Home insurance
How Income 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 16 Oct 2026, the day we last checked them against Income'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 7, live since 20 Oct 2026.
Plans and how each is priced
Enhanced Home Insurance, HDB flat (building and S$60,000 renovations included)
Offered when Occupancy is Owner; Property type is HDB flat
| Contents sum insured | Figure |
|---|---|
| S$15,000 | S$42.48 |
| S$30,000 | S$55.38 |
| S$60,000 | S$81.18 |
| S$100,000 | S$115.58 |
Excess None
The figure is an estimate when any of these are true: Property type is HDB flat. Priced for a 4-room flat; Income prices other flat types differently: with S$60,000 contents, a studio cost S$71.75, a 4-room flat S$88.49 and a jumbo flat S$107.18 a year (Income quotes, 19 Oct 2026).
Enhanced Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat; contents and S$60,000 renovations)
Offered when Occupancy is Owner; Property type is HDB flat
| Contents sum insured | Figure |
|---|---|
| S$15,000 | S$33.00 |
| S$30,000 | S$39.54 |
| S$60,000 | S$65.34 |
| S$100,000 | S$99.74 |
Excess None
The figure is an estimate when any of these are true: Property type is HDB flat. Priced for a 4-room flat; Income prices other flat types differently: with S$60,000 contents, a studio cost S$62.49, a 4-room flat S$71.22 and a jumbo flat S$78.71 a year (Income quotes, 19-20 Oct 2026).
Enhanced Home Insurance, HDB flat, tenant (your contents and S$60,000 renovations)
Offered when Occupancy is Tenant; Property type is HDB flat
| Contents sum insured | Figure |
|---|---|
| S$15,000 | S$33.00 |
| S$30,000 | S$39.54 |
| S$60,000 | S$65.34 |
| S$100,000 | S$99.74 |
Excess None
The figure is an estimate when any of these are true: Property type is HDB flat. Priced for a 4-room flat; Income prices other flat types differently: with S$60,000 contents, a studio cost S$62.49, a 4-room flat S$71.22 and a jumbo flat S$78.71 a year (Income quotes, 19 Oct 2026).
Enhanced Home Insurance, condo (S$390,000 building and S$150,000 renovations included)
Offered when Occupancy is Owner; Property type is Condominium
| Contents sum insured | Figure |
|---|---|
| S$15,000 | S$219.14 |
| S$30,000 | S$236.31 |
| S$60,000 | S$270.66 |
| S$100,000 | S$316.46 |
Excess None
The figure is an estimate when any of these are true: Property type is Condominium. Priced for a 90 sqm condominium; the building sum follows your floor area (Income's S$390,000 for 90 sqm), so a bigger flat costs more.
Enhanced Home Insurance, condo, tenant (your contents and S$150,000 renovations)
Offered when Occupancy is Tenant; Property type is Condominium
| Contents sum insured | Figure |
|---|---|
| S$15,000 | S$73.28 |
| S$30,000 | S$90.45 |
| S$60,000 | S$124.80 |
| S$100,000 | S$170.60 |
Excess None
Enhanced Home Insurance, landed house (S$600,000 building and S$150,000 renovations included)
Offered when Occupancy is Owner; Property type is Landed house
| Contents sum insured | Figure |
|---|---|
| S$15,000 | S$297.68 |
| S$30,000 | S$314.85 |
| S$60,000 | S$349.20 |
| S$100,000 | S$395.00 |
Excess None
The figure is an estimate when any of these are true: Property type is Landed house. Priced for a 150 sqm terrace house; the building sum follows your floor area and house type, so semi-detached and detached houses cost more: with S$60,000 contents at 150 sqm, Income quoted S$380.63 for a terrace, S$413.24 for a semi-detached house and S$576.30 for a detached house or bungalow (19 Oct 2026).
Enhanced Home Insurance, landed house, tenant (your contents and S$150,000 renovations)
Offered when Occupancy is Tenant; Property type is Landed house
| Contents sum insured | Figure |
|---|---|
| S$15,000 | S$73.28 |
| S$30,000 | S$90.45 |
| S$60,000 | S$124.80 |
| S$100,000 | S$170.60 |
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 (funnel: S$88.49 a year)Enhanced Home Insurance, HDB flat (building and S$60,000 renovations included) |
|
| S$88.49 |
| HDB 4-room owner without building cover, S$60,000 contents (quoted 2026-10-20: S$71.22 a year)Enhanced Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat; contents and S$60,000 renovations) |
|
| S$71.22 |
| HDB tenant, S$30,000 contentsEnhanced Home Insurance, HDB flat, tenant (your contents and S$60,000 renovations) |
|
| S$43.10 |
| Condo owner 90 sqm, S$100,000 contentsEnhanced Home Insurance, condo (S$390,000 building and S$150,000 renovations included) |
|
| S$344.94 |
| HDB 4-room owner, S$15,000 contents (quoted 2026-10-20: S$46.30 a year)Enhanced Home Insurance, HDB flat (building and S$60,000 renovations included) |
|
| S$46.30 |
| Condo tenant, S$60,000 contentsEnhanced Home Insurance, condo, tenant (your contents and S$150,000 renovations) |
|
| S$136.03 |
Show the other 2 examples
| Example | Answers | Working | Premium |
|---|---|---|---|
| Terrace owner 150 sqm, S$60,000 contentsEnhanced Home Insurance, landed house (S$600,000 building and S$150,000 renovations included) |
|
| S$380.63 |
| Landed tenant, S$100,000 contents (private tenants price alike)Enhanced Home Insurance, landed house, tenant (your contents and S$150,000 renovations) |
|
| S$185.95 |
Where the figures come from
- The buy flow's first step with the October banner: promo codes 3YHOME35 / 5YHOME35, 35% off the 3- and 5-year terms only read 16 Oct 2026
- Enhanced Home Insurance brochure: benefits and the worked examples the sweep reproduces (the 100 sqm condominium's 3-year price S$1,016.65 to the cent) read 16 Oct 2026
- Policy conditions (August 2026): cover sections and general exclusions read 16 Oct 2026
Plus 12 files of saved quotes, data and screenshots from Income'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.
Your own premium depends on your answers. You finish buying on the insurer's own site, where you pay and they issue the policy.
Compare Income with another insurer
- Income vs AIG
- Income vs Allianz
- Income vs Chubb
- Income vs ECICS
- Income vs EQ Insurance
- Income vs ERGO
- Income vs Etiqa
- Income vs FWD
- Income vs Great American
- Income vs Great Eastern
- Income vs HL Assurance
- Income vs India International
- Income vs Liberty
- Income vs Lonpac
- Income vs MSIG
- Income vs QBE
- Income vs Singlife
- Income vs Sompo
- Income vs UOI