Home insurance
Lonpac vs Sompo home insurance
As of 28 Oct 2026 (Singapore time)
Of the 12 examples both price, Lonpac was cheaper on 0, Sompo on 12. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | Lonpac | Sompo |
|---|---|---|
| HDB flat, owner, S$60,000 contents | S$228.90Home Protection, contents cover (owner occupied; free S$1m family liability and family PA)as at 11 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$114.45Home Protection, contents cover (tenant occupied)as at 11 Oct 2026 | S$54.50HomeVital for condo tenants (your contents sum)as at 9 Oct 2026 |
| Landed house, owner, S$100,000 contents | S$381.50Home Protection, contents cover (owner occupied; free S$1m family liability and family PA)as at 11 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$114.45Home Protection, contents cover (owner occupied; free S$1m family liability and family PA)as at 11 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$381.50Home Protection, contents cover (owner occupied; free S$1m family liability and family PA)as at 11 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$114.45Home Protection, contents cover (tenant occupied)as at 11 Oct 2026 | S$54.50HomeVital for HDB tenants (your contents sum)as at 9 Oct 2026 |
| HDB flat, tenant, S$60,000 contents | S$228.90Home Protection, contents cover (tenant occupied)as at 11 Oct 2026 | S$54.50HomeVital for HDB tenants (your contents sum)as at 9 Oct 2026 |
| HDB flat, tenant, S$100,000 contents | S$381.50Home Protection, contents cover (tenant occupied)as at 11 Oct 2026 | S$81.75HomeVital for HDB tenants (your contents sum)as at 9 Oct 2026 |
| Condo, owner, S$30,000 contents | S$114.45Home Protection, contents cover (owner occupied; free S$1m family liability and family PA)as at 11 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$228.90Home Protection, contents cover (owner occupied; free S$1m family liability and family PA)as at 11 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$381.50Home Protection, contents cover (owner occupied; free S$1m family liability and family PA)as at 11 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$228.90Home Protection, contents cover (tenant occupied)as at 11 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 | Lonpac | Sompo |
|---|---|---|
| Renovations | Not stated as a separate section; the building itself (including fixtures) can be added at 0.05% of the sum you choose, S$50 a year per S$100,000, not priced in here; S$100 excess | 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 | S$1,000,000 personal and family liability, worldwide, free with the contents cover | S$500,000 worldwide family personal liability |
| Alternative accommodation | Alternative accommodation and/or loss of rent covered (product page); limit not stated | Up to S$50,000 (loss of rental income or additional cost of alternative accommodation) |
| 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 quoteQuestions people ask
Is Lonpac or Sompo cheaper for home insurance?
Of the 12 examples both price, Lonpac was cheaper on 0, Sompo on 12. Your own answers can change the order, so get your own quote.
How does Lonpac's cover compare with Sompo's?
On each one's cheapest plan for HDB flat, owner, S$60,000 contents (Lonpac Home Protection, contents cover (owner occupied; free S$1m family liability and family PA), Sompo HomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000)): Renovations: Lonpac Not stated as a separate section; the building itself (including fixtures) can be added at 0.05% of the sum you choose, S$50 a year per S$100,000, not priced in here; S$100 excess, 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: Lonpac S$1,000,000 personal and family liability, worldwide, free with the contents cover, Sompo S$500,000 worldwide family personal liability; Alternative accommodation: Lonpac Alternative accommodation and/or loss of rent covered (product page); limit not stated, Sompo Up to S$50,000 (loss of rental income or additional cost of alternative accommodation); Excess: Lonpac S$100.00, Sompo S$0.00.
What discounts are Lonpac and Sompo running?
Lonpac: none to show. Sompo: 25% off.