Home insurance

How Sompo prices home insurance

Priced online

What the figures include

The table's figures already include 9% GST.

Prices from this table are as at 9 Oct 2026, the day we last checked them against Sompo'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 4, live since 20 Oct 2026.

Plans and how each is priced

HomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000)

Promotion

Offered when Property type is HDB flat; Occupancy is Owner

Base premium
Contents sum insured	Figure
S$15,000	S$41.42
S$30,000	S$57.77
S$60,000	S$90.47
S$100,000	S$134.07

Minimum premium S$54.50 · Excess None

25% off the list price until 30 Dec 2026.

HomeVital for HDB tenants (your contents sum)

Promotion

Offered when Property type is HDB flat; Occupancy is Tenant

Base premium
Contents sum insured	Figure
S$15,000	S$16.35
S$30,000	S$32.70
S$60,000	S$65.40
S$100,000	S$109.00

Minimum premium S$54.50 · Excess None

25% off the list price until 30 Dec 2026.

HomeVital for condo owners (your contents sum, plus renovations S$60,000)

Promotion

Offered when Property type is Condominium; Occupancy is Owner

Base premium
Contents sum insured	Figure
S$15,000	S$39.24
S$30,000	S$58.85
S$60,000	S$98.11
S$100,000	S$150.43

Minimum premium S$54.50 · Excess None

25% off the list price until 30 Dec 2026.

HomeVital for condo tenants (your contents sum)

Promotion

Offered when Property type is Condominium; Occupancy is Tenant

Base premium
Contents sum insured	Figure
S$15,000	S$19.62
S$30,000	S$39.24
S$60,000	S$78.48
S$100,000	S$130.80

Minimum premium S$54.50 · Excess None

25% off the list price until 30 Dec 2026.

HomeVital for landed owners (your contents sum, plus renovations S$80,000)

Promotion

Offered when Property type is Landed house; Occupancy is Owner

Base premium
Contents sum insured	Figure
S$15,000	S$50.14
S$30,000	S$69.76
S$60,000	S$109.00
S$100,000	S$161.32

Minimum premium S$54.50 · Excess None

25% off the list price until 30 Dec 2026.

HomeVital for landed tenants (your contents sum)

Promotion

Offered when Property type is Landed house; Occupancy is Tenant

Base premium
Contents sum insured	Figure
S$15,000	S$19.62
S$30,000	S$39.24
S$60,000	S$78.48
S$100,000	S$130.80

Minimum premium S$54.50 · Excess None

25% off the list price until 30 Dec 2026.

HomeMax for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000)

Promotion

Offered when Property type is HDB flat; Occupancy is Owner

Base premium
Contents sum insured	Figure
S$15,000	S$104.09
S$30,000	S$144.97
S$60,000	S$226.72
S$100,000	S$335.72

Minimum premium S$54.50 · Excess S$100.00

25% off the list price until 30 Dec 2026.

HomeMax for HDB tenants (your contents sum)

Promotion

Offered when Property type is HDB flat; Occupancy is Tenant

Base premium
Contents sum insured	Figure
S$15,000	S$40.87
S$30,000	S$81.75
S$60,000	S$163.51
S$100,000	S$272.51

Minimum premium S$54.50 · Excess S$100.00

25% off the list price until 30 Dec 2026.

HomeMax for condo owners (your contents sum, plus renovations S$60,000)

Promotion

Offered when Property type is Condominium; Occupancy is Owner

Base premium
Contents sum insured	Figure
S$15,000	S$70.30
S$30,000	S$111.19
S$60,000	S$192.93
S$100,000	S$301.93

Minimum premium S$54.50 · Excess S$100.00

25% off the list price until 30 Dec 2026.

HomeMax for condo tenants (your contents sum)

Promotion

Offered when Property type is Condominium; Occupancy is Tenant

Base premium
Contents sum insured	Figure
S$15,000	S$40.87
S$30,000	S$81.75
S$60,000	S$163.51
S$100,000	S$272.51

Minimum premium S$54.50 · Excess S$100.00

25% off the list price until 30 Dec 2026.

HomeMax for landed owners (your contents sum, plus renovations S$80,000)

Promotion

Offered when Property type is Landed house; Occupancy is Owner

Base premium
Contents sum insured	Figure
S$15,000	S$84.47
S$30,000	S$125.35
S$60,000	S$207.11
S$100,000	S$316.11

Minimum premium S$54.50 · Excess S$100.00

25% off the list price until 30 Dec 2026.

HomeMax for landed tenants (your contents sum)

Promotion

Offered when Property type is Landed house; Occupancy is Tenant

Base premium
Contents sum insured	Figure
S$15,000	S$40.87
S$30,000	S$81.75
S$60,000	S$163.51
S$100,000	S$272.51

Minimum premium S$54.50 · Excess S$100.00

25% off the list price until 30 Dec 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.

