Home insurance
Sompo vs UOI home insurance
As of 28 Oct 2026 (Singapore time)
Of the 12 examples both price, Sompo was cheaper on 11, UOI on 1. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | Sompo | UOI |
|---|---|---|
| HDB flat, owner, S$60,000 contents | S$67.85HomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000)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$54.50HomeVital for condo tenants (your contents sum)as 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$120.99HomeVital for landed owners (your contents sum, plus renovations S$80,000)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$54.50HomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000)as 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$100.55HomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000)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$54.50HomeVital for HDB tenants (your contents sum)as 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$54.50HomeVital for HDB tenants (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$81.75HomeVital for HDB tenants (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$54.50HomeVital for condo owners (your contents sum, plus renovations S$60,000)as 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$73.58HomeVital for condo owners (your contents sum, plus renovations S$60,000)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$112.82HomeVital for condo owners (your contents sum, plus renovations S$60,000)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$58.86HomeVital for condo tenants (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 | Sompo | UOI |
|---|---|---|
| Renovations | 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 | 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 worldwide family personal liability | S$500,000 worldwide |
| Alternative accommodation | Up to S$50,000 (loss of rental income or additional cost of alternative accommodation) | 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 Sompo or UOI cheaper for home insurance?
Of the 12 examples both price, Sompo was cheaper on 11, UOI on 1. Your own answers can change the order, so get your own quote.
How does Sompo's cover compare with UOI's?
On each one's cheapest plan for HDB flat, owner, S$60,000 contents (Sompo HomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000), UOI UniHome Insurance, HDB flat (contents only, no renovation cover, no building cover)): Renovations: 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, UOI Not covered (renovation cover left unticked in UOI's app: this card insures contents only; the card beside it adds renovations); Personal liability: Sompo S$500,000 worldwide family personal liability, UOI S$500,000 worldwide; Alternative accommodation: Sompo Up to S$50,000 (loss of rental income or additional cost of alternative accommodation), UOI Up to S$500 a day, S$15,000 an event (or loss of rental income up to S$15,000); Excess: Sompo S$0.00, UOI S$100.00.
What discounts are Sompo and UOI running?
Sompo: 25% off. UOI: none to show.