Home insurance
Home insurance for an HDB flat owner, S$15,000 contents: compare insurers and buy online
HDB flat, owner, S$15,000 contents
As of 12 Nov 2026 (Singapore time)
Compare home insurance for the owner of an HDB flat with S$15,000 of belongings from 20 insurers on this page: S$35.97 to S$401.94 a year, GST included. Every plan has a Buy Now link.
On 12 Nov 2026, the cheapest home insurance for the owner of an HDB flat with S$15,000 of belongings is S$35.97 a year (GST included) at Income, Enhanced Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat; contents and S$60,000 renovations) (as at 20 Oct 2026); 20 insurers price it online, up to S$401.94 (as at 12 Oct 2026).
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/prices/home/hdb-owner-15k
Home insurance promotions today: HL Assurance, 6 months free; Etiqa, 25% off; Sompo, 25% off. Prices shown include discounts from featured insurers; other insurers are shown at full price with no discount.
In short
- Income is cheapest for these answers today, at S$35.97 for its Enhanced Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat; contents and S$60,000 renovations) plan.
- 20 insurers price it; the dearest of them, India International, asks at least S$128.08, S$92.11 more.
- Of the changes below, the one that costs most is "S$30,000 of belongings": the lowest price becomes S$43.10.
What we assumed
- HDB flat, owner-occupied
- S$15,000 contents
- No claims in 3 years
Prices today
| Insurer | Plan | Premium | Excess | As at |
|---|---|---|---|---|
| IncomeEnhanced Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat; contents and S$60,000 renovations)Buy Now | Enhanced Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat; contents and S$60,000 renovations) | S$35.97 | S$0.00 | 20 Oct 2026 |
| IncomeEnhanced Home Insurance, HDB flat (building and S$60,000 renovations included)Buy Now | Enhanced Home Insurance, HDB flat (building and S$60,000 renovations included) | S$46.30 | S$0.00 | 20 Oct 2026 |
| ERGOERGO HomeSecure Custom (contents only, no building or renovation cover)Buy Now | ERGO HomeSecure Custom (contents only, no building or renovation cover) | S$53.41 | S$100.00 | 20 Oct 2026 |
| SompoHomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000)Buy Now | HomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000) | S$54.50 | S$0.00 | 9 Oct 2026 |
| MSIGHomeEasy Silver (owner or landlord)Buy Now | HomeEasy Silver (owner or landlord) | S$0.00 | 11 Oct 2026 | |
| FWDFWD Home Insurance, HDB flat (renovations S$20,000 and the S$82,000 building included; 3/4-room pricing)Buy Now | FWD Home Insurance, HDB flat (renovations S$20,000 and the S$82,000 building included; 3/4-room pricing) | S$61.42 | S$0.00 | 15 Oct 2026 |
| EQ InsuranceEQ HomeGUARD PLUS EssentialBuy Now | EQ HomeGUARD PLUS Essential | S$65.40 | S$100.00 | 5 Oct 2026 |
| EtiqaTiq Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat)Buy Now | 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)Buy Now | Tiq Home Insurance (HDB, owner) | S$0.00 | 19 Oct 2026 | |
| Great EasternValueBuy Now | Value | S$74.12 | S$100.00 | 17 Oct 2026 |
| AIGHomes Essential (HDB and condominium only)Buy Now | 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)Buy Now | UniHome Insurance, HDB flat (contents only, no renovation cover, no building cover) | S$75.76 | S$100.00 | 11 Oct 2026 |
| LibertyLiberty HomeCare Plan ABuy Now | Liberty HomeCare Plan A | S$76.30 | S$100.00 | 9 Oct 2026 |
| SompoHomeMax for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000)Buy Now | HomeMax for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000) | S$100.00 | 9 Oct 2026 | |
| SinglifeHome Lite (S$35,000 contents)Buy Now | Home Lite (S$35,000 contents) | S$81.21 | S$0.00 | 5 Oct 2026 |
