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Home insurance
Home insurance for an HDB flat owner, S$100,000 contents: prices compared
HDB flat, owner, S$100,000 contents
As of 28 Oct 2026 (Singapore time)
20 insurers price this, from S$75.76 to S$545.00 (as at 12 Oct 2026).
What we assumed
- HDB flat, owner-occupied
- S$100,000 contents
- No claims in 3 years
Example prices
| Insurer | Plan | Premium | Excess | As at |
|---|---|---|---|---|
| AIGHomes Essential (HDB and condominium only) | Homes Essential (HDB and condominium only) | S$75.76 | S$0.00 | 12 Oct 2026 |
| UOIUniHome Insurance, HDB flat (contents only, no renovation cover, no building cover) | UniHome Insurance, HDB flat (contents only, no renovation cover, no building cover) | S$90.36 | S$100.00 | 11 Oct 2026 |
| UOIUniHome Insurance, HDB flat (your contents sum, renovations S$50,000, no building cover) | UniHome Insurance, HDB flat (your contents sum, renovations S$50,000, no building cover) | S$100.17 | S$100.00 | 11 Oct 2026 |
| SompoHomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000) | HomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000) | S$0.00 | 9 Oct 2026 | |
| IncomeEnhanced Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat; contents and S$60,000 renovations) | Enhanced Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat; contents and S$60,000 renovations) | S$108.72estimate | S$0.00 | 16 Oct 2026 |
| QBEHome Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000) | Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000) | S$109.00 | S$100.00 | 11 Oct 2026 |
| EtiqaTiq Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat) | Tiq Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat) | S$0.00 | 19 Oct 2026 | |
| EtiqaTiq Home Insurance (HDB, owner) | Tiq Home Insurance (HDB, owner) | S$0.00 | 19 Oct 2026 | |
| IncomeEnhanced Home Insurance, HDB flat (building and S$60,000 renovations included) | Enhanced Home Insurance, HDB flat (building and S$60,000 renovations included) | S$125.98estimate | S$0.00 | 16 Oct 2026 |
| FWDFWD Home Insurance, HDB flat (renovations S$20,000 and the S$82,000 building included; 3/4-room pricing) | FWD Home Insurance, HDB flat (renovations S$20,000 and the S$82,000 building included; 3/4-room pricing) | S$130.75 | S$0.00 | 15 Oct 2026 |
| HL AssuranceHome Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums) | Home Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums) | S$350.00 | 8 Oct 2026 | |
| ERGOERGO HomeSecure Custom (contents only, no building or renovation cover) | ERGO HomeSecure Custom (contents only, no building or renovation cover) | S$148.24 | S$100.00 | 20 Oct 2026 |
| ECICSHome Contents Insurance for owners (1-year; S$30,000 renovations; 4-room or larger unit) | Home Contents Insurance for owners (1-year; S$30,000 renovations; 4-room or larger unit) | S$156.96 | S$0.00 | 9 Oct 2026 |
| EQ InsuranceEQ HomeGUARD PLUS Superior | EQ HomeGUARD PLUS Superior | S$163.50 | S$100.00 | 5 Oct 2026 |
| ERGOERGO HomeSecure Custom (contents only, no building or renovation cover) with personal liability raised to S$1,000,000 | ERGO HomeSecure Custom (contents only, no building or renovation cover) with personal liability raised to S$1,000,000 | S$186.39 | S$100.00 | 20 Oct 2026 |
| Great EasternValue | Value | S$188.57 | S$100.00 | 17 Oct 2026 |
| MSIGEnhanced HomePlus Ultimate | Enhanced HomePlus Ultimate | S$0.00 | 11 Oct 2026 | |
| ChubbDBS myHome Protect II Premium (underwritten by Chubb) | DBS myHome Protect II Premium (underwritten by Chubb) | S$226.76 | S$0.00 | 15 Oct 2026 |
| SinglifeHome Plus (S$100,000 contents) | Home Plus (S$100,000 contents) | S$243.89 | S$0.00 | 5 Oct 2026 |
| SompoHomeMax for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000) | HomeMax for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000) | S$100.00 | 9 Oct 2026 | |
| HL AssuranceHome Protect360 Gold (S$200,000 contents; annual, 12 monthly premiums) | Home Protect360 Gold (S$200,000 contents; annual, 12 monthly premiums) | S$350.00 | 8 Oct 2026 | |
| ERGOERGO HomeSecure Custom (contents only, no building or renovation cover) with personal liability raised to S$2,000,000 | ERGO HomeSecure Custom (contents only, no building or renovation cover) with personal liability raised to S$2,000,000 | S$262.69 | S$100.00 | 20 Oct 2026 |
| AllianzHome Protect Platinum (S$100,000 contents, S$150,000 renovations) | Home Protect Platinum (S$100,000 contents, S$150,000 renovations) | S$273.59 | S$100.00 | 12 Oct 2026 |
| ChubbDBS myHome Protect II Ultimate (underwritten by Chubb) | DBS myHome Protect II Ultimate (underwritten by Chubb) | S$296.44 | S$0.00 | 15 Oct 2026 |
| LibertyLiberty HomeCare Top-up Plan (Plan C topped up to your contents sum) | Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum) | S$327.00 | S$0.00 | 9 Oct 2026 |
| LibertyLiberty HomeCare Top-up Plan with personal liability raised to S$1,000,000 (Plan C plus top-ups) | Liberty HomeCare Top-up Plan with personal liability raised to S$1,000,000 (Plan C plus top-ups) | S$354.25 | S$0.00 | 9 Oct 2026 |
| HL AssuranceHome Protect360 Platinum (S$300,000 contents; annual, 12 monthly premiums) | Home Protect360 Platinum (S$300,000 contents; annual, 12 monthly premiums) | S$350.00 | 8 Oct 2026 | |
| Great AmericanGreat Home Insurance Ultimate (your contents sum, S$200,000 renovations) | Great Home Insurance Ultimate (your contents sum, S$200,000 renovations) | S$381.50estimate | Not published | 17 Oct 2026 |
| LonpacHome Protection, contents cover (owner occupied; free S$1m family liability and family PA) | Home Protection, contents cover (owner occupied; free S$1m family liability and family PA) | S$381.50 | S$100.00 | 11 Oct 2026 |
| India Internationali-Home (your contents sum, plus fixtures and renovations S$50,000) | i-Home (your contents sum, plus fixtures and renovations S$50,000) | S$389.68 | S$0.00 | 10 Oct 2026 |
| Great EasternSuperior | Superior | S$421.84 | S$100.00 | 17 Oct 2026 |
| Great EasternPremier | Premier | S$545.00 | S$100.00 | 17 Oct 2026 |
All prices include 9% GST.
These are example prices for the details above. Your own price depends on your answers.
"As at" is the date we read the insurer's published price table. A price with today's date comes from the insurer's live rates.
Open the quote form with these answers filled in, then change anything that is different for you.
Get your own quoteYou finish buying on the insurer's own site. The insurer takes payment and issues the policy. This page is also available as markdown.
Questions people ask
How much is home insurance for HDB flat, owner, S$100,000 contents?
Today, 20 insurers price this, from S$75.76 to S$545.00 (as at 12 Oct 2026). The cheapest is AIG Homes Essential (HDB and condominium only) at S$75.76 (as at 12 Oct 2026). All prices include 9% GST.
What do these prices assume?
HDB flat, owner-occupied. S$100,000 contents. No claims in 3 years.
Will my own price be the same?
Not always. These are example prices for the assumptions on this page, and your own price depends on your answers. The quote form opens with these answers filled in, so you can change anything that is different for you.