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Home insurance
Does home insurance cover a home left empty?
As of 28 Oct 2026 (Singapore time)
Not for long. 16 of the 20 insurers we compare stop or limit cover once the home has been unoccupied for a stretch, from 30 to 90 days in a row, often for theft and burst pipes; 4 do not say. Going abroad for months, or a flat empty between tenants? Tell the insurer first.
The figures
- Insurers compared: 20, with 98 plans between them.
- Insurers that exclude it on every plan: 16.
- Insurers whose documents do not say: 4.
What each insurer says
| Insurer | Covered? | What the policy says | From |
|---|---|---|---|
| SompoNofrom S$67.85 | No | HomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000)12 of its 12 plansExcluded: Theft, malicious acts or burst-pipe damage while the home is unoccupied (no one has lived in it for 30 days or more) | S$67.85 |
| IncomeNofrom S$71.22 | No | Enhanced Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat; contents and S$60,000 renovations)7 of its 7 plansExcluded: Homes left unoccupied for more than 60 days in a row | S$71.22 |
| AIGNofrom S$75.76 | No | Homes Essential (HDB and condominium only)4 of its 4 plansExcluded: Burst-pipe damage if the home was left unoccupied for more than 30 consecutive days | S$75.76 |
| EtiqaNofrom S$79.91 | No | Tiq Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat)7 of its 7 plansExcluded: Losses while the home is left unoccupied for more than 60 days in a row | S$79.91 |
| UOINofrom S$82.95 | No | UniHome Insurance, HDB flat (contents only, no renovation cover, no building cover)6 of its 6 plansExcluded: Home left unoccupied for more than 60 days | S$82.95 |
| ERGONofrom S$88.94 | No | ERGO HomeSecure Custom (contents only, no building or renovation cover)9 of its 9 plansExcluded: Loss or damage while the home is unoccupied for more than 90 days | S$88.94 |
| FWDNofrom S$98.78 | No | FWD Home Insurance, HDB flat (renovations S$20,000 and the S$82,000 building included; 3/4-room pricing)7 of its 7 plansExcluded: Home unoccupied for more than 60 days | S$98.78 |
| MSIGNofrom S$99.84 | No | HomeEasy Gold (owner or landlord)7 of its 11 plansExcluded: Loss or damage while the home is unoccupied for more than 60 consecutive days | S$99.84 |
| ECICSNofrom S$118.81 | No | Home Contents Insurance for owners (1-year; S$30,000 renovations; 4-room or larger unit)2 of its 2 plansExcluded: Home left unoccupied for 90 days or more | S$118.81 |
| Great EasternNofrom S$123.17 | No | Value4 of its 4 plansExcluded: Liability claims when the home had been left unoccupied for more than 30 days; loss of rent without a valid tenancy agreement | S$123.17 |
| HL AssuranceNofrom S$145.38 | No | Home Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums)4 of its 4 plansExcluded: Loss or damage while the home is unoccupied for more than 30 consecutive days | S$145.38 |
| EQ InsuranceNofrom S$163.50 | No | EQ HomeGUARD PLUS Superior3 of its 3 plansExcluded: Home left unoccupied for more than 90 consecutive days without written consent | S$163.50 |
| LibertyNofrom S$222.36 | No | Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)5 of its 5 plansExcluded: Loss or damage while the home is unoccupied for more than 90 consecutive days | S$222.36 |
| ChubbNofrom S$226.76 | No | DBS myHome Protect II Premium (underwritten by Chubb)3 of its 3 plansExcluded: Loss or damage while the home is unoccupied for more than 60 consecutive days | S$226.76 |
| LonpacNofrom S$228.90 | No | Home Protection, contents cover (owner occupied; free S$1m family liability and family PA)2 of its 2 plansExcluded: A vacant home is a separate status on the form and is not priced here | S$228.90 |
| SinglifeNofrom S$243.89 | No | Home Plus (S$100,000 contents)3 of its 3 plansExcluded: Loss, liability or damage while the home is unoccupied for more than 60 consecutive days | S$243.89 |
| QBENot statedfrom S$109.00 | Not stated | Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000)The plan's documents do not mention it. | S$109.00 |
| AllianzNot statedfrom S$153.69 | Not stated | Home Protect Gold (S$60,000 contents, S$90,000 renovations)3 of its 3 plansThe plan's documents do not mention it. | S$153.69 |
| India InternationalNot statedfrom S$258.88 | Not stated | i-Home (your contents sum, plus fixtures and renovations S$50,000)The plan's documents do not mention it. | S$258.88 |
| Great AmericanNot statedfrom S$272.50 | Not stated | Great Home Insurance Elite (S$60,000 contents)4 of its 4 plansThe plan's documents do not mention it. | S$272.50 |
All prices include 9% GST. A dash means the plan has no price for this example. Each insurer's policy wording is the final word on what is covered.
See every insurer's price for your own answers, with each plan's cover side by side.
Compare home insuranceQuestions people ask
Does home insurance cover a home left empty?
Not for long. 16 of the 20 insurers we compare stop or limit cover once the home has been unoccupied for a stretch, from 30 to 90 days in a row, often for theft and burst pipes; 4 do not say. Going abroad for months, or a flat empty between tenants? Tell the insurer first.
Where do these answers come from?
From each insurer's own policy documents: the benefit table and exclusions of every live plan we compare, 98 plans from 20 insurers. The policy wording is the final word on what is covered.
Which plan is cheapest?
Prices depend on your answers: get a quote to see every insurer's price for you.