Example	Answers	Working	Premium
HomeVital, HDB owner, S$30,000 contents (form: S$54.50 after 25% off)HomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000)	Occupancy: Owner Contents sum insured: S$30,000 Property type: HDB flat	Base S$57.77 (Contents sum insured S$30,000) GST is included: S$57.77	S$57.77S$54.50 with the 25% promotion
HomeVital, HDB owner, S$100,000 contents (form: S$100.55 after 25% off)HomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000)	Occupancy: Owner Contents sum insured: S$100,000 Property type: HDB flat	Base S$134.07 (Contents sum insured S$100,000) GST is included: S$134.07	S$134.07S$100.55 with the 25% promotion
HomeVital, HDB owner, S$15,000 contents (form: S$54.50 after 25% off)HomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000)	Occupancy: Owner Contents sum insured: S$15,000 Property type: HDB flat	Base S$41.42 (Contents sum insured S$15,000) GST is included: S$41.42 Below the plan minimum, so S$54.50	S$54.50S$54.50 with the 25% promotion
HomeVital, HDB tenant, S$30,000 contents (form: S$54.50 after 25% off)HomeVital for HDB tenants (your contents sum)	Occupancy: Tenant Contents sum insured: S$30,000 Property type: HDB flat	Base S$32.70 (Contents sum insured S$30,000) GST is included: S$32.70 Below the plan minimum, so S$54.50	S$54.50S$54.50 with the 25% promotion
HomeVital, HDB tenant, S$100,000 contents (form: S$81.75 after 25% off)HomeVital for HDB tenants (your contents sum)	Occupancy: Tenant Contents sum insured: S$100,000 Property type: HDB flat	Base S$109.00 (Contents sum insured S$100,000) GST is included: S$109.00	S$109.00S$81.75 with the 25% promotion
HomeVital, HDB tenant, S$15,000 contents (form: S$54.50 after 25% off)HomeVital for HDB tenants (your contents sum)	Occupancy: Tenant Contents sum insured: S$15,000 Property type: HDB flat	Base S$16.35 (Contents sum insured S$15,000) GST is included: S$16.35 Below the plan minimum, so S$54.50	S$54.50S$54.50 with the 25% promotion

