Home insurance for HDB flats
Home insurance for HDB flats in Sembawang
What insuring an HDB flat in Sembawang 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
- 281 HDB blocks with 32,523 homes, completed from 1997 to 2025.
- 879 flats resold from November 2025 to October 2026.
By flat type
| Flat type | Owner | Tenant | HDB fire | Median resale |
|---|---|---|---|---|
| 1-room955 flats; S$15,000 of belongings | No online price | No online price | S$1.11 | None |
| 2-room4,405 flats; S$15,000 of belongings | No online price | No online price | S$1.99 | S$380,000 (95, 47 m²) |
| 3-room1,913 flats; S$30,000 of belongings | No online price | No online price | S$3.27 | S$520,000 (95, 68 m²) |
| 4-room12,873 flats; S$60,000 of belongings | No online price | No online price | S$4.59 | S$600,000 (388, 93 m²) |
| 5-room9,506 flats; S$60,000 of belongings | No online price | No online price | S$5.43 | S$639,444 (240, 111 m²) |
| Executive2,871 flats; S$60,000 of belongings | No online price | No online price | S$6.68 | S$750,000 (61, 135 m²) |
Look up your block in Sembawang
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 Sembawang?
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 4-room flats in Sembawang sell for?
388 were resold from November 2025 to October 2026, at a median of S$600,000 (S$472,888 to S$889,000), 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.