Home insurance
MSIG vs UOI home insurance
As of 28 Oct 2026 (Singapore time)
Of the 12 examples both price, MSIG was cheaper on 7, UOI on 5. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | MSIG | UOI |
|---|---|---|
| HDB flat, owner, S$60,000 contents | S$99.84HomeEasy Gold (owner or landlord)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$43.60HomeEasy Silver (tenant)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$190.10Enhanced HomePlus Ultimateas 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$58.42HomeEasy Silver (owner or landlord)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$190.10Enhanced HomePlus Ultimateas 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$43.60HomeEasy Silver (tenant)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$70.20HomeEasy Gold (tenant)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$190.10Enhanced HomePlus Ultimateas 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$58.42HomeEasy Silver (owner or landlord)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$99.84HomeEasy Gold (owner or landlord)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$190.10Enhanced HomePlus Ultimateas 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$70.20HomeEasy Gold (tenant)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 | MSIG | UOI |
|---|---|---|
| Renovations | S$120,000 | Not covered (renovation cover left unticked in UOI's app: this card insures contents only; the card beside it adds renovations) |
| Personal liability | S$1,000,000 worldwide; property owner's or tenant's liability S$500,000 (S$1,000,000 in the aggregate) | S$500,000 worldwide |
| Alternative accommodation | Alternative accommodation or loss of rent up to 10% of the Section 1 sum insured (S$20,000) | 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 MSIG or UOI cheaper for home insurance?
Of the 12 examples both price, MSIG was cheaper on 7, UOI on 5. Your own answers can change the order, so get your own quote.
How does MSIG's cover compare with UOI's?
On each one's cheapest plan for HDB flat, owner, S$60,000 contents (MSIG HomeEasy Gold (owner or landlord), UOI UniHome Insurance, HDB flat (contents only, no renovation cover, no building cover)): Renovations: MSIG S$120,000, UOI Not covered (renovation cover left unticked in UOI's app: this card insures contents only; the card beside it adds renovations); Personal liability: MSIG S$1,000,000 worldwide; property owner's or tenant's liability S$500,000 (S$1,000,000 in the aggregate), UOI S$500,000 worldwide; Alternative accommodation: MSIG Alternative accommodation or loss of rent up to 10% of the Section 1 sum insured (S$20,000), UOI Up to S$500 a day, S$15,000 an event (or loss of rental income up to S$15,000); Excess: MSIG S$0.00, UOI S$100.00.
What discounts are MSIG and UOI running?
MSIG: 20% off. UOI: none to show.