Home insurance
Liberty vs MSIG home insurance
As of 28 Oct 2026 (Singapore time)
Of the 12 examples both price, Liberty was cheaper on 0, MSIG on 12. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | Liberty | MSIG |
|---|---|---|
| HDB flat, owner, S$60,000 contents | S$222.36Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)as at 9 Oct 2026 | S$99.84HomeEasy Gold (owner or landlord)as at 11 Oct 2026 |
| Condo, tenant, S$30,000 contents | S$130.80Liberty HomeCare Plan Bas at 9 Oct 2026 | S$43.60HomeEasy Silver (tenant)as at 11 Oct 2026 |
| Landed house, owner, S$100,000 contents | S$327.00Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)as at 9 Oct 2026 | S$190.10Enhanced HomePlus Ultimateas at 11 Oct 2026 |
| HDB flat, owner, S$30,000 contents | S$130.80Liberty HomeCare Plan Bas at 9 Oct 2026 | S$58.42HomeEasy Silver (owner or landlord)as at 11 Oct 2026 |
| HDB flat, owner, S$100,000 contents | S$327.00Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)as at 9 Oct 2026 | S$190.10Enhanced HomePlus Ultimateas at 11 Oct 2026 |
| HDB flat, tenant, S$30,000 contents | S$130.80Liberty HomeCare Plan Bas at 9 Oct 2026 | S$43.60HomeEasy Silver (tenant)as at 11 Oct 2026 |
| HDB flat, tenant, S$60,000 contents | S$222.36Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)as at 9 Oct 2026 | S$70.20HomeEasy Gold (tenant)as at 11 Oct 2026 |
| HDB flat, tenant, S$100,000 contents | S$327.00Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)as at 9 Oct 2026 | S$190.10Enhanced HomePlus Ultimateas at 11 Oct 2026 |
| Condo, owner, S$30,000 contents | S$130.80Liberty HomeCare Plan Bas at 9 Oct 2026 | S$58.42HomeEasy Silver (owner or landlord)as at 11 Oct 2026 |
| Condo, owner, S$60,000 contents | S$222.36Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)as at 9 Oct 2026 | S$99.84HomeEasy Gold (owner or landlord)as at 11 Oct 2026 |
| Condo, owner, S$100,000 contents | S$327.00Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)as at 9 Oct 2026 | S$190.10Enhanced HomePlus Ultimateas at 11 Oct 2026 |
| Condo, tenant, S$60,000 contents | S$222.36Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)as at 9 Oct 2026 | S$70.20HomeEasy Gold (tenant)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 | Liberty | MSIG |
|---|---|---|
| Renovations | 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) | S$120,000 |
| Personal liability | 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) | S$1,000,000 worldwide; property owner's or tenant's liability S$500,000 (S$1,000,000 in the aggregate) |
| Alternative accommodation | 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 | Alternative accommodation or loss of rent up to 10% of the Section 1 sum insured (S$20,000) |
| 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 Liberty or MSIG cheaper for home insurance?
Of the 12 examples both price, Liberty was cheaper on 0, MSIG on 12. Your own answers can change the order, so get your own quote.
How does Liberty's cover compare with MSIG's?
On each one's cheapest plan for HDB flat, owner, S$60,000 contents (Liberty Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum), MSIG HomeEasy Gold (owner or landlord)): Renovations: 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), MSIG S$120,000; Personal liability: 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), MSIG S$1,000,000 worldwide; property owner's or tenant's liability S$500,000 (S$1,000,000 in the aggregate); Alternative accommodation: 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, MSIG Alternative accommodation or loss of rent up to 10% of the Section 1 sum insured (S$20,000); Excess: Liberty S$0.00, MSIG S$0.00.
What discounts are Liberty and MSIG running?
Liberty: none to show. MSIG: 20% off.