# Home insurance: HDB flat, owner, S$100,000 contents

Indicative premiums from Shenton Insurance Brokers. As of 28 Oct 2026 (Singapore time).

## Assumptions

- HDB flat, owner-occupied
- S$100,000 contents
- No claims in 3 years

## Premiums

Ranked by premium only, lowest first. Commission never affects the order.

| Insurer | Plan | Premium | Excess | As at |
| --- | --- | --- | --- | --- |
| AIG | Homes Essential (HDB and condominium only) | S$75.76 | S$0.00 | 12 Oct 2026 |
| UOI | UniHome Insurance, HDB flat (contents only, no renovation cover, no building cover) | S$90.36 | S$100.00 | 11 Oct 2026 |
| UOI | UniHome Insurance, HDB flat (your contents sum, renovations S$50,000, no building cover) | S$100.17 | S$100.00 | 11 Oct 2026 |
| Sompo | HomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000) | S$100.55 | S$0.00 | 9 Oct 2026 |
| Income | Enhanced Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat; contents and S$60,000 renovations) | S$108.72 (estimate) | S$0.00 | 16 Oct 2026 |
| QBE | Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000) | S$109.00 | S$100.00 | 11 Oct 2026 |
| Etiqa | Tiq Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat) | S$109.25 | S$0.00 | 19 Oct 2026 |
| Etiqa | Tiq Home Insurance (HDB, owner) | S$111.04 | S$0.00 | 19 Oct 2026 |
| Income | Enhanced Home Insurance, HDB flat (building and S$60,000 renovations included) | S$125.98 (estimate) | S$0.00 | 16 Oct 2026 |
| FWD | 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 Assurance | Home Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums) | S$145.38 | S$350.00 | 8 Oct 2026 |
| ERGO | ERGO HomeSecure Custom (contents only, no building or renovation cover) | S$148.24 | S$100.00 | 20 Oct 2026 |
| ECICS | 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 Insurance | EQ HomeGUARD PLUS Superior | S$163.50 | S$100.00 | 5 Oct 2026 |
| ERGO | 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 Eastern | Value | S$188.57 | S$100.00 | 17 Oct 2026 |
| MSIG | Enhanced HomePlus Ultimate | S$190.10 | S$0.00 | 11 Oct 2026 |
| Chubb | DBS myHome Protect II Premium (underwritten by Chubb) | S$226.76 | S$0.00 | 15 Oct 2026 |
| Singlife | Home Plus (S$100,000 contents) | S$243.89 | S$0.00 | 5 Oct 2026 |
| Sompo | HomeMax for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000) | S$251.79 | S$100.00 | 9 Oct 2026 |
| HL Assurance | Home Protect360 Gold (S$200,000 contents; annual, 12 monthly premiums) | S$254.34 | S$350.00 | 8 Oct 2026 |
| ERGO | 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 |
| Allianz | Home Protect Platinum (S$100,000 contents, S$150,000 renovations) | S$273.59 | S$100.00 | 12 Oct 2026 |
| Chubb | DBS myHome Protect II Ultimate (underwritten by Chubb) | S$296.44 | S$0.00 | 15 Oct 2026 |
| Liberty | Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum) | S$327.00 | S$0.00 | 9 Oct 2026 |
| Liberty | 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 Assurance | Home Protect360 Platinum (S$300,000 contents; annual, 12 monthly premiums) | S$356.10 | S$350.00 | 8 Oct 2026 |
| Great American | Great Home Insurance Ultimate (your contents sum, S$200,000 renovations) | S$381.50 (estimate) | Not published | 17 Oct 2026 |
| Lonpac | Home Protection, contents cover (owner occupied; free S$1m family liability and family PA) | S$381.50 | S$100.00 | 11 Oct 2026 |
| India International | i-Home (your contents sum, plus fixtures and renovations S$50,000) | S$389.68 | S$0.00 | 10 Oct 2026 |
| Great Eastern | Superior | S$421.84 | S$100.00 | 17 Oct 2026 |
| Great Eastern | 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.

Get your own quote with these answers filled in: https://shentonbrokers.com/quote/home?occupancy=owner&propertyType=hdb&contentsSum=100000

You finish buying on the insurer's own site; the insurer takes payment and issues the policy.

Web page: https://shentonbrokers.com/prices/home/hdb-owner-100k