Renting a home
Home insurance for tenants in Singapore
A tenant insures their own belongings and their liability; the landlord insures the building. Here is what that costs today, set against an owner's policy for the same home.
Prices as of 28 Oct 2026, GST included.
Tenants and owners, by home
| Home and belongings | Tenant | Owner |
|---|---|---|
| HDB flat, S$30,000 | No online price | No online price |
| HDB flat, S$60,000 | No online price | No online price |
| Condo, S$30,000 | No online price | No online price |
| Condo, S$60,000 | No online price | No online price |
| Landed house, S$100,000 | No online price | No online price |
Open a home for every insurer's tenant price with those answers. An owner's policy also covers the renovations they paid for.
What a tenant's policy covers
- Your belongings: furniture, appliances, clothes and valuables, against fire, flood, burglary and burst pipes.
- Your liability to others, and on some plans to the landlord for damage you cause to their home.
- Somewhere else to stay if the home becomes unliveable after an insured event.
- Does HDB fire insurance cover renovations?
- Does home insurance cover theft?
- Does home insurance cover water damage?
- Does home insurance cover flood damage?
- Does home insurance pay for a hotel if your home is unliveable?
- Does home insurance cover personal liability?
- Does home insurance cover a home left empty?
Questions people ask
Do tenants need home insurance?
It is not required by law, but the landlord's insurance covers the building and the landlord's own fittings, not your belongings or your liability. A tenant's policy covers your contents and the damage you might cause to the landlord's home or to others.
Can a landlord buy home insurance here?
Not on this site yet: our online prices are for owners who live in their home and for tenants. A landlord needs a landlord policy, which some insurers sell to cover the building, their fittings and loss of rent.