← Home insurance
Home insurance
Best home insurance for an HDB flat in Singapore (October 2026)
Every insurer's best-value plan for an HDB flat, ranked with the results page's value score for a four-room flat's owner with S$60,000 of belongings. Commission never affects the order.
Prices as of 28 Oct 2026, GST included.
For a four-room HDB flat whose owner has S$60,000 of belongings, the best-value plan today is Income's Enhanced Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat; contents and S$60,000 renovations) at S$71.22 a year, scoring 79 of 100 on price, cover and excess. The cheapest plan is Sompo's HomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000) at S$67.85. 20 insurers priced this flat; HDB fire insurance covers the structure only, so a home policy insures the rest.
Every insurer's best plan, by value score
| Insurer | Plan | Score | Renovations | Liability | Excess | Price |
|---|---|---|---|---|---|---|
| 1. IncomeEnhanced Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat; contents and S$60,000 renovations) | Enhanced Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat; contents and S$60,000 renovations) | 79 | S$60,000 | S$5,000,000 | S$0.00 | S$71.22 |
| 2. SompoHomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000) | HomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000) | 73 | 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 | S$500,000 worldwide family personal liability | S$0.00 | S$67.85 |
| 3. AIGHomes Essential (HDB and condominium only) | Homes Essential (HDB and condominium only) | 72 | Included in the S$150,000 combined contents and renovations limit; complimentary building cover up to S$100,000 | S$400,000 | S$0.00 | S$75.76 |
| 4. QBEHome Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000) | Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000) | 70 | 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 | Up to S$5,000,000 in any one period, for occupation or ownership of the home and personal liability worldwide | S$100.00 | S$109.00 |
| 5. MSIGHomeEasy Gold (owner or landlord) | HomeEasy Gold (owner or landlord) | 69 | S$120,000 | S$1,000,000 worldwide; property owner's or tenant's liability S$500,000 (S$1,000,000 in the aggregate) | S$0.00 | S$99.84 |
| 6. EtiqaTiq Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat) | Tiq Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat) | 67 | S$80,000 (Tiq’s first option for a 4-room flat, in the price shown; ticking “insured under HDB Fire Insurance” keeps it, and it cannot then be unticked) | S$500,000 worldwide (except the USA and Canada) | S$0.00 | S$79.91 |
| 7. FWDFWD Home Insurance, HDB flat (renovations S$20,000 and the S$82,000 building included; 3/4-room pricing) | FWD Home Insurance, HDB flat (renovations S$20,000 and the S$82,000 building included; 3/4-room pricing) | 62 | S$20,000 (the funnel’s default; more can be chosen on FWD’s site, up to S$100,000) | Up to S$500,000 worldwide | S$0.00 | S$98.78 |
| 8. UOIUniHome Insurance, HDB flat (contents only, no renovation cover, no building cover) | UniHome Insurance, HDB flat (contents only, no renovation cover, no building cover) | 59 | Not covered (renovation cover left unticked in UOI's app: this card insures contents only; the card beside it adds renovations) | S$500,000 worldwide | S$100.00 | S$82.95 |
| 9. ECICSHome Contents Insurance for owners (1-year; S$30,000 renovations; 4-room or larger unit) | Home Contents Insurance for owners (1-year; S$30,000 renovations; 4-room or larger unit) | 59 | S$30,000 renovations sum insured (the online quote's minimum; raise it at checkout, up to S$200,000); plus debris removal and professional fees, each 10% of the renovation sum | S$500,000 a year for family personal liability (worldwide except the USA and Canada) and tenant's liability together | S$0.00 | S$118.81 |
| 10. ERGOERGO HomeSecure Custom (contents only, no building or renovation cover) | ERGO HomeSecure Custom (contents only, no building or renovation cover) | 58 | Not covered (contents only; ERGO's Custom plan can add building and renovations cover at extra cost, or take HomeSecure Smart or Enhanced) | S$500,000 worldwide (top-up to S$3 million) | S$100.00 | S$88.94 |
| 11. AllianzHome Protect Gold (S$60,000 contents, S$90,000 renovations) | Home Protect Gold (S$60,000 contents, S$90,000 renovations) | 58 | S$90,000 a year (walls, windows, ceilings, floors, doors and household improvements, including those by the developer; professional fees share this limit); the building itself only with the optional extra renovations and building cover | S$2,000,000 an event, worldwide (you and your family members) | S$100.00 | S$153.69 |
