Home insurance
Lonpac vs UOI home insurance
As of 28 Oct 2026 (Singapore time)
Of the 12 examples both price, Lonpac 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 | Lonpac | UOI |
|---|---|---|
| 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$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$114.45Home Protection, contents cover (tenant occupied)as at 11 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$381.50Home Protection, contents cover (owner occupied; free S$1m family liability and family PA)as at 11 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$114.45Home Protection, contents cover (owner occupied; free S$1m family liability and family PA)as at 11 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$381.50Home Protection, contents cover (owner occupied; free S$1m family liability and family PA)as at 11 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$114.45Home Protection, contents cover (tenant occupied)as at 11 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$228.90Home Protection, contents cover (tenant occupied)as at 11 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$381.50Home Protection, contents cover (tenant occupied)as at 11 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$114.45Home Protection, contents cover (owner occupied; free S$1m family liability and family PA)as at 11 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$228.90Home Protection, contents cover (owner occupied; free S$1m family liability and family PA)as at 11 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$381.50Home Protection, contents cover (owner occupied; free S$1m family liability and family PA)as at 11 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$228.90Home Protection, contents cover (tenant occupied)as at 11 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 | Lonpac | UOI |
|---|---|---|
| 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 | Not covered (renovation cover left unticked in UOI's app: this card insures contents only; the card beside it adds renovations) |
| Personal liability | S$1,000,000 personal and family liability, worldwide, free with the contents cover | S$500,000 worldwide |
| Alternative accommodation | Alternative accommodation and/or loss of rent covered (product page); limit not stated | Up to S$500 a day, S$15,000 an event (or loss of rental income up to S$15,000) |
| Excess | S$100.00 | 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 Lonpac or UOI cheaper for home insurance?
Of the 12 examples both price, Lonpac was cheaper on 0, UOI on 12. Your own answers can change the order, so get your own quote.
How does Lonpac's cover compare with UOI'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), UOI UniHome Insurance, HDB flat (contents only, no renovation cover, no building cover)): 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, UOI Not covered (renovation cover left unticked in UOI's app: this card insures contents only; the card beside it adds renovations); Personal liability: Lonpac S$1,000,000 personal and family liability, worldwide, free with the contents cover, UOI S$500,000 worldwide; Alternative accommodation: Lonpac Alternative accommodation and/or loss of rent covered (product page); limit not stated, UOI Up to S$500 a day, S$15,000 an event (or loss of rental income up to S$15,000); Excess: Lonpac S$100.00, UOI S$100.00.
What discounts are Lonpac and UOI running?
Lonpac: none to show. UOI: none to show.