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Home insurance

FWD vs UOI home insurance

As of 28 Oct 2026 (Singapore time)

Of the 12 examples both price, FWD was cheaper on 3, UOI on 9. 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.
ExampleFWDUOI
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$82.95UniHome Insurance, HDB flat (contents only, no renovation cover, no building cover)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$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$229.45FWD Home Insurance, landed house (renovations S$80,000 included; building cover not included)as at 15 Oct 2026S$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$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$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$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$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$70.31FWD Home Insurance, HDB flat, tenant (your contents only)as at 15 Oct 2026S$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$84.09FWD Home Insurance, HDB flat, tenant (your contents only)as at 15 Oct 2026S$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$116.06FWD Home Insurance, HDB flat, tenant (your contents only)as at 15 Oct 2026S$90.36UniHome Insurance, HDB flat (contents only, no renovation cover, no building cover)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$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$130.19FWD Home Insurance, condo (renovations S$80,000 included; 2/3-bedroom pricing)as at 15 Oct 2026S$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$169.18FWD Home Insurance, condo (renovations S$80,000 included; 2/3-bedroom pricing)as at 15 Oct 2026S$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$98.14FWD Home Insurance, condo, tenant (your contents only)as at 15 Oct 2026S$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: FWD FWD Home Insurance, HDB flat (renovations S$20,000 and the S$82,000 building included; 3/4-room pricing), UOI UniHome Insurance, HDB flat (contents only, no renovation cover, no building cover).
CoverFWDUOI
RenovationsS$20,000 (the funnel’s default; more can be chosen on FWD’s site, up to S$100,000)Not covered (renovation cover left unticked in UOI's app: this card insures contents only; the card beside it adds renovations)
Personal liabilityUp to S$500,000 worldwideS$500,000 worldwide
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$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

  • FWD: none to show
  • 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 FWD or UOI cheaper for home insurance?

Of the 12 examples both price, FWD was cheaper on 3, UOI on 9. Your own answers can change the order, so get your own quote.

How does FWD's cover compare with UOI'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), UOI UniHome Insurance, HDB flat (contents only, no renovation cover, no building cover)): Renovations: FWD S$20,000 (the funnel’s default; more can be chosen on FWD’s site, up to S$100,000), UOI Not covered (renovation cover left unticked in UOI's app: this card insures contents only; the card beside it adds renovations); Personal liability: FWD Up to S$500,000 worldwide, UOI S$500,000 worldwide; 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), UOI Up to S$500 a day, S$15,000 an event (or loss of rental income up to S$15,000); Excess: FWD S$0.00, UOI S$100.00.

What discounts are FWD and UOI running?

FWD: none to show. UOI: none to show.