Home insurance
Does home insurance cover personal liability?
As of 28 Oct 2026 (Singapore time)
Yes. All 20 insurers we compare include personal liability, paying claims when you or your family accidentally injure someone or damage their property. Limits are usually S$500,000 to S$1 million, up to S$5 million on some plans. Many apply worldwide, some excluding the USA and Canada, and a tenant's liability to the landlord often has its own limit.
The figures
- Insurers compared: 20, with 98 plans between them.
- Insurers with at least one plan that covers it: 20.
- Cheapest plan that covers it, 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), S$67.85.
- Median price among the insurers that cover it, for the same example: S$120.99.
What each insurer says
| Insurer | Covered? | What the policy says | From |
|---|---|---|---|
| SompoYesfrom S$67.85 | Yes | HomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000)12 of its 12 plansPersonal liability: S$500,000 worldwide family personal liability | S$67.85 |
| IncomeYesfrom S$71.22 | Yes | 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 plansFamily worldwide liability: S$5,000,000 | S$71.22 |
| AIGYesfrom S$75.76 | Yes | Homes Essential (HDB and condominium only)4 of its 4 plansPersonal liability: S$400,000 | S$75.76 |
| EtiqaYesfrom S$79.91 | Yes | Tiq Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat)7 of its 7 plansPersonal liability: S$500,000 worldwide (except the USA and Canada) | S$79.91 |
| UOIYesfrom S$82.95 | Yes | UniHome Insurance, HDB flat (contents only, no renovation cover, no building cover)6 of its 6 plansPersonal liability: S$500,000 worldwide | S$82.95 |
| ERGOYesfrom S$88.94 | Yes | ERGO HomeSecure Custom (contents only, no building or renovation cover)9 of its 9 plansPersonal liability: S$500,000 worldwide (top-up to S$3 million) | S$88.94 |
| FWDYesfrom S$98.78 | Yes | FWD Home Insurance, HDB flat (renovations S$20,000 and the S$82,000 building included; 3/4-room pricing)4 of its 7 plansPersonal liability: Up to S$500,000 worldwide | S$98.78 |
| MSIGYesfrom S$99.84 | Yes | HomeEasy Gold (owner or landlord)7 of its 11 plansPersonal liability: S$1,000,000 worldwide; property owner's or tenant's liability S$500,000 (S$1,000,000 in the aggregate) | S$99.84 |
| QBEYesfrom S$109.00 | Yes | Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000)Personal liability: Up to S$5,000,000 in any one period, for occupation or ownership of the home and personal liability worldwide | S$109.00 |
| ECICSYesfrom S$118.81 | Yes | Home Contents Insurance for owners (1-year; S$30,000 renovations; 4-room or larger unit)2 of its 2 plansPersonal liability: S$500,000 a year for family personal liability (worldwide except the USA and Canada) and tenant's liability together | S$118.81 |
| Great EasternYesfrom S$123.17 | Yes | Value4 of its 4 plansPersonal liability: S$500,000 worldwide | S$123.17 |
| HL AssuranceYesfrom S$145.38 | Yes | Home Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums)4 of its 4 plansPersonal liability: S$500,000 worldwide (excluding USA, Canada and Japan), S$500 excess a claim; occupier's liability S$500,000; family personal accident S$35,000 (S$10,000 an adult, S$3,000 a child) | S$145.38 |
| AllianzYesfrom S$153.69 | Yes | Home Protect Gold (S$60,000 contents, S$90,000 renovations)3 of its 3 plansPersonal liability: S$2,000,000 an event, worldwide (you and your family members) | S$153.69 |
| EQ InsuranceYesfrom S$163.50 | Yes | EQ HomeGUARD PLUS Superior3 of its 3 plansPersonal liability: S$1,000,000, worldwide except USA and Canada | S$163.50 |
| LibertyYesfrom S$222.36 | Yes | Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)5 of its 5 plansPersonal liability: S$500,000 in Singapore (Plan C's limit; more at S$27.25 a year for every further S$500,000, up to S$1,000,000; worldwide, excluding USA and Canada, at S$1,000,000 is a paid option: S$81.75 a year on the Top-up Plan) | S$222.36 |
| ChubbYesfrom S$226.76 | Yes | DBS myHome Protect II Premium (underwritten by Chubb)3 of its 3 plansPersonal liability: S$1,000,000 for the whole household, worldwide; as a tenant, S$500,000 for damage to the landlord's premises and contents (S$100 excess) | S$226.76 |
| LonpacYesfrom S$228.90 | Yes | Home Protection, contents cover (owner occupied; free S$1m family liability and family PA)1 of its 2 plansPersonal liability: S$1,000,000 personal and family liability, worldwide, free with the contents cover | S$228.90 |
| SinglifeYesfrom S$243.89 | Yes | Home Plus (S$100,000 contents)3 of its 3 plansPersonal liability: S$500,000 family worldwide liability; tenant's liability S$50,000 | S$243.89 |
| India InternationalYesfrom S$258.88 | Yes | i-Home (your contents sum, plus fixtures and renovations S$50,000)Personal liability: S$1,000,000 worldwide personal and family liability, property owner's and occupier's liability | S$258.88 |
| Great AmericanYesfrom S$272.50 | Yes | Great Home Insurance Elite (S$60,000 contents)4 of its 4 plansPersonal liability: Up to S$500,000 worldwide; can be raised to S$1,000,000 for S$82 a year including GST | 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 personal liability?
Yes. All 20 insurers we compare include personal liability, paying claims when you or your family accidentally injure someone or damage their property. Limits are usually S$500,000 to S$1 million, up to S$5 million on some plans. Many apply worldwide, some excluding the USA and Canada, and a tenant's liability to the landlord often has its own limit.
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?
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) is the cheapest plan that covers it, at S$67.85 today, GST included. The median of each insurer's lowest price is S$120.99.