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Home insurance
How ERGO prices home insurance
Priced online
What the figures include
The table's figures already include 9% GST.
Prices from this table are as at 20 Oct 2026, the day we read ERGO's published rates.
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 5, live since 20 Oct 2026.
Plans and how each is priced
ERGO HomeSecure Smart or Enhanced (plan by property type and contents sum)
Offered when Occupancy is Owner; Contents sum insured up to S$60,000
| Property typeby Contents sum insured | Up to S$30,000 | S$30,001 to S$60,000 |
|---|---|---|
| HDB flat | S$96.90 | S$141.59 |
| Condominium | S$243.62 | S$243.62 |
| Landed house | S$243.62 | S$243.62 |
Excess S$100.00
ERGO HomeSecure Smart or Enhanced with personal liability raised to S$1,000,000 (plan by property type and contents sum)
Offered when Occupancy is Owner; Contents sum insured up to S$60,000
| Property typeby Contents sum insured | Up to S$30,000 | S$30,001 to S$60,000 |
|---|---|---|
| HDB flat | S$135.05 | S$179.74 |
| Condominium | S$281.77 | S$281.77 |
| Landed house | S$281.77 | S$281.77 |
Excess S$100.00
ERGO HomeSecure Smart or Enhanced with personal liability raised to S$2,000,000 (plan by property type and contents sum)
Offered when Occupancy is Owner; Contents sum insured up to S$60,000
| Property typeby Contents sum insured | Up to S$30,000 | S$30,001 to S$60,000 |
|---|---|---|
| HDB flat | S$211.35 | S$256.04 |
| Condominium | S$358.07 | S$358.07 |
| Landed house | S$358.07 | S$358.07 |
Excess S$100.00
ERGO HomeSecure Custom (contents only, no building or renovation cover)
Offered when Occupancy is Owner; Contents sum insured up to S$100,000
| Property typeby Contents sum insured | Up to S$30,000 | S$30,001 to S$60,000 | S$60,001 to S$100,000 |
|---|---|---|---|
| HDB flat | S$53.41 | S$88.94 | S$148.24 |
| Condominium | S$81.75 | S$163.50 | S$272.50 |
| Landed house | S$81.75 | S$163.50 | S$272.50 |
Excess S$100.00
ERGO HomeSecure Custom (contents only, no building or renovation cover) with personal liability raised to S$1,000,000
Offered when Occupancy is Owner; Contents sum insured up to S$100,000
| Property typeby Contents sum insured | Up to S$30,000 | S$30,001 to S$60,000 | S$60,001 to S$100,000 |
|---|---|---|---|
| HDB flat | S$82.62 | S$127.09 | S$186.39 |
| Condominium | S$119.90 | S$201.65 | S$310.65 |
| Landed house | S$119.90 | S$201.65 | S$310.65 |
Excess S$100.00
ERGO HomeSecure Custom (contents only, no building or renovation cover) with personal liability raised to S$2,000,000
Offered when Occupancy is Owner; Contents sum insured up to S$100,000
| Property typeby Contents sum insured | Up to S$30,000 | S$30,001 to S$60,000 | S$60,001 to S$100,000 |
|---|---|---|---|
| HDB flat | S$158.92 | S$203.39 | S$262.69 |
| Condominium | S$196.20 | S$277.95 | S$386.95 |
| Landed house | S$196.20 | S$277.95 | S$386.95 |
Excess S$100.00
ERGO HomeSecure Custom (contents only, for tenants)
Offered when Occupancy is Tenant; Contents sum insured up to S$100,000
| Property typeby Contents sum insured | Up to S$30,000 | S$30,001 to S$60,000 | S$60,001 to S$100,000 |
|---|---|---|---|
| HDB flat | S$53.41 | S$88.94 | S$148.24 |
| Condominium | S$81.75 | S$163.50 | S$272.50 |
| Landed house | S$81.75 | S$163.50 | S$272.50 |
Excess S$100.00
ERGO HomeSecure Custom (contents only, for tenants) with personal liability raised to S$1,000,000
Offered when Occupancy is Tenant; Contents sum insured up to S$100,000
| Property typeby Contents sum insured | Up to S$30,000 | S$30,001 to S$60,000 | S$60,001 to S$100,000 |
|---|---|---|---|
| HDB flat | S$82.62 | S$127.09 | S$186.39 |
| Condominium | S$119.90 | S$201.65 | S$310.65 |
| Landed house | S$119.90 | S$201.65 | S$310.65 |
Excess S$100.00
ERGO HomeSecure Custom (contents only, for tenants) with personal liability raised to S$2,000,000
Offered when Occupancy is Tenant; Contents sum insured up to S$100,000
| Property typeby Contents sum insured | Up to S$30,000 | S$30,001 to S$60,000 | S$60,001 to S$100,000 |
|---|---|---|---|
| HDB flat | S$158.92 | S$203.39 | S$262.69 |
| Condominium | S$196.20 | S$277.95 | S$386.95 |
| Landed house | S$196.20 | S$277.95 | S$386.95 |
Excess S$100.00
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.