Show the other 30 examples

Example	Answers	Working	Premium
HomeVital, condo owner, S$30,000 contents (form: S$54.50 after 25% off)HomeVital for condo owners (your contents sum, plus renovations S$60,000)	Occupancy: Owner Contents sum insured: S$30,000 Property type: Condominium	Base S$58.85 (Contents sum insured S$30,000) GST is included: S$58.85	S$58.85S$54.50 with the 25% promotion
HomeVital, condo owner, S$100,000 contents (form: S$112.82 after 25% off)HomeVital for condo owners (your contents sum, plus renovations S$60,000)	Occupancy: Owner Contents sum insured: S$100,000 Property type: Condominium	Base S$150.43 (Contents sum insured S$100,000) GST is included: S$150.43	S$150.43S$112.82 with the 25% promotion
HomeVital, condo owner, S$15,000 contents (form: S$54.50 after 25% off)HomeVital for condo owners (your contents sum, plus renovations S$60,000)	Occupancy: Owner Contents sum insured: S$15,000 Property type: Condominium	Base S$39.24 (Contents sum insured S$15,000) GST is included: S$39.24 Below the plan minimum, so S$54.50	S$54.50S$54.50 with the 25% promotion
HomeVital, condo tenant, S$30,000 contents (form: S$54.50 after 25% off)HomeVital for condo tenants (your contents sum)	Occupancy: Tenant Contents sum insured: S$30,000 Property type: Condominium	Base S$39.24 (Contents sum insured S$30,000) GST is included: S$39.24 Below the plan minimum, so S$54.50	S$54.50S$54.50 with the 25% promotion
HomeVital, condo tenant, S$100,000 contents (form: S$98.10 after 25% off)HomeVital for condo tenants (your contents sum)	Occupancy: Tenant Contents sum insured: S$100,000 Property type: Condominium	Base S$130.80 (Contents sum insured S$100,000) GST is included: S$130.80	S$130.80S$98.10 with the 25% promotion
HomeVital, condo tenant, S$15,000 contents (form: S$54.50 after 25% off)HomeVital for condo tenants (your contents sum)	Occupancy: Tenant Contents sum insured: S$15,000 Property type: Condominium	Base S$19.62 (Contents sum insured S$15,000) GST is included: S$19.62 Below the plan minimum, so S$54.50	S$54.50S$54.50 with the 25% promotion
HomeVital, landed owner, S$30,000 contents (form: S$54.50 after 25% off)HomeVital for landed owners (your contents sum, plus renovations S$80,000)	Occupancy: Owner Contents sum insured: S$30,000 Property type: Landed house	Base S$69.76 (Contents sum insured S$30,000) GST is included: S$69.76	S$69.76S$54.50 with the 25% promotion
HomeVital, landed owner, S$100,000 contents (form: S$120.99 after 25% off)HomeVital for landed owners (your contents sum, plus renovations S$80,000)	Occupancy: Owner Contents sum insured: S$100,000 Property type: Landed house	Base S$161.32 (Contents sum insured S$100,000) GST is included: S$161.32	S$161.32S$120.99 with the 25% promotion
HomeVital, landed owner, S$15,000 contents (form: S$54.50 after 25% off)HomeVital for landed owners (your contents sum, plus renovations S$80,000)	Occupancy: Owner Contents sum insured: S$15,000 Property type: Landed house	Base S$50.14 (Contents sum insured S$15,000) GST is included: S$50.14 Below the plan minimum, so S$54.50	S$54.50S$54.50 with the 25% promotion
HomeVital, landed tenant, S$30,000 contents (form: S$54.50 after 25% off)HomeVital for landed tenants (your contents sum)	Occupancy: Tenant Contents sum insured: S$30,000 Property type: Landed house	Base S$39.24 (Contents sum insured S$30,000) GST is included: S$39.24 Below the plan minimum, so S$54.50	S$54.50S$54.50 with the 25% promotion
HomeVital, landed tenant, S$100,000 contents (form: S$98.10 after 25% off)HomeVital for landed tenants (your contents sum)	Occupancy: Tenant Contents sum insured: S$100,000 Property type: Landed house	Base S$130.80 (Contents sum insured S$100,000) GST is included: S$130.80	S$130.80S$98.10 with the 25% promotion
HomeVital, landed tenant, S$15,000 contents (form: S$54.50 after 25% off)HomeVital for landed tenants (your contents sum)	Occupancy: Tenant Contents sum insured: S$15,000 Property type: Landed house	Base S$19.62 (Contents sum insured S$15,000) GST is included: S$19.62 Below the plan minimum, so S$54.50	S$54.50S$54.50 with the 25% promotion
HomeMax, HDB owner, S$30,000 contents (form: S$108.73 after 25% off)HomeMax for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000)	Occupancy: Owner Contents sum insured: S$30,000 Property type: HDB flat	Base S$144.97 (Contents sum insured S$30,000) GST is included: S$144.97	S$144.97S$108.73 with the 25% promotion
HomeMax, HDB owner, S$100,000 contents (form: S$251.79 after 25% off)HomeMax for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000)	Occupancy: Owner Contents sum insured: S$100,000 Property type: HDB flat	Base S$335.72 (Contents sum insured S$100,000) GST is included: S$335.72	S$335.72S$251.79 with the 25% promotion
HomeMax, HDB owner, S$15,000 contents (form: S$78.07 after 25% off)HomeMax for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000)	Occupancy: Owner Contents sum insured: S$15,000 Property type: HDB flat	Base S$104.09 (Contents sum insured S$15,000) GST is included: S$104.09	S$104.09S$78.07 with the 25% promotion
HomeMax, HDB tenant, S$30,000 contents (form: S$61.31 after 25% off)HomeMax for HDB tenants (your contents sum)	Occupancy: Tenant Contents sum insured: S$30,000 Property type: HDB flat	Base S$81.75 (Contents sum insured S$30,000) GST is included: S$81.75	S$81.75S$61.31 with the 25% promotion
