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Home insurance

How MSIG 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 MSIG'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 4, live since 20 Oct 2026.

Plans and how each is priced

Enhanced HomePlus Standard

Promotion

Offered when Contents sum insured up to S$50,000

Base premium S$111.00

Excess None

20% off the list price until 31 Oct 2026.

Enhanced HomePlus Superior

Promotion

Offered when Contents sum insured up to S$80,000

Base premium S$165.00

Excess None

20% off the list price until 31 Oct 2026.

Enhanced HomePlus Ultimate

Promotion

Offered when Contents sum insured up to S$120,000

Base premium S$218.00

Excess None

20% off the list price until 31 Oct 2026.

HomeEasy Silver (owner or landlord)

Promotion

Offered when Property type is HDB flat; Occupancy is Owner; Contents sum insured up to S$30,000

Base premium S$67.00

Excess None

20% off the list price until 31 Oct 2026.

HomeEasy Silver (tenant)

Promotion

Offered when Property type is HDB flat; Occupancy is Tenant; Contents sum insured up to S$30,000

Base premium S$50.00

Excess None

20% off the list price until 31 Oct 2026.

HomeEasy Silver (owner or landlord)

Promotion

Offered when Property type is Condominium; Occupancy is Owner; Contents sum insured up to S$30,000

Base premium S$67.00

Excess None

20% off the list price until 31 Oct 2026.

HomeEasy Silver (tenant)

Promotion

Offered when Property type is Condominium; Occupancy is Tenant; Contents sum insured up to S$30,000

Base premium S$50.00

Excess None

20% off the list price until 31 Oct 2026.

HomeEasy Gold (owner or landlord)

Promotion

Offered when Property type is HDB flat; Occupancy is Owner; Contents sum insured up to S$80,000

Base premium S$114.50

Excess None

20% off the list price until 31 Oct 2026.

HomeEasy Gold (tenant)

Promotion

Offered when Property type is HDB flat; Occupancy is Tenant; Contents sum insured up to S$80,000

Base premium S$80.50

Excess None

20% off the list price until 31 Oct 2026.

HomeEasy Gold (owner or landlord)

Promotion

Offered when Property type is Condominium; Occupancy is Owner; Contents sum insured up to S$80,000

Base premium S$114.50

Excess None

20% off the list price until 31 Oct 2026.

HomeEasy Gold (tenant)

Promotion

Offered when Property type is Condominium; Occupancy is Tenant; Contents sum insured up to S$80,000

Base premium S$80.50

Excess None

20% off the list price until 31 Oct 2026.

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
Enhanced HomePlus Standard, HDB owner, S$30,000 contentsEnhanced HomePlus Standard
  • Occupancy: Owner
  • Contents sum insured: S$30,000
  • Property type: HDB flat
  1. Base S$111.00
  2. + 9% GST = S$120.99
S$120.99S$96.79 with the 20% promotion
Enhanced HomePlus Standard, condo tenant, S$30,000 contentsEnhanced HomePlus Standard
  • Occupancy: Tenant
  • Contents sum insured: S$30,000
  • Property type: Condominium
  1. Base S$111.00
  2. + 9% GST = S$120.99
S$120.99S$96.79 with the 20% promotion
Enhanced HomePlus Superior, condo tenant, S$60,000 contentsEnhanced HomePlus Superior
  • Occupancy: Tenant
  • Contents sum insured: S$60,000
  • Property type: Condominium
  1. Base S$165.00
  2. + 9% GST = S$179.85
S$179.85S$143.88 with the 20% promotion
Enhanced HomePlus Superior, HDB owner, S$30,000 contents (plan above the ask)Enhanced HomePlus Superior
  • Occupancy: Owner
  • Contents sum insured: S$30,000
  • Property type: HDB flat
  1. Base S$165.00
  2. + 9% GST = S$179.85
S$179.85S$143.88 with the 20% promotion
Enhanced HomePlus Ultimate, landed owner, S$100,000 contents, prior claim, 50-year-old houseEnhanced HomePlus Ultimate
  • Occupancy: Owner
  • Contents sum insured: S$100,000
  • Property type: Landed house
  1. Base S$218.00
  2. + 9% GST = S$237.62
S$237.62S$190.10 with the 20% promotion
Enhanced HomePlus Ultimate, condo owner, S$60,000 contents (plan above the ask)Enhanced HomePlus Ultimate
  • Occupancy: Owner
  • Contents sum insured: S$60,000
  • Property type: Condominium
  1. Base S$218.00
  2. + 9% GST = S$237.62
S$237.62S$190.10 with the 20% promotion
Show the other 8 examples
ExampleAnswersWorkingPremium
HomeEasy Silver, HDB owner, S$30,000 contentsHomeEasy Silver (owner or landlord)
  • Occupancy: Owner
  • Contents sum insured: S$30,000
  • Property type: HDB flat
  1. Base S$67.00
  2. + 9% GST = S$73.03
S$73.03S$58.42 with the 20% promotion
HomeEasy Silver, condo owner, S$30,000 contentsHomeEasy Silver (owner or landlord)
  • Occupancy: Owner
  • Contents sum insured: S$30,000
  • Property type: Condominium
  1. Base S$67.00
  2. + 9% GST = S$73.03
S$73.03S$58.42 with the 20% promotion
HomeEasy Silver, HDB tenant, S$30,000 contentsHomeEasy Silver (tenant)
  • Occupancy: Tenant
  • Contents sum insured: S$30,000
  • Property type: HDB flat
  1. Base S$50.00
  2. + 9% GST = S$54.50
S$54.50S$43.60 with the 20% promotion
HomeEasy Silver, condo tenant, S$30,000 contentsHomeEasy Silver (tenant)
  • Occupancy: Tenant
  • Contents sum insured: S$30,000
  • Property type: Condominium
  1. Base S$50.00
  2. + 9% GST = S$54.50
S$54.50S$43.60 with the 20% promotion
HomeEasy Gold, HDB owner, S$60,000 contentsHomeEasy Gold (owner or landlord)
  • Occupancy: Owner
  • Contents sum insured: S$60,000
  • Property type: HDB flat
  1. Base S$114.50
  2. + 9% GST = S$124.81
S$124.81S$99.84 with the 20% promotion
HomeEasy Gold, condo owner, S$30,000 contents (plan above the ask)HomeEasy Gold (owner or landlord)
  • Occupancy: Owner
  • Contents sum insured: S$30,000
  • Property type: Condominium
  1. Base S$114.50
  2. + 9% GST = S$124.81
S$124.81S$99.84 with the 20% promotion
HomeEasy Gold, HDB tenant, S$60,000 contentsHomeEasy Gold (tenant)
  • Occupancy: Tenant
  • Contents sum insured: S$60,000
  • Property type: HDB flat
  1. Base S$80.50
  2. + 9% GST = S$87.75
S$87.75S$70.20 with the 20% promotion
HomeEasy Gold, condo tenant, S$60,000 contentsHomeEasy Gold (tenant)
  • Occupancy: Tenant
  • Contents sum insured: S$60,000
  • Property type: Condominium
  1. Base S$80.50
  2. + 9% GST = S$87.75
S$87.75S$70.20 with the 20% promotion

Where the figures come from

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

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

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