| ERGOERGO HomeSecure Custom (contents only, no building or renovation cover) with personal liability raised to S$1,000,000Buy Now | ERGO HomeSecure Custom (contents only, no building or renovation cover) with personal liability raised to S$1,000,000 | S$82.62 | S$100.00 | 20 Oct 2026 |
| UOIUniHome Insurance, HDB flat (your contents sum, renovations S$50,000, no building cover)Buy Now | UniHome Insurance, HDB flat (your contents sum, renovations S$50,000, no building cover) | S$85.57 | S$100.00 | 11 Oct 2026 |
| MSIGEnhanced HomePlus StandardBuy Now | Enhanced HomePlus Standard | S$0.00 | 11 Oct 2026 | |
| ERGOERGO HomeSecure Smart or Enhanced (plan by property type and contents sum)Buy Now | ERGO HomeSecure Smart or Enhanced (plan by property type and contents sum) | S$96.90 | S$100.00 | 20 Oct 2026 |
| AllianzHome Protect Silver (S$40,000 contents, S$60,000 renovations)Buy Now | Home Protect Silver (S$40,000 contents, S$60,000 renovations) | S$98.10 | S$100.00 | 12 Oct 2026 |
| ECICSHome Contents Insurance for owners (1-year; S$30,000 renovations; 4-room or larger unit)Buy Now | Home Contents Insurance for owners (1-year; S$30,000 renovations; 4-room or larger unit) | S$99.19 | S$0.00 | 9 Oct 2026 |
| MSIGHomeEasy Gold (owner or landlord)Buy Now | HomeEasy Gold (owner or landlord) | S$0.00 | 11 Oct 2026 | |
| IncomeHome Ultimate Protect, HDB flat, without building cover (all risks; for owners whose HDB fire insurance covers the flat; contents and S$60,000 renovations)Buy Now | Home Ultimate Protect, HDB flat, without building cover (all risks; for owners whose HDB fire insurance covers the flat; contents and S$60,000 renovations) | S$109.00 | S$100.00 | 20 Oct 2026 |
| QBEHome Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000)Buy Now | Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000) | S$109.00 | S$100.00 | 11 Oct 2026 |
| EQ InsuranceEQ HomeGUARD PLUS DeluxeBuy Now | EQ HomeGUARD PLUS Deluxe | S$109.00 | S$100.00 | 5 Oct 2026 |
| LonpacHome Protection, contents cover (owner occupied; free S$1m family liability and family PA)Buy Now | Home Protection, contents cover (owner occupied; free S$1m family liability and family PA) | S$109.00 | S$100.00 | 11 Oct 2026 |
| IncomeHome Ultimate Protect, HDB flat (all risks; building and S$60,000 renovations included)Buy Now | Home Ultimate Protect, HDB flat (all risks; building and S$60,000 renovations included) | S$113.36 | S$100.00 | 20 Oct 2026 |
| Great AmericanGreat Home Insurance Standard (S$30,000 contents)Buy Now | Great Home Insurance Standard (S$30,000 contents) | S$119.90 | Not published | 17 Oct 2026 |
| HL AssuranceHome ProtectLite (annual)Buy Now | Home ProtectLite (annual) | S$121.11 | S$0.00 | 8 Oct 2026 |
| ChubbDBS myHome Protect II Classic (underwritten by Chubb)Buy Now | DBS myHome Protect II Classic (underwritten by Chubb) | S$122.12 | S$0.00 | 15 Oct 2026 |
| India Internationali-Home (your contents sum, plus fixtures and renovations S$50,000)Buy Now | i-Home (your contents sum, plus fixtures and renovations S$50,000) | S$128.08 | S$0.00 | 10 Oct 2026 |
| LibertyLiberty HomeCare Plan BBuy Now | Liberty HomeCare Plan B | S$130.80 | S$100.00 | 9 Oct 2026 |
| ERGOERGO HomeSecure Smart or Enhanced with personal liability raised to S$1,000,000 (plan by property type and contents sum)Buy Now | ERGO HomeSecure Smart or Enhanced with personal liability raised to S$1,000,000 (plan by property type and contents sum) | S$135.05 | S$100.00 | 20 Oct 2026 |
| SinglifeHome Standard (S$50,000 contents)Buy Now | Home Standard (S$50,000 contents) | S$139.12 | S$0.00 | 5 Oct 2026 |
| MSIGEnhanced HomePlus SuperiorBuy Now | Enhanced HomePlus Superior | S$0.00 | 11 Oct 2026 | |
| HL AssuranceHome Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums)Buy Now | Home Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums) | S$350.00 | 8 Oct 2026 | |
