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Home insurance

Liberty vs Sompo home insurance

As of 28 Oct 2026 (Singapore time)

Of the 12 examples both price, Liberty was cheaper on 0, Sompo on 12. 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.
ExampleLibertySompo
HDB flat, owner, S$60,000 contentsS$222.36Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)as at 9 Oct 2026S$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 contentsS$130.80Liberty HomeCare Plan Bas at 9 Oct 2026S$54.50HomeVital for condo tenants (your contents sum)as at 9 Oct 2026
Landed house, owner, S$100,000 contentsS$327.00Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)as at 9 Oct 2026S$120.99HomeVital for landed owners (your contents sum, plus renovations S$80,000)as at 9 Oct 2026
HDB flat, owner, S$30,000 contentsS$130.80Liberty HomeCare Plan Bas at 9 Oct 2026S$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 contentsS$327.00Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)as at 9 Oct 2026S$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 contentsS$130.80Liberty HomeCare Plan Bas at 9 Oct 2026S$54.50HomeVital for HDB tenants (your contents sum)as at 9 Oct 2026
HDB flat, tenant, S$60,000 contentsS$222.36Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)as at 9 Oct 2026S$54.50HomeVital for HDB tenants (your contents sum)as at 9 Oct 2026
HDB flat, tenant, S$100,000 contentsS$327.00Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)as at 9 Oct 2026S$81.75HomeVital for HDB tenants (your contents sum)as at 9 Oct 2026
Condo, owner, S$30,000 contentsS$130.80Liberty HomeCare Plan Bas at 9 Oct 2026S$54.50HomeVital for condo owners (your contents sum, plus renovations S$60,000)as at 9 Oct 2026
Condo, owner, S$60,000 contentsS$222.36Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)as at 9 Oct 2026S$73.58HomeVital for condo owners (your contents sum, plus renovations S$60,000)as at 9 Oct 2026
Condo, owner, S$100,000 contentsS$327.00Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)as at 9 Oct 2026S$112.82HomeVital for condo owners (your contents sum, plus renovations S$60,000)as at 9 Oct 2026
Condo, tenant, S$60,000 contentsS$222.36Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)as at 9 Oct 2026S$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

Each insurer'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), Sompo HomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000).
CoverLibertySompo
RenovationsPart 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$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
Personal liabilityS$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$500,000 worldwide family personal liability
Alternative accommodationUp 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 eventsUp to S$50,000 (loss of rental income or additional cost of alternative accommodation)
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 Liberty or Sompo cheaper for home insurance?

Of the 12 examples both price, Liberty was cheaper on 0, Sompo on 12. Your own answers can change the order, so get your own quote.

How does Liberty's cover compare with Sompo'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), Sompo HomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000)): 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), 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; 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), Sompo S$500,000 worldwide family personal liability; 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, Sompo Up to S$50,000 (loss of rental income or additional cost of alternative accommodation); Excess: Liberty S$0.00, Sompo S$0.00.

What discounts are Liberty and Sompo running?

Liberty: none to show. Sompo: 25% off.