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Home insurance

Income vs Liberty home insurance

As of 28 Oct 2026 (Singapore time)

Of the 12 examples both price, Income was cheaper on 8, Liberty on 4. 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.
ExampleIncomeLiberty
HDB flat, owner, S$60,000 contentsS$71.22Enhanced Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat; contents and S$60,000 renovations)as at 16 Oct 2026S$222.36Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)as at 9 Oct 2026
Condo, tenant, S$30,000 contentsS$98.59Enhanced Home Insurance, condo, tenant (your contents and S$150,000 renovations)as at 16 Oct 2026S$130.80Liberty HomeCare Plan Bas at 9 Oct 2026
Landed house, owner, S$100,000 contentsS$430.55Enhanced Home Insurance, landed house (S$600,000 building and S$150,000 renovations included)as at 16 Oct 2026S$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 contentsS$43.10Enhanced Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat; contents and S$60,000 renovations)as at 16 Oct 2026S$130.80Liberty HomeCare Plan Bas at 9 Oct 2026
HDB flat, owner, S$100,000 contentsS$108.72Enhanced Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat; contents and S$60,000 renovations)as at 16 Oct 2026S$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 contentsS$43.10Enhanced Home Insurance, HDB flat, tenant (your contents and S$60,000 renovations)as at 16 Oct 2026S$130.80Liberty HomeCare Plan Bas at 9 Oct 2026
HDB flat, tenant, S$60,000 contentsS$71.22Enhanced Home Insurance, HDB flat, tenant (your contents and S$60,000 renovations)as at 16 Oct 2026S$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 contentsS$108.72Enhanced Home Insurance, HDB flat, tenant (your contents and S$60,000 renovations)as at 16 Oct 2026S$327.00Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)as at 9 Oct 2026
Condo, owner, S$30,000 contentsS$257.58Enhanced Home Insurance, condo (S$390,000 building and S$150,000 renovations included)as at 16 Oct 2026S$130.80Liberty HomeCare Plan Bas at 9 Oct 2026
Condo, owner, S$60,000 contentsS$295.02Enhanced Home Insurance, condo (S$390,000 building and S$150,000 renovations included)as at 16 Oct 2026S$222.36Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)as at 9 Oct 2026
Condo, owner, S$100,000 contentsS$344.94Enhanced Home Insurance, condo (S$390,000 building and S$150,000 renovations included)as at 16 Oct 2026S$327.00Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)as at 9 Oct 2026
Condo, tenant, S$60,000 contentsS$136.03Enhanced Home Insurance, condo, tenant (your contents and S$150,000 renovations)as at 16 Oct 2026S$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

Each insurer's cheapest plan for HDB flat, owner, S$60,000 contents: Income Enhanced Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat; contents and S$60,000 renovations), Liberty Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum).
CoverIncomeLiberty
RenovationsS$60,000Part 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)
Family worldwide liabilityS$5,000,000S$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 accommodation10% of your renovation and contents sums: S$7,500, S$9,000, S$12,000 or S$16,000 with S$15,000, S$30,000, S$60,000 or S$100,000 contents, for lost rental income and extra hotel expenses (up to S$350 a day)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
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.

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Questions people ask

Is Income or Liberty cheaper for home insurance?

Of the 12 examples both price, Income was cheaper on 8, Liberty on 4. Your own answers can change the order, so get your own quote.

How does Income's cover compare with Liberty's?

On each one's cheapest plan for HDB flat, owner, S$60,000 contents (Income Enhanced Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat; contents and S$60,000 renovations), Liberty Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)): Renovations: Income S$60,000, 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); Family worldwide liability: Income S$5,000,000, 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: Income 10% of your renovation and contents sums: S$7,500, S$9,000, S$12,000 or S$16,000 with S$15,000, S$30,000, S$60,000 or S$100,000 contents, for lost rental income and extra hotel expenses (up to S$350 a day), 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: Income S$0.00, Liberty S$0.00.

What discounts are Income and Liberty running?

Income: none to show. Liberty: none to show.