Home insurance
Liberty vs Singlife home insurance
As of 12 Nov 2026 (Singapore time)
Of the 12 examples both price, Liberty was cheaper on 5, Singlife on 7. Your own answers can change the order, so get your own quote.
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/compare/home/liberty-vs-singlife
Home insurance promotions today: HL Assurance, 6 months free; Etiqa, 25% off; Sompo, 25% off. Prices shown include discounts from featured insurers; other insurers are shown at full price with no discount.
Lowest price on each example
| Example | Liberty | Singlife |
|---|---|---|
| HDB flat, owner, S$60,000 contents | S$222.36Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)Buy Nowas at 9 Oct 2026 | S$243.89Home Plus (S$100,000 contents)Buy Nowas at 5 Oct 2026 |
| Condo, tenant, S$30,000 contents | S$130.80Liberty HomeCare Plan BBuy Nowas at 9 Oct 2026 | S$81.21Home Lite (S$35,000 contents)Buy Nowas at 5 Oct 2026 |
| Landed house, owner, S$100,000 contents | S$327.00Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)Buy Nowas at 9 Oct 2026 | S$243.89Home Plus (S$100,000 contents)Buy Nowas at 5 Oct 2026 |
| HDB flat, owner, S$15,000 contents | S$76.30Liberty HomeCare Plan ABuy Nowas at 9 Oct 2026 | S$81.21Home Lite (S$35,000 contents)Buy Nowas at 5 Oct 2026 |
| HDB flat, owner, S$30,000 contents | S$130.80Liberty HomeCare Plan BBuy Nowas at 9 Oct 2026 | S$81.21Home Lite (S$35,000 contents)Buy Nowas at 5 Oct 2026 |
| HDB flat, owner, S$100,000 contents | S$327.00Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)Buy Nowas at 9 Oct 2026 | S$243.89Home Plus (S$100,000 contents)Buy Nowas at 5 Oct 2026 |
| HDB flat, tenant, S$15,000 contents | S$76.30Liberty HomeCare Plan ABuy Nowas at 9 Oct 2026 | S$81.21Home Lite (S$35,000 contents)Buy Nowas at 5 Oct 2026 |
| HDB flat, tenant, S$30,000 contents | S$130.80Liberty HomeCare Plan BBuy Nowas at 9 Oct 2026 | S$81.21Home Lite (S$35,000 contents)Buy Nowas at 5 Oct 2026 |
| HDB flat, tenant, S$60,000 contents | S$222.36Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)Buy Nowas at 9 Oct 2026 | S$243.89Home Plus (S$100,000 contents)Buy Nowas at 5 Oct 2026 |
| HDB flat, tenant, S$100,000 contents | S$327.00Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)Buy Nowas at 9 Oct 2026 | S$243.89Home Plus (S$100,000 contents)Buy Nowas at 5 Oct 2026 |
| Condo, owner, S$15,000 contents | S$76.30Liberty HomeCare Plan ABuy Nowas at 9 Oct 2026 | S$81.21Home Lite (S$35,000 contents)Buy Nowas at 5 Oct 2026 |
| Condo, owner, S$30,000 contents | S$130.80Liberty HomeCare Plan BBuy Nowas at 9 Oct 2026 | S$81.21Home Lite (S$35,000 contents)Buy Nowas at 5 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 | Singlife |
|---|---|---|
| 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$100,000 renovations (fixtures and fittings made by you or a previous owner or tenant that you legally own; the landlord's renovations come under tenant's liability, not this section); new additions in their first 60 days and professional fees, each up to 10% of the renovation sum |
| Personal liability | S$500,000 any one accident, no yearly cap, in Singapore; tenant's liability included; liability from your pets S$100,000; Singapore court judgements only (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$500,000 a year family worldwide liability (Singapore court judgements only); tenant's liability S$50,000 a year for the landlord's building, renovations and contents (a written tenancy agreement is needed) |
| 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) for alternative accommodation, rent you still pay or lose, storage of contents and boarding a licensed pet, up to 3 months while the home is uninhabitable | S$12,000 for alternative accommodation, furniture storage, and rent you still pay as a tenant or lose as a landlord, up to S$1,000 a week (12 weeks) |
| Excess | S$100.00 | 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 quoteBuy Now addresses
Each insurer listed here, at its lowest price on this page.
- Liberty, Liberty HomeCare Plan A: https://shentonbrokers.com/go/buy/home/liberty/plan-a?occupancy=owner&propertyType=hdb&contentsSum=15000
Questions people ask
Is Liberty or Singlife cheaper for home insurance?
Of the 12 examples both price, Liberty was cheaper on 5, Singlife on 7. Your own answers can change the order, so get your own quote.
How does Liberty's cover compare with Singlife'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), Singlife Home Plus (S$100,000 contents)): 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), Singlife S$100,000 renovations (fixtures and fittings made by you or a previous owner or tenant that you legally own; the landlord's renovations come under tenant's liability, not this section); new additions in their first 60 days and professional fees, each up to 10% of the renovation sum; Personal liability: Liberty S$500,000 any one accident, no yearly cap, in Singapore; tenant's liability included; liability from your pets S$100,000; Singapore court judgements only (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), Singlife S$500,000 a year family worldwide liability (Singapore court judgements only); tenant's liability S$50,000 a year for the landlord's building, renovations and contents (a written tenancy agreement is needed); 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) for alternative accommodation, rent you still pay or lose, storage of contents and boarding a licensed pet, up to 3 months while the home is uninhabitable, Singlife S$12,000 for alternative accommodation, furniture storage, and rent you still pay as a tenant or lose as a landlord, up to S$1,000 a week (12 weeks); Excess: Liberty S$100.00, Singlife S$0.00.
What discounts are Liberty and Singlife running?
Liberty: none to show. Singlife: none to show.