| Example | Answers | Working | Premium |
|---|---|---|---|
| HDB, S$30,000 contentsERGO HomeSecure Smart or Enhanced (plan by property type and contents sum) |
|
| S$96.90 |
| HDB, S$60,000 contentsERGO HomeSecure Smart or Enhanced (plan by property type and contents sum) |
|
| S$141.59 |
| Condo, S$30,000 contentsERGO HomeSecure Smart or Enhanced (plan by property type and contents sum) |
|
| S$243.62 |
| Condo tenant, S$60,000 contentsERGO HomeSecure Custom (contents only, for tenants) |
|
| S$163.50 |
| Landed, S$60,000 contents, prior claim, 50-year-old houseERGO HomeSecure Smart or Enhanced (plan by property type and contents sum) |
|
| S$243.62 |
| HDB tenant, S$30,000 contents (minimum premium)ERGO HomeSecure Custom (contents only, for tenants) |
|
| S$53.41 |
Show the other 9 examples
| Example | Answers | Working | Premium |
|---|---|---|---|
| HDB tenant, S$15,000 asked (Custom at its S$30,000 minimum sum, minimum premium)ERGO HomeSecure Custom (contents only, for tenants) |
|
| S$53.41 |
| Landed tenant, S$100,000 contentsERGO HomeSecure Custom (contents only, for tenants) |
|
| S$272.50 |
| HDB owner, S$100,000 contents, Custom contents onlyERGO HomeSecure Custom (contents only, no building or renovation cover) |
|
| S$148.24 |
| Condo owner, S$30,000 contents, Custom contents onlyERGO HomeSecure Custom (contents only, no building or renovation cover) |
|
| S$81.75 |
| HDB owner, S$30,000 contents, liability S$1,000,000ERGO HomeSecure Smart or Enhanced with personal liability raised to S$1,000,000 (plan by property type and contents sum) |
|
| S$135.05 |
| Condo owner, S$60,000 contents, liability S$2,000,000ERGO HomeSecure Smart or Enhanced with personal liability raised to S$2,000,000 (plan by property type and contents sum) |
|
| S$358.07 |
| Landed owner, S$100,000 contents, Custom with liability S$2,000,000ERGO HomeSecure Custom (contents only, no building or renovation cover) with personal liability raised to S$2,000,000 |
|
| S$386.95 |
| HDB tenant, S$30,000 contents, liability S$1,000,000 (above the minimum premium)ERGO HomeSecure Custom (contents only, for tenants) with personal liability raised to S$1,000,000 |
|
| S$82.62 |
| Condo tenant, S$60,000 contents, liability S$2,000,000ERGO HomeSecure Custom (contents only, for tenants) with personal liability raised to S$2,000,000 |
|
| S$277.95 |
Where the figures come from
- ERGO HomeSecure Insurance product page read 5 Oct 2026
- ERGO HomeSecure policy wording vNov.2025 read 5 Oct 2026
Plus 4 files of saved quotes, data and screenshots from ERGO's online quote tool, kept with the table.
Before going live the table was read from the published table, matched to worked examples in the insurer's brochure and checked against the insurer's own online quotes.
Your own premium depends on your answers. You finish buying on the insurer's own site, where you pay and they issue the policy.