Home insurance
Income vs Sompo home insurance
As of 28 Oct 2026 (Singapore time)
Of the 12 examples both price, Income was cheaper on 2, Sompo on 10. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | Income | Sompo |
|---|---|---|
| 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$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 contents | S$98.59Enhanced Home Insurance, condo, tenant (your contents and S$150,000 renovations)as at 16 Oct 2026 | S$54.50HomeVital for condo tenants (your contents sum)as at 9 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$120.99HomeVital for landed owners (your contents sum, plus renovations S$80,000)as at 9 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$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 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$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 contents | S$43.10Enhanced Home Insurance, HDB flat, tenant (your contents and S$60,000 renovations)as at 16 Oct 2026 | S$54.50HomeVital for HDB tenants (your contents sum)as at 9 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$54.50HomeVital for HDB tenants (your contents sum)as at 9 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$81.75HomeVital for HDB tenants (your contents sum)as at 9 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$54.50HomeVital for condo owners (your contents sum, plus renovations S$60,000)as at 9 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$73.58HomeVital for condo owners (your contents sum, plus renovations S$60,000)as at 9 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$112.82HomeVital for condo owners (your contents sum, plus renovations S$60,000)as at 9 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$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
| Cover | Income | Sompo |
|---|---|---|
| Renovations | S$60,000 | 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 |
| Family worldwide liability | S$5,000,000 | S$500,000 worldwide family personal liability |
| 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) | Up to S$50,000 (loss of rental income or additional cost of alternative accommodation) |
| Excess | S$0.00 | S$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 quoteQuestions people ask
Is Income or Sompo cheaper for home insurance?
Of the 12 examples both price, Income was cheaper on 2, Sompo on 10. Your own answers can change the order, so get your own quote.
How does Income's cover compare with Sompo'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), Sompo HomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000)): Renovations: Income S$60,000, 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; Family worldwide liability: Income S$5,000,000, Sompo S$500,000 worldwide family personal liability; 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), Sompo Up to S$50,000 (loss of rental income or additional cost of alternative accommodation); Excess: Income S$0.00, Sompo S$0.00.
What discounts are Income and Sompo running?
Income: none to show. Sompo: 25% off.