| Great AmericanGreat Home Insurance Ultimate (your contents sum, S$200,000 renovations)Buy Now | Great Home Insurance Ultimate (your contents sum, S$200,000 renovations) | S$149.88 | Not published | 17 Oct 2026 |
| AllianzHome Protect Gold (S$60,000 contents, S$90,000 renovations)Buy Now | Home Protect Gold (S$60,000 contents, S$90,000 renovations) | S$153.69 | S$100.00 | 12 Oct 2026 |
| ERGOERGO HomeSecure Custom (contents only, no building or renovation cover) with personal liability raised to S$2,000,000Buy Now | ERGO HomeSecure Custom (contents only, no building or renovation cover) with personal liability raised to S$2,000,000 | S$158.92 | S$100.00 | 20 Oct 2026 |
| EQ InsuranceEQ HomeGUARD PLUS SuperiorBuy Now | EQ HomeGUARD PLUS Superior | S$163.50 | S$100.00 | 5 Oct 2026 |
| Great EasternSuperiorBuy Now | Superior | S$176.59 | S$100.00 | 17 Oct 2026 |
| MSIGEnhanced HomePlus UltimateBuy Now | Enhanced HomePlus Ultimate | S$0.00 | 11 Oct 2026 | |
| LibertyLiberty HomeCare Plan CBuy Now | Liberty HomeCare Plan C | S$196.20 | S$100.00 | 9 Oct 2026 |
| Great AmericanGreat Home Insurance Classic (S$50,000 contents)Buy Now | Great Home Insurance Classic (S$50,000 contents) | S$201.65 | Not published | 17 Oct 2026 |
| AIGHomes Advantage Package Classic (contents S$20,000, building S$85,000)Buy Now | Homes Advantage Package Classic (contents S$20,000, building S$85,000) | S$203.56 | S$100.00 | 12 Oct 2026 |
| ERGOERGO HomeSecure Smart or Enhanced with personal liability raised to S$2,000,000 (plan by property type and contents sum)Buy Now | ERGO HomeSecure Smart or Enhanced with personal liability raised to S$2,000,000 (plan by property type and contents sum) | S$211.35 | S$100.00 | 20 Oct 2026 |
| LibertyLiberty HomeCare Top-up Plan with personal liability raised to S$1,000,000 (Plan C's S$50,000 contents, topped up to your sum above that)Buy Now | Liberty HomeCare Top-up Plan with personal liability raised to S$1,000,000 (Plan C's S$50,000 contents, topped up to your sum above that) | S$223.45 | S$100.00 | 9 Oct 2026 |
| ChubbDBS myHome Protect II Premium (underwritten by Chubb)Buy Now | DBS myHome Protect II Premium (underwritten by Chubb) | S$226.76 | S$0.00 | 15 Oct 2026 |
| SinglifeHome Plus (S$100,000 contents)Buy Now | Home Plus (S$100,000 contents) | S$243.89 | S$0.00 | 5 Oct 2026 |
| HL AssuranceHome Protect360 Gold (S$200,000 contents; annual, 12 monthly premiums)Buy Now | Home Protect360 Gold (S$200,000 contents; annual, 12 monthly premiums) | S$350.00 | 8 Oct 2026 | |
| Great AmericanGreat Home Insurance Elite (S$60,000 contents)Buy Now | Great Home Insurance Elite (S$60,000 contents) | S$272.50 | Not published | 17 Oct 2026 |
| AllianzHome Protect Platinum (S$100,000 contents, S$150,000 renovations)Buy Now | Home Protect Platinum (S$100,000 contents, S$150,000 renovations) | S$273.59 | S$100.00 | 12 Oct 2026 |
| AIGHomes Advantage Package Superior (contents S$35,000, building S$135,000)Buy Now | Homes Advantage Package Superior (contents S$35,000, building S$135,000) | S$290.76 | S$100.00 | 12 Oct 2026 |
| ChubbDBS myHome Protect II Ultimate (underwritten by Chubb)Buy Now | DBS myHome Protect II Ultimate (underwritten by Chubb) | S$296.44 | S$0.00 | 15 Oct 2026 |
| HL AssuranceHome Protect360 Platinum (S$300,000 contents; annual, 12 monthly premiums)Buy Now | Home Protect360 Platinum (S$300,000 contents; annual, 12 monthly premiums) | S$350.00 | 8 Oct 2026 | |
| Great EasternPremierBuy Now | Premier | S$381.50 | S$100.00 | 17 Oct 2026 |
| AIGHomes Advantage Package Premier (contents S$50,000, building S$225,000)Buy Now | Homes Advantage Package Premier (contents S$50,000, building S$225,000) | S$401.94 | S$100.00 | 12 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.
