Home insurance
Liberty vs UOI home insurance
As of 28 Oct 2026 (Singapore time)
Of the 12 examples both price, Liberty was cheaper on 0, UOI on 12. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | Liberty | UOI |
|---|---|---|
| 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$82.95UniHome Insurance, HDB flat (contents only, no renovation cover, no building cover)as at 11 Oct 2026 |
| Condo, tenant, S$30,000 contents | S$130.80Liberty HomeCare Plan Bas at 9 Oct 2026 | S$91.45UniHome Insurance, condominium or apartment (contents only, no renovation cover, no building cover)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$126.33UniHome Insurance, landed home (contents only, no renovation cover, no building cover)as at 11 Oct 2026 |
| HDB flat, owner, S$30,000 contents | S$130.80Liberty HomeCare Plan Bas at 9 Oct 2026 | S$77.72UniHome Insurance, HDB flat (contents only, no renovation cover, no building cover)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$90.36UniHome Insurance, HDB flat (contents only, no renovation cover, no building cover)as at 11 Oct 2026 |
| HDB flat, tenant, S$30,000 contents | S$130.80Liberty HomeCare Plan Bas at 9 Oct 2026 | S$77.72UniHome Insurance, HDB flat (contents only, no renovation cover, no building cover)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$82.95UniHome Insurance, HDB flat (contents only, no renovation cover, no building cover)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$90.36UniHome Insurance, HDB flat (contents only, no renovation cover, no building cover)as at 11 Oct 2026 |
| Condo, owner, S$30,000 contents | S$130.80Liberty HomeCare Plan Bas at 9 Oct 2026 | S$91.45UniHome Insurance, condominium or apartment (contents only, no renovation cover, no building cover)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$107.15UniHome Insurance, condominium or apartment (contents only, no renovation cover, no building cover)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$126.33UniHome Insurance, condominium or apartment (contents only, no renovation cover, no building cover)as 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$107.15UniHome Insurance, condominium or apartment (contents only, no renovation cover, no building cover)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 | UOI |
|---|---|---|
| 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) | Not covered (renovation cover left unticked in UOI's app: this card insures contents only; the card beside it adds renovations) |
| 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$500,000 worldwide |
| 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 | Up to S$500 a day, S$15,000 an event (or loss of rental income up to S$15,000) |
| 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 Liberty or UOI cheaper for home insurance?
Of the 12 examples both price, Liberty was cheaper on 0, UOI on 12. Your own answers can change the order, so get your own quote.
How does Liberty's cover compare with UOI'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), UOI UniHome Insurance, HDB flat (contents only, no renovation cover, no building cover)): 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), UOI Not covered (renovation cover left unticked in UOI's app: this card insures contents only; the card beside it adds renovations); 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), UOI S$500,000 worldwide; 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, UOI Up to S$500 a day, S$15,000 an event (or loss of rental income up to S$15,000); Excess: Liberty S$0.00, UOI S$100.00.
What discounts are Liberty and UOI running?
Liberty: none to show. UOI: none to show.