Home insurance
QBE vs UOI home insurance
As of 28 Oct 2026 (Singapore time)
Of the 12 examples both price, QBE 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 | QBE | UOI |
|---|---|---|
| HDB flat, owner, S$60,000 contents | S$109.00Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000)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$163.50Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000)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$261.60Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000)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$109.00Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000)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$109.00Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000)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$109.00Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000)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$109.00Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000)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$109.00Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000)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$163.50Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000)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$163.50Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000)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$163.50Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000)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$163.50Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000)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 | QBE | UOI |
|---|---|---|
| Renovations | S$100,000 for the building including fixtures, fittings and renovations (owner, tenant or landlord), with options to increase through a QBE agent or broker | Not covered (renovation cover left unticked in UOI's app: this card insures contents only; the card beside it adds renovations) |
| Personal liability | Up to S$5,000,000 in any one period, for occupation or ownership of the home and personal liability worldwide | S$500,000 worldwide |
| Alternative accommodation | Up to 25% of the sum insured, not exceeding 6 months (owner or tenant); landlords get loss of rent on the same basis instead | 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 QBE or UOI cheaper for home insurance?
Of the 12 examples both price, QBE was cheaper on 0, UOI on 12. Your own answers can change the order, so get your own quote.
How does QBE's cover compare with UOI's?
On each one's cheapest plan for HDB flat, owner, S$60,000 contents (QBE Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000), UOI UniHome Insurance, HDB flat (contents only, no renovation cover, no building cover)): Renovations: QBE S$100,000 for the building including fixtures, fittings and renovations (owner, tenant or landlord), with options to increase through a QBE agent or broker, UOI Not covered (renovation cover left unticked in UOI's app: this card insures contents only; the card beside it adds renovations); Personal liability: QBE Up to S$5,000,000 in any one period, for occupation or ownership of the home and personal liability worldwide, UOI S$500,000 worldwide; Alternative accommodation: QBE Up to 25% of the sum insured, not exceeding 6 months (owner or tenant); landlords get loss of rent on the same basis instead, UOI Up to S$500 a day, S$15,000 an event (or loss of rental income up to S$15,000); Excess: QBE S$100.00, UOI S$100.00.
What discounts are QBE and UOI running?
QBE: none to show. UOI: none to show.