HomeMax, HDB tenant, S$100,000 contents (form: S$204.38 after 25% off)HomeMax for HDB tenants (your contents sum)	Occupancy: Tenant Contents sum insured: S$100,000 Property type: HDB flat	Base S$272.51 (Contents sum insured S$100,000) GST is included: S$272.51	S$272.51S$204.38 with the 25% promotion
HomeMax, HDB tenant, S$15,000 contents (form: S$54.50 after 25% off)HomeMax for HDB tenants (your contents sum)	Occupancy: Tenant Contents sum insured: S$15,000 Property type: HDB flat	Base S$40.87 (Contents sum insured S$15,000) GST is included: S$40.87 Below the plan minimum, so S$54.50	S$54.50S$54.50 with the 25% promotion
HomeMax, condo owner, S$30,000 contents (form: S$83.39 after 25% off)HomeMax for condo owners (your contents sum, plus renovations S$60,000)	Occupancy: Owner Contents sum insured: S$30,000 Property type: Condominium	Base S$111.19 (Contents sum insured S$30,000) GST is included: S$111.19	S$111.19S$83.39 with the 25% promotion
HomeMax, condo owner, S$100,000 contents (form: S$226.45 after 25% off)HomeMax for condo owners (your contents sum, plus renovations S$60,000)	Occupancy: Owner Contents sum insured: S$100,000 Property type: Condominium	Base S$301.93 (Contents sum insured S$100,000) GST is included: S$301.93	S$301.93S$226.45 with the 25% promotion
HomeMax, condo owner, S$15,000 contents (form: S$54.50 after 25% off)HomeMax for condo owners (your contents sum, plus renovations S$60,000)	Occupancy: Owner Contents sum insured: S$15,000 Property type: Condominium	Base S$70.30 (Contents sum insured S$15,000) GST is included: S$70.30	S$70.30S$54.50 with the 25% promotion
HomeMax, condo tenant, S$30,000 contents (form: S$61.31 after 25% off)HomeMax for condo tenants (your contents sum)	Occupancy: Tenant Contents sum insured: S$30,000 Property type: Condominium	Base S$81.75 (Contents sum insured S$30,000) GST is included: S$81.75	S$81.75S$61.31 with the 25% promotion
HomeMax, condo tenant, S$100,000 contents (form: S$204.38 after 25% off)HomeMax for condo tenants (your contents sum)	Occupancy: Tenant Contents sum insured: S$100,000 Property type: Condominium	Base S$272.51 (Contents sum insured S$100,000) GST is included: S$272.51	S$272.51S$204.38 with the 25% promotion
HomeMax, condo tenant, S$15,000 contents (form: S$54.50 after 25% off)HomeMax for condo tenants (your contents sum)	Occupancy: Tenant Contents sum insured: S$15,000 Property type: Condominium	Base S$40.87 (Contents sum insured S$15,000) GST is included: S$40.87 Below the plan minimum, so S$54.50	S$54.50S$54.50 with the 25% promotion
HomeMax, landed owner, S$30,000 contents (form: S$94.01 after 25% off)HomeMax for landed owners (your contents sum, plus renovations S$80,000)	Occupancy: Owner Contents sum insured: S$30,000 Property type: Landed house	Base S$125.35 (Contents sum insured S$30,000) GST is included: S$125.35	S$125.35S$94.01 with the 25% promotion
HomeMax, landed owner, S$100,000 contents (form: S$237.08 after 25% off)HomeMax for landed owners (your contents sum, plus renovations S$80,000)	Occupancy: Owner Contents sum insured: S$100,000 Property type: Landed house	Base S$316.11 (Contents sum insured S$100,000) GST is included: S$316.11	S$316.11S$237.08 with the 25% promotion
HomeMax, landed owner, S$15,000 contents (form: S$63.35 after 25% off)HomeMax for landed owners (your contents sum, plus renovations S$80,000)	Occupancy: Owner Contents sum insured: S$15,000 Property type: Landed house	Base S$84.47 (Contents sum insured S$15,000) GST is included: S$84.47	S$84.47S$63.35 with the 25% promotion
HomeMax, landed tenant, S$30,000 contents (form: S$61.31 after 25% off)HomeMax for landed tenants (your contents sum)	Occupancy: Tenant Contents sum insured: S$30,000 Property type: Landed house	Base S$81.75 (Contents sum insured S$30,000) GST is included: S$81.75	S$81.75S$61.31 with the 25% promotion
HomeMax, landed tenant, S$100,000 contents (form: S$204.38 after 25% off)HomeMax for landed tenants (your contents sum)	Occupancy: Tenant Contents sum insured: S$100,000 Property type: Landed house	Base S$272.51 (Contents sum insured S$100,000) GST is included: S$272.51	S$272.51S$204.38 with the 25% promotion
HomeMax, landed tenant, S$15,000 contents (form: S$54.50 after 25% off)HomeMax for landed tenants (your contents sum)	Occupancy: Tenant Contents sum insured: S$15,000 Property type: Landed house	Base S$40.87 (Contents sum insured S$15,000) GST is included: S$40.87 Below the plan minimum, so S$54.50	S$54.50S$54.50 with the 25% promotion

Where the figures come from

Sompo home insurance (HomeVital / HomeMax) product page, information correct as at 01 October 2026 read 5 Oct 2026
Sompo home product page re-captured: 25% promotion to 30 December 2026, minimum sums by property type, S$54.50 minimum premium read 9 Oct 2026
Sompo home product page re-captured: 25% promotion still to 30 December 2026 (information correct as at 01 October 2026), same limits and minimum sums read 19 Oct 2026
Sompo Home Insurance brochure (correct as of November 2024) read 5 Oct 2026
Home Insurance Application Form (June 2026) read 5 Oct 2026
HomeVital policy wording PDHMIP.01 (Sep 24) read 5 Oct 2026
HomeMax policy wording PDHMAR.01 (Sep 24) read 5 Oct 2026

Plus 3 files of saved quotes, data and screenshots from Sompo's online quote tool, kept with the table.

Before going live the table was checked against the insurer's own online quotes.

Compare home quotes Sompo home insurance prices today Buy on Sompo's site

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 Sompo with another insurer

Sompo promo codes and discounts