Buy Now addresses
- Income, Enhanced Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat; contents and S$60,000 renovations): https://shentonbrokers.com/go/buy/home/income/hdb-owner-no-building?occupancy=owner&propertyType=hdb&contentsSum=15000
- Sompo, HomeVital for HDB owners (your contents sum, plus renovations S$40,000 and building S$100,000): https://www.sompo.com.sg/products/home/quotation/GetQuote?p=STI33804
- MSIG, HomeEasy Silver (owner or landlord): https://shentonbrokers.com/go/msig/home-homeeasy
- Etiqa, Tiq Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat): https://www.tiq.com.sg/buy-online/home-insurance/quotation/?referral=A501895
- AIG, Homes Essential (HDB and condominium only): https://www.aig.sg/home/solutions/personal/home-insurance/homes-essential?pc=030303
- Liberty, Liberty HomeCare Plan A: https://shentonbrokers.com/go/buy/home/liberty/plan-a?occupancy=owner&propertyType=hdb&contentsSum=15000
- ERGO, ERGO HomeSecure Smart or Enhanced (plan by property type and contents sum): https://shentonbrokers.com/go/buy/home/ergo/homesecure?occupancy=owner&propertyType=hdb&contentsSum=15000
- QBE, Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000): https://sg-customer.qbe.com/home/partner/01001305
- Great American, Great Home Insurance Standard (S$30,000 contents): https://shentonbrokers.com/go/buy/home/great-american/standard?occupancy=owner&propertyType=hdb&contentsSum=15000
- HL Assurance, Home ProtectLite (annual): https://app.hlas.com.sg/redirect?source=agent&sac=SI000001&mwc=SIB&referrer=a/a/vivien
How the price changes
The lowest price today when one answer changes. Every other answer stays as above.
| Change | Lowest price | Against this page | Insurers |
|---|---|---|---|
| A tenant instead of an owner | S$35.97Buy NowIncome | the same | 20 |
| S$30,000 of belongings | S$43.10Buy NowIncome | S$7.13 more | 20 |
Insurers with no online price for this example
Every insurer we compare that prices home insurance online gives a price for this example.
Some insurers give prices only through their agents; they are on our insurer list.
Open the quote form with these answers filled in, then change anything that is different for you.
Get your own quotePrices for other answers, as plain text: change any answer in https://shentonbrokers.com/quote/home/prices?occupancy=owner&propertyType=hdb&contentsSum=15000
Home insurance price by home and cover for belongings
The lowest yearly price today for each home and sum of belongings, GST included, and the insurer that offers it, for a home with no claims in the last three years. An owner's plan also covers renovations, fixtures and fittings; a tenant's covers belongings and liability only (the landlord insures the building). The number of rooms does not change the price at any insurer we compare. Open a price for every insurer's price for that home, with each plan's renovation and liability cover.
| Home | S$15,000 of belongings | S$30,000 of belongings | S$60,000 of belongings | S$100,000 of belongings |
|---|---|---|---|---|
| HDB flat, owner | S$35.97Buy NowIncome | S$43.10Buy NowIncome | S$67.85Buy NowSompo | S$75.76Buy NowAIG |
| HDB flat, tenant | S$35.97Buy NowIncome | S$43.10Buy NowIncome | S$54.50Buy NowSompo | S$75.76Buy NowAIG |
| Condo, owner | S$54.50Buy NowSompo | S$54.50Buy NowSompo | S$73.58Buy NowSompo | S$75.76Buy NowAIG |
| Condo, tenant | S$43.60Buy NowMSIG | S$43.60Buy NowMSIG | S$58.86Buy NowSompo | S$75.76Buy NowAIG |
| Landed house, owner | S$54.50Buy NowSompo | S$54.50Buy NowSompo | S$81.75Buy NowSompo | S$120.99Buy NowSompo |
| Landed house, tenant | S$54.50Buy NowSompo | S$54.50Buy NowSompo | S$58.86Buy NowSompo | S$98.10Buy NowSompo |
With at least S$100,000 of renovation cover (owners)
The lowest yearly price today for a plan that covers at least S$100,000 of renovations, fixtures and fittings (a plan that states one limit for belongings and renovations together counts that limit).
