Home insurance
Income vs Lonpac home insurance
As of 28 Oct 2026 (Singapore time)
Of the 12 examples both price, Income was cheaper on 9, Lonpac on 3. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | Income | Lonpac |
|---|---|---|
| HDB flat, owner, S$60,000 contents | S$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 2026 | S$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 contents | S$98.59Enhanced Home Insurance, condo, tenant (your contents and S$150,000 renovations)as at 16 Oct 2026 | S$114.45Home Protection, contents cover (tenant occupied)as at 11 Oct 2026 |
| Landed house, owner, S$100,000 contents | S$430.55Enhanced Home Insurance, landed house (S$600,000 building and S$150,000 renovations included)as at 16 Oct 2026 | S$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 contents | S$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 2026 | S$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 contents | S$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 2026 | S$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 contents | S$43.10Enhanced Home Insurance, HDB flat, tenant (your contents and S$60,000 renovations)as at 16 Oct 2026 | S$114.45Home Protection, contents cover (tenant occupied)as at 11 Oct 2026 |
| HDB flat, tenant, S$60,000 contents | S$71.22Enhanced Home Insurance, HDB flat, tenant (your contents and S$60,000 renovations)as at 16 Oct 2026 | S$228.90Home Protection, contents cover (tenant occupied)as at 11 Oct 2026 |
| HDB flat, tenant, S$100,000 contents | S$108.72Enhanced Home Insurance, HDB flat, tenant (your contents and S$60,000 renovations)as at 16 Oct 2026 | S$381.50Home Protection, contents cover (tenant occupied)as at 11 Oct 2026 |
| Condo, owner, S$30,000 contents | S$257.58Enhanced Home Insurance, condo (S$390,000 building and S$150,000 renovations included)as at 16 Oct 2026 | S$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 contents | S$295.02Enhanced Home Insurance, condo (S$390,000 building and S$150,000 renovations included)as at 16 Oct 2026 | S$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 contents | S$344.94Enhanced Home Insurance, condo (S$390,000 building and S$150,000 renovations included)as at 16 Oct 2026 | S$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 contents | S$136.03Enhanced Home Insurance, condo, tenant (your contents and S$150,000 renovations)as at 16 Oct 2026 | S$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
| Cover | Income | Lonpac |
|---|---|---|
| Renovations | S$60,000 | 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 |
| Family worldwide liability | S$5,000,000 | S$1,000,000 personal and family liability, worldwide, free with the contents cover |
| Alternative accommodation | 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) | Alternative accommodation and/or loss of rent covered (product page); limit not stated |
| Excess | S$0.00 | S$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.
Get your own quoteQuestions people ask
Is Income or Lonpac cheaper for home insurance?
Of the 12 examples both price, Income was cheaper on 9, Lonpac on 3. Your own answers can change the order, so get your own quote.
How does Income's cover compare with Lonpac'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), Lonpac Home Protection, contents cover (owner occupied; free S$1m family liability and family PA)): Renovations: Income S$60,000, 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; Family worldwide liability: Income S$5,000,000, Lonpac S$1,000,000 personal and family liability, worldwide, free with the contents cover; 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), Lonpac Alternative accommodation and/or loss of rent covered (product page); limit not stated; Excess: Income S$0.00, Lonpac S$100.00.
What discounts are Income and Lonpac running?
Income: none to show. Lonpac: none to show.