Home insurance
How FWD 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 15 Oct 2026, the day we last checked them against FWD'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
FWD Home Insurance, HDB flat (renovations S$20,000 and the S$82,000 building included; 3/4-room pricing)
Offered when Occupancy is Owner; Property type is HDB flat
| Contents sum insured | Figure |
|---|---|
| S$15,000 | S$56.35 |
| S$30,000 | S$77.97 |
| S$60,000 | S$90.62 |
| S$100,000 | S$119.95 |
Excess None
FWD Home Insurance, condo (renovations S$80,000 included; 2/3-bedroom pricing)
Offered when Occupancy is Owner; Property type is Condominium
| Contents sum insured | Figure |
|---|---|
| S$15,000 | S$83.67 |
| S$30,000 | S$100.89 |
| S$60,000 | S$119.44 |
| S$100,000 | S$155.21 |
Excess None
FWD Home Insurance, landed house (renovations S$80,000 included; building cover not included)
Offered when Occupancy is Owner; Property type is Landed house
| Contents sum insured | Figure |
|---|---|
| S$15,000 | S$108.25 |
| S$30,000 | S$130.97 |
| S$60,000 | S$155.44 |
| S$100,000 | S$210.50 |
Excess None
FWD Home Insurance, landed house, with building cover (S$600,000; renovations S$80,000 included)
Offered when Occupancy is Owner; Property type is Landed house
| Contents sum insured | Figure |
|---|---|
| S$15,000 | S$288.25 |
| S$30,000 | S$310.97 |
| S$60,000 | S$335.44 |
| S$100,000 | S$390.50 |
Excess None
FWD Home Insurance, HDB flat, tenant (your contents only)
Offered when Occupancy is Tenant; Property type is HDB flat
| Contents sum insured | Figure |
|---|---|
| S$15,000 | S$42.88 |
| S$30,000 | S$64.50 |
| S$60,000 | S$77.15 |
| S$100,000 | S$106.48 |
Excess None
FWD Home Insurance, condo, tenant (your contents only)
Offered when Occupancy is Tenant; Property type is Condominium
| Contents sum insured | Figure |
|---|---|
| S$15,000 | S$54.27 |
| S$30,000 | S$71.49 |
| S$60,000 | S$90.04 |
| S$100,000 | S$125.81 |
Excess None
FWD Home Insurance, landed house, tenant (your contents only)
Offered when Occupancy is Tenant; Property type is Landed house
| Contents sum insured | Figure |
|---|---|
| S$15,000 | S$65.70 |
| S$30,000 | S$88.42 |
| S$60,000 | S$112.89 |
| S$100,000 | S$167.95 |
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.
| Example | Answers | Working | Premium |
|---|---|---|---|
| HDB 4-room owner, S$60,000 contents asked (FWD S$60,000 tier, renovations S$20,000, building S$82,000)FWD Home Insurance, HDB flat (renovations S$20,000 and the S$82,000 building included; 3/4-room pricing) |
|
| S$98.78 |
| HDB 4-room owner, S$30,000 contents asked (FWD S$40,000 tier)FWD Home Insurance, HDB flat (renovations S$20,000 and the S$82,000 building included; 3/4-room pricing) |
|
| S$84.99 |
| Condo owner, S$100,000 contents askedFWD Home Insurance, condo (renovations S$80,000 included; 2/3-bedroom pricing) |
|
| S$169.18 |
| Landed owner, S$60,000 contents asked (renovations S$80,000, no building cover: the funnel’s offer)FWD Home Insurance, landed house (renovations S$80,000 included; building cover not included) |
|
| S$169.43 |
| Landed owner with building cover, S$60,000 contents asked (renovations S$80,000, building S$600,000: FWD’s default)FWD Home Insurance, landed house, with building cover (S$600,000; renovations S$80,000 included) |
|
| S$365.63 |
| Landed owner with building cover, S$15,000 contents asked (FWD S$20,000 tier)FWD Home Insurance, landed house, with building cover (S$600,000; renovations S$80,000 included) |
|
| S$314.19 |
Show the other 3 examples
| Example | Answers | Working | Premium |
|---|---|---|---|
| HDB tenant, S$30,000 contents asked (FWD S$40,000 tier)FWD Home Insurance, HDB flat, tenant (your contents only) |
|
| S$70.31 |
| HDB 4-room owner, S$15,000 contents asked (FWD S$20,000 tier, the funnel’s lowest and its default)FWD Home Insurance, HDB flat (renovations S$20,000 and the S$82,000 building included; 3/4-room pricing) |
|
| S$61.42 |
| Condo tenant, S$60,000 contents askedFWD Home Insurance, condo, tenant (your contents only) |
|
| S$98.14 |
Where the figures come from
- FWD Home Insurance product page (what is covered, the "Check your price" widget whose gateway is sampled here) read 5 Oct 2026
- FWD Home policy contract, homeowner (V3) read 5 Oct 2026
- FWD Home policy contract, tenant (V3) read 5 Oct 2026
Plus 5 files of saved quotes, data and screenshots from FWD's online quote tool, kept with the table.
Before going live the table was 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.