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Does home insurance pay for a hotel if your home is unliveable?
As of 28 Oct 2026 (Singapore time)
Yes. All 20 insurers we compare pay for somewhere else to stay when an insured event such as a fire or flood leaves the home unfit to live in. Each sets its own cap: a daily rate, an amount per event or a share of the sum insured, from a few thousand dollars to tens of thousands.
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$132.38.
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 plansAlternative accommodation: Up to S$50,000 (loss of rental income or additional cost of alternative accommodation) | 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 plansAlternative accommodation: 10% of your renovation and contents sums: S$7,500, S$9,000, S$12,000 or S$16,000 with S$15,000, S$30,000, S$60,000 or S$100,000 contents, for lost rental income and extra hotel expenses (up to S$350 a day) | S$71.22 |
| AIGYesfrom S$75.76 | Yes | Homes Essential (HDB and condominium only)4 of its 4 plansAlternative accommodation: Up to S$20,000, for up to 90 days | 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 plansAlternative accommodation: Emergency cash allowance S$5,000 if the home is 100% uninhabitable, S$2,500 if at least 50% | S$79.91 |
| UOIYesfrom S$82.95 | Yes | UniHome Insurance, HDB flat (contents only, no renovation cover, no building cover)6 of its 6 plansAlternative accommodation: Up to S$500 a day, S$15,000 an event (or loss of rental income up to S$15,000) | S$82.95 |
| 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)7 of its 7 plansAlternative accommodation: Temporary accommodation and storage up to S$300 a day: S$15,000 (contents sum up to S$40,000) or S$35,000 (above S$40,000) | S$98.78 |
| MSIGYesfrom S$99.84 | Yes | HomeEasy Gold (owner or landlord)7 of its 11 plansAlternative accommodation: Alternative accommodation or loss of rent up to 10% of the Section 1 sum insured (S$20,000) | S$99.84 |
| QBEYesfrom S$109.00 | Yes | Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000)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 | 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 plansAlternative accommodation: Up to S$300 a day, S$36,000 a year, including storage (not for a landlord who did not live in the home) | S$118.81 |
| Great EasternYesfrom S$123.17 | Yes | Value4 of its 4 plansAlternative accommodation: S$12,000 (max S$1,000 a week, up to 12 weeks) | S$123.17 |
| ERGOYesfrom S$141.59 | Yes | ERGO HomeSecure Smart or Enhanced (plan by property type and contents sum)3 of its 9 plansAlternative accommodation: 10% of the building and renovations sum insured, up to S$25,000 | S$141.59 |
| HL AssuranceYesfrom S$145.38 | Yes | Home Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums)3 of its 4 plansAlternative accommodation: S$15,000 for up to 30 days (S$300 a day for a family of 3 or fewer, S$600 a day for 4 or more) after an insured peril makes the home uninhabitable, plus temporary storage S$15,000 for up to 30 days and emergency cash allowance S$1,000 | S$145.38 |
| AllianzYesfrom S$153.69 | Yes | Home Protect Gold (S$60,000 contents, S$90,000 renovations)3 of its 3 plansAlternative accommodation: S$15,000 an event for alternative lodging, loss of rent, utility and conservancy charges while the home is uninhabitable after a covered peril; plus emergency cash allowance S$1,000 an event | S$153.69 |
| EQ InsuranceYesfrom S$163.50 | Yes | EQ HomeGUARD PLUS Superior3 of its 3 plansAlternative accommodation: Up to 10% of the renovation (and building, if insured) sum insured, for up to 3 months: S$10,000 | 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 plansAlternative accommodation: Up to 10% of the building sum (S$20,000) plus up to 10% of the contents sum (S$6,000 or S$10,000) while the home is uninhabitable; also personal accident S$50,000 a policy (S$10,000 a person) and emergency home assistance S$100 an event, 2 events | S$222.36 |
| ChubbYesfrom S$226.76 | Yes | DBS myHome Protect II Premium (underwritten by Chubb)3 of its 3 plansAlternative accommodation: Up to S$23,000 for alternative accommodation or loss of rent while the home cannot be lived in | S$226.76 |
| LonpacYesfrom S$228.90 | Yes | Home Protection, contents cover (owner occupied; free S$1m family liability and family PA)2 of its 2 plansAlternative accommodation: Alternative accommodation and/or loss of rent covered (product page); limit not stated | S$228.90 |
| SinglifeYesfrom S$243.89 | Yes | Home Plus (S$100,000 contents)3 of its 3 plansAlternative accommodation: S$12,000 alternative accommodation or loss of rent (up to S$1,000 a week) | S$243.89 |
| India InternationalYesfrom S$258.88 | Yes | i-Home (your contents sum, plus fixtures and renovations S$50,000)Alternative accommodation: S$5,000 a month, up to S$15,000, for alternative accommodation or loss of rent | S$258.88 |
| Great AmericanYesfrom S$272.50 | Yes | Great Home Insurance Elite (S$60,000 contents)4 of its 4 plansAlternative accommodation: Loss of rent and the cost of temporary accommodation are covered (the brochure gives no figure) | 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 pay for a hotel if your home is unliveable?
Yes. All 20 insurers we compare pay for somewhere else to stay when an insured event such as a fire or flood leaves the home unfit to live in. Each sets its own cap: a daily rate, an amount per event or a share of the sum insured, from a few thousand dollars to tens of thousands.
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$132.38.