multi-generation flat S$5.73 more and a jumbo flat S$15.54 more
Personal liabilityUp to S$500,000 worldwideS$500,000 worldwide family personal liability
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)Up to S$50,000 (loss of rental income or additional cost of alternative accommodation)
ExcessS$0.00S$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 quote

Questions people ask

Is FWD or Sompo cheaper for home insurance?

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

How does FWD's cover compare with Sompo'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), Sompo HomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000)): Renovations: FWD S$20,000 (the funnel’s default; more can be chosen on FWD’s site, up to S$100,000), Sompo S$40,000 (the minimum for this property; priced in); building S$100,000 (compulsory for HDB owners; priced in); HDB prices are for a 4-room flat: at S$60,000 contents a studio to 3-room costs S$1.63 less, a 5-room S$1.64 more, an executive, HUDC or multi-generation flat S$5.73 more and a jumbo flat S$15.54 more; Personal liability: FWD Up to S$500,000 worldwide, Sompo S$500,000 worldwide family personal liability; 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), Sompo Up to S$50,000 (loss of rental income or additional cost of alternative accommodation); Excess: FWD S$0.00, Sompo S$0.00.

What discounts are FWD and Sompo running?

FWD: none to show. Sompo: 25% off.