| 12. Great EasternValue | Value | 57 | S$70,000 building and renovations for an HDB 4-room flat, S$60,000 for a condo or landed home (the store's proposed sum), first loss basis; HDB prices are for a 4-room flat: a 1-3 room flat costs S$3.27 less and a 5-room, executive, multi-generation or jumbo flat S$3.27 more | S$500,000 worldwide | S$100.00 | S$123.17 |
| 13. EQ InsuranceEQ HomeGUARD PLUS Superior | EQ HomeGUARD PLUS Superior | 53 | S$100,000 | S$1,000,000, worldwide except USA and Canada | S$100.00 | S$163.50 |
| 14. LibertyLiberty HomeCare Top-up Plan (Plan C topped up to your contents sum) | Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum) | 53 | Part of building cover (building including renovations and improvements, fire and extraneous perils): S$200,000 (more at 0.0545% a year, up to S$3,500,000) | 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$0.00 | S$222.36 |
| 15. ChubbDBS myHome Protect II Premium (underwritten by Chubb) | DBS myHome Protect II Premium (underwritten by Chubb) | 52 | Up to S$150,000 (fixtures and fittings such as flooring, built-in wardrobes and air-conditioners, by you or a former owner; not the building structure) | 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$0.00 | S$226.76 |
| 16. HL AssuranceHome Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums) | Home Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums) | 45 | Included in the S$100,000 Section 1 limit together with contents, fixtures and fittings; interior decoration or refurbishment work in progress covered up to S$30,000 for up to 60 days | 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$350.00 | S$145.38 |
| 17. SinglifeHome Plus (S$100,000 contents) | Home Plus (S$100,000 contents) | 45 | S$100,000 renovations; emergency cash allowance S$1,000; medical expenses S$3,000; household removal S$10,000; covers renovations you legally own (a tenant's own fit-out counts; the landlord's renovations come under tenant's liability, not this section) | S$500,000 family worldwide liability; tenant's liability S$50,000 | S$0.00 | S$243.89 |
| 18. India Internationali-Home (your contents sum, plus fixtures and renovations S$50,000) | i-Home (your contents sum, plus fixtures and renovations S$50,000) | 41 | Fixtures, fittings and renovation S$50,000, all risks (the buy page takes S$30,000 to S$250,000; the minimum charge covers up to S$50,000, S$1.15 per S$1,000 above that); building cover can be added at S$0.50 per S$1,000 up to S$500,000 | S$1,000,000 worldwide personal and family liability, property owner's and occupier's liability | S$0.00 | S$258.88 |
| 19. LonpacHome Protection, contents cover (owner occupied; free S$1m family liability and family PA) | Home Protection, contents cover (owner occupied; free S$1m family liability and family PA) | 39 | Not stated as a separate section; the building itself (including fixtures) can be added at 0.05% of the sum you choose, S$50 a year per S$100,000, not priced in here; S$100 excess | S$1,000,000 personal and family liability, worldwide, free with the contents cover | S$100.00 | S$228.90 |
| 20. Great AmericanGreat Home Insurance Elite (S$60,000 contents) | Great Home Insurance Elite (S$60,000 contents) | 39 | Fixtures, fittings and renovations S$200,000 (tick a box to include the building itself in this sum) | Up to S$500,000 worldwide; can be raised to S$1,000,000 for S$82 a year including GST | Not published | S$272.50 |
The value score (0 to 100) weighs each plan against the others priced for the same example: price counts for 50%, the main cover for 35% and the excess for 15%. Commission never affects it.
Every plan for this flat, by price, or price your own flat: your renovation and belongings sums change the order.
Questions people ask
Which home insurance is best for an HDB flat?
This month, Income's Enhanced Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat; contents and S$60,000 renovations) scores highest for a four-room flat's owner with S$60,000 of belongings, at S$71.22 a year. The score weighs price, the cover that differs between plans and the excess.
Do I need home insurance if I have HDB fire insurance?
HDB fire insurance covers the flat's structure and the fittings HDB installed, and is compulsory with an HDB loan. It does not cover your renovations, your belongings or your liability to neighbours; home insurance does.
What should an HDB home policy cover?
Your renovations (flooring, built-ins, kitchen), your belongings against fire, water damage and theft, personal liability if your flat damages a neighbour's, and somewhere to stay if the flat becomes unliveable.
How much does it cost?
From S$67.85 a year today for this example, at Sompo. More belongings or renovations to insure raise the price.