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Home insurance

How ECICS prices home insurance

Priced online

What the figures include

The table's figures are before GST. We add 9% GST to each price.

Prices from this table are as at 9 Oct 2026, the day we last checked them against ECICS's own online quotes.

A plan's premium is its base figure, times each factor that applies, plus any additions. It is never below the plan's minimum. Version 6, live since 20 Oct 2026.

Plans and how each is priced

Home Contents Insurance for owners (1-year; S$30,000 renovations; 4-room or larger unit)

Offered when Occupancy is Owner

Base premium One figure for each of 3 property types (HDB flat, Condominium, Landed house) by 17 bands of contents sum insured, from S$91.00 to S$239.00.

Show all 51 figures
Base premium
Property typeby Contents sum insuredUp to S$40,000S$40,001 to S$50,000S$50,001 to S$60,000S$60,001 to S$70,000S$70,001 to S$80,000S$80,001 to S$90,000S$90,001 to S$100,000S$100,001 to S$110,000S$110,001 to S$120,000S$120,001 to S$130,000S$130,001 to S$140,000S$140,001 to S$150,000S$150,001 to S$160,000S$160,001 to S$170,000S$170,001 to S$180,000S$180,001 to S$190,000S$190,001 to S$200,000
HDB flatS$91.00S$100.00S$109.00S$118.00S$126.00S$136.00S$144.00S$152.00S$162.00S$170.00S$180.00S$188.00S$197.00S$206.00S$215.00S$223.00S$233.00
CondominiumS$97.00S$106.00S$115.00S$124.00S$132.00S$142.00S$150.00S$158.00S$168.00S$176.00S$186.00S$194.00S$203.00S$212.00S$221.00S$229.00S$239.00
Landed houseS$111.00S$119.00S$126.00S$133.00S$141.00S$148.00S$155.00S$163.00S$170.00S$177.00S$185.00S$192.00S$200.00S$207.00S$214.00S$222.00S$229.00

Excess None

Home Contents Insurance for tenants (1-year; contents and liability, no renovations)

Offered when Occupancy is Tenant

Base premium One figure for each of 3 property types (HDB flat, Condominium, Landed house) by 17 bands of contents sum insured, from S$91.00 to S$252.00.

Show all 51 figures
Base premium
Property typeby Contents sum insuredUp to S$40,000S$40,001 to S$50,000S$50,001 to S$60,000S$60,001 to S$70,000S$70,001 to S$80,000S$80,001 to S$90,000S$90,001 to S$100,000S$100,001 to S$110,000S$110,001 to S$120,000S$120,001 to S$130,000S$130,001 to S$140,000S$140,001 to S$150,000S$150,001 to S$160,000S$160,001 to S$170,000S$170,001 to S$180,000S$180,001 to S$190,000S$190,001 to S$200,000
HDB flatS$91.00S$100.00S$110.00S$120.00S$129.00S$139.00S$149.00S$158.00S$168.00S$178.00S$187.00S$197.00S$207.00S$216.00S$226.00S$236.00S$246.00
CondominiumS$98.00S$107.00S$116.00S$127.00S$136.00S$145.00S$156.00S$165.00S$174.00S$185.00S$194.00S$203.00S$214.00S$223.00S$232.00S$243.00S$252.00
Landed houseS$114.00S$122.00S$131.00S$139.00S$146.00S$155.00S$163.00S$171.00S$179.00S$187.00S$195.00S$204.00S$211.00S$219.00S$228.00S$235.00S$243.00

Excess None

Worked examples

We check the table against these cases before it goes live. Each one matches the insurer's own price to the cent. The working shows where each figure comes from and the sums that give the premium.

ExampleAnswersWorkingPremium
HDB owner, S$30,000 contents (priced at the S$40,000 minimum)Home Contents Insurance for owners (1-year; S$30,000 renovations; 4-room or larger unit)
  • Occupancy: Owner
  • Contents sum insured: S$30,000
  • Property type: HDB flat
  1. Base S$91.00 (Property type HDB flat, Contents sum insured Up to S$40,000)
  2. + 9% GST = S$99.19
S$99.19
HDB owner, S$15,000 contents (priced at the S$40,000 minimum)Home Contents Insurance for owners (1-year; S$30,000 renovations; 4-room or larger unit)
  • Occupancy: Owner
  • Contents sum insured: S$15,000
  • Property type: HDB flat
  1. Base S$91.00 (Property type HDB flat, Contents sum insured Up to S$40,000)
  2. + 9% GST = S$99.19
S$99.19
HDB owner, S$60,000 contentsHome Contents Insurance for owners (1-year; S$30,000 renovations; 4-room or larger unit)
  • Occupancy: Owner
  • Contents sum insured: S$60,000
  • Property type: HDB flat
  1. Base S$109.00 (Property type HDB flat, Contents sum insured S$50,001 to S$60,000)
  2. + 9% GST = S$118.81
S$118.81
Condo owner, S$100,000 contentsHome Contents Insurance for owners (1-year; S$30,000 renovations; 4-room or larger unit)
  • Occupancy: Owner
  • Contents sum insured: S$100,000
  • Property type: Condominium
  1. Base S$150.00 (Property type Condominium, Contents sum insured S$90,001 to S$100,000)
  2. + 9% GST = S$163.50
S$163.50
Landed owner, S$60,000 contentsHome Contents Insurance for owners (1-year; S$30,000 renovations; 4-room or larger unit)
  • Occupancy: Owner
  • Contents sum insured: S$60,000
  • Property type: Landed house
  1. Base S$126.00 (Property type Landed house, Contents sum insured S$50,001 to S$60,000)
  2. + 9% GST = S$137.34
S$137.34
HDB tenant, S$30,000 contents (priced at the S$40,000 minimum)Home Contents Insurance for tenants (1-year; contents and liability, no renovations)
  • Occupancy: Tenant
  • Contents sum insured: S$30,000
  • Property type: HDB flat
  1. Base S$91.00 (Property type HDB flat, Contents sum insured Up to S$40,000)
  2. + 9% GST = S$99.19
S$99.19
Show the other 3 examples
ExampleAnswersWorkingPremium
HDB tenant, S$60,000 contentsHome Contents Insurance for tenants (1-year; contents and liability, no renovations)
  • Occupancy: Tenant
  • Contents sum insured: S$60,000
  • Property type: HDB flat
  1. Base S$110.00 (Property type HDB flat, Contents sum insured S$50,001 to S$60,000)
  2. + 9% GST = S$119.90
S$119.90
Condo tenant, S$100,000 contentsHome Contents Insurance for tenants (1-year; contents and liability, no renovations)
  • Occupancy: Tenant
  • Contents sum insured: S$100,000
  • Property type: Condominium
  1. Base S$156.00 (Property type Condominium, Contents sum insured S$90,001 to S$100,000)
  2. + 9% GST = S$170.04
S$170.04
Landed tenant, S$100,000 contentsHome Contents Insurance for tenants (1-year; contents and liability, no renovations)
  • Occupancy: Tenant
  • Contents sum insured: S$100,000
  • Property type: Landed house
  1. Base S$163.00 (Property type Landed house, Contents sum insured S$90,001 to S$100,000)
  2. + 9% GST = S$177.67
S$177.67

Where the figures come from

Plus 3 files of saved quotes, data and screenshots from ECICS's online quote tool, kept with the table.

Before going live the table was checked against the insurer's own online quotes and matched to worked examples in the insurer's brochure.

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