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Home insurance

How Lonpac 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 11 Oct 2026, the day we read Lonpac'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 2, live since 20 Oct 2026.

Plans and how each is priced

Home Protection, contents cover (owner occupied; free S$1m family liability and family PA)

Offered when Occupancy is Owner

Base premium
Contents sum insuredFigure
S$15,000S$52.50
S$30,000S$105.00
S$60,000S$210.00
S$100,000S$350.00

Minimum premium S$109.00 · Excess S$100.00

Home Protection, contents cover (tenant occupied)

Offered when Occupancy is Tenant

Base premium
Contents sum insuredFigure
S$15,000S$52.50
S$30,000S$105.00
S$60,000S$210.00
S$100,000S$350.00

Minimum premium S$109.00 · 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.

ExampleAnswersWorkingPremium
HDB owner, S$30,000 contents (form: 0.35% = S$105 before GST, S$114.45 payable)Home Protection, contents cover (owner occupied; free S$1m family liability and family PA)
  • Occupancy: Owner
  • Contents sum insured: S$30,000
  1. Base S$105.00 (Contents sum insured S$30,000)
  2. + 9% GST = S$114.45
S$114.45
Condo tenant, S$60,000 contents (form: 0.35% = S$210 before GST, S$228.90 payable)Home Protection, contents cover (tenant occupied)
  • Occupancy: Tenant
  • Contents sum insured: S$60,000
  1. Base S$210.00 (Contents sum insured S$60,000)
  2. + 9% GST = S$228.90
S$228.90
Landed owner, S$100,000 contents (form: 0.35% = S$350 before GST, S$381.50 payable)Home Protection, contents cover (owner occupied; free S$1m family liability and family PA)
  • Occupancy: Owner
  • Contents sum insured: S$100,000
  1. Base S$350.00 (Contents sum insured S$100,000)
  2. + 9% GST = S$381.50
S$381.50
HDB tenant, S$30,000 contents (form: S$105 before GST, above the S$100 minimum; S$114.45 payable)Home Protection, contents cover (tenant occupied)
  • Occupancy: Tenant
  • Contents sum insured: S$30,000
  1. Base S$105.00 (Contents sum insured S$30,000)
  2. + 9% GST = S$114.45
S$114.45
HDB owner, S$15,000 contents (form: 0.35% = S$52.50 before GST, below the S$100 + GST minimum premium; S$109.00 payable)Home Protection, contents cover (owner occupied; free S$1m family liability and family PA)
  • Occupancy: Owner
  • Contents sum insured: S$15,000
  1. Base S$52.50 (Contents sum insured S$15,000)
  2. + 9% GST = S$57.23
  3. Below the plan minimum, so S$109.00
S$109.00

Where the figures come from

Plus 1 file of saved quotes, data and screenshots from Lonpac's online quote tool, kept with the table.

Before going live the table was read from the published table and matched to worked examples in the insurer's brochure.

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Your own premium depends on your answers. You finish buying on the insurer's own site, where you pay and they issue the policy.

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