Home insurance for HDB flats
Home insurance for HDB flats in Central Area
What insuring an HDB flat in Central Area costs today, owner or tenant, by flat type; the HDB fire insurance premium; and what the town's flats have resold for over the last twelve months, from HDB's own records.
Prices as of 28 Oct 2026, GST included.
In short
- 79 HDB blocks with 11,997 homes, completed from 1963 to 2009.
- 180 flats resold from November 2025 to October 2026.
By flat type
| Flat type | Owner | Tenant | HDB fire | Median resale |
|---|---|---|---|---|
| 1-room2,075 flats; S$15,000 of belongings | No online price | No online price | S$1.11 | None |
| 2-room1,316 flats; S$15,000 of belongings | No online price | No online price | S$1.99 | S$320,000 (7, 53 m²) |
| 3-room4,254 flats; S$30,000 of belongings | No online price | No online price | S$3.27 | S$550,000 (67, 65 m²) |
| 4-room3,424 flats; S$60,000 of belongings | No online price | No online price | S$4.59 | S$870,000 (81, 94 m²) |
| 5-room907 flats; S$60,000 of belongings | No online price | No online price | S$5.43 | S$1,480,000 (25, 106 m²) |
| Executive7 flats; S$60,000 of belongings | No online price | No online price | S$6.68 | None |
Look up your block in Central Area
See what homes there are worth and the home insurance we recommend.
Contains information from HDB's HDB Property Information and Resale Flat Prices datasets, accessed on 27 Oct 2026 from data.gov.sg, made available under the Singapore Open Data Licence version 1.0. HDB fire insurance premiums from Etiqa. Compare home insurance for your own home.
Questions people ask
Does home insurance cost more in Central Area?
No. The insurers we compare price an HDB flat the same in every town: on whether you own or rent and the cover for your belongings. HDB fire insurance is priced by flat type only.
What do 3-room flats in Central Area sell for?
67 were resold from November 2025 to October 2026, at a median of S$550,000 (S$405,000 to S$655,000), by HDB's records. The resale price does not change what home insurance costs.
Should I insure my belongings for what my flat is worth?
No. Insure your belongings for what they would cost to replace new: furniture, appliances, clothes and valuables. Most HDB households fall under S$60,000. The flat's structure is covered by HDB fire insurance; your renovations by home insurance.