| Home | S$15,000 of belongings | S$30,000 of belongings | S$60,000 of belongings | S$100,000 of belongings |
|---|---|---|---|---|
| HDB flat, owner | S$75.76Buy NowAIG | S$75.76Buy NowAIG | S$75.76Buy NowAIG | S$75.76Buy NowAIG |
| Condo, owner | S$75.76Buy NowAIG | S$75.76Buy NowAIG | S$75.76Buy NowAIG | S$75.76Buy NowAIG |
| Landed house, owner | S$118.70Buy NowUOI | S$118.70Buy NowUOI | S$134.40Buy NowUOI | S$145.38Buy NowHL Assurance |
With at least S$1,000,000 of personal liability
The lowest yearly price today for a plan that covers at least S$1,000,000 of your legal liability to others (someone hurt in your home, water leaking into a neighbour's flat).
| Home | S$15,000 of belongings | S$30,000 of belongings | S$60,000 of belongings | S$100,000 of belongings |
|---|---|---|---|---|
| HDB flat, owner | S$35.97Buy NowIncome | S$43.10Buy NowIncome | S$71.22Buy NowIncome | S$108.72Buy NowIncome |
| HDB flat, tenant | S$35.97Buy NowIncome | S$43.10Buy NowIncome | S$70.20Buy NowMSIG | S$108.72Buy NowIncome |
| Condo, owner | S$54.50Buy NowSompo | S$58.42Buy NowMSIG | S$99.84Buy NowMSIG | S$126.33Buy NowUOI |
| Condo, tenant | S$43.60Buy NowMSIG | S$43.60Buy NowMSIG | S$70.20Buy NowMSIG | S$126.33Buy NowUOI |
| Landed house, owner | S$63.35Buy NowSompo | S$91.45Buy NowUOI | S$107.15Buy NowUOI | S$126.33Buy NowUOI |
| Landed house, tenant | S$54.50Buy NowSompo | S$61.31Buy NowSompo | S$107.15Buy NowUOI | S$126.33Buy NowUOI |
Buy with the Buy Now link beside each plan. The prices shown are only available through these links, which place your policy through Shenton Insurance Brokers. The insurer takes payment and issues the policy. This page is also available as markdown.
Questions people ask
How much is home insurance for a 4-room HDB flat?
S$67.85 a year, from Sompo: the lowest price, GST included, for the owner of an HDB flat insuring S$60,000 of belongings, of the 20 insurers we compare that price it online, on 12 Nov 2026. Assumed: no claims in the last three years; the number of rooms does not change the price. Every insurer's price is one link away in the table "Home insurance price by home and cover for belongings".
What is the cheapest home insurance for an HDB flat in Singapore?
S$43.10 a year, from Income: the lowest price, GST included, for the owner of an HDB flat insuring S$30,000 of belongings, of the 20 insurers we compare that price it online, on 12 Nov 2026. Assumed: no claims in the last three years; the number of rooms does not change the price. Every insurer's price is one link away in the table "Home insurance price by home and cover for belongings".
How much is home insurance for a new BTO flat with S$100,000 of renovation?
S$75.76 a year with at least S$100,000 of renovation cover, from AIG: the lowest price, GST included, for the owner of an HDB flat insuring S$60,000 of belongings, of the 20 insurers we compare that price it online, on 12 Nov 2026; without that cover, from S$67.85 (Sompo). Assumed: no claims in the last three years; the number of rooms does not change the price. Every insurer's price is one link away in the table "With at least S$100,000 of renovation cover (owners)".
How much is home insurance for someone renting an HDB flat?
S$35.97 a year, from Income: the lowest price, GST included, for a tenant in an HDB flat insuring S$15,000 of belongings, of the 20 insurers we compare that price it online, on 12 Nov 2026. Assumed: no claims in the last three years; the number of rooms does not change the price. Every insurer's price is one link away in the table "Home insurance price by home and cover for belongings".
How much is home insurance for a 5-room HDB flat with S$100,000 of belongings?
S$75.76 a year, from AIG: the lowest price, GST included, for the owner of an HDB flat insuring S$100,000 of belongings, of the 20 insurers we compare that price it online, on 12 Nov 2026. Assumed: no claims in the last three years; the number of rooms does not change the price. Every insurer's price is one link away in the table "Home insurance price by home and cover for belongings".
How much is home insurance for a condo?
S$73.58 a year, from Sompo: the lowest price, GST included, for the owner of a condo insuring S$60,000 of belongings, of the 20 insurers we compare that price it online, on 12 Nov 2026. Assumed: no claims in the last three years; the number of rooms does not change the price. Every insurer's price is one link away in the table "Home insurance price by home and cover for belongings".
How much is home insurance for a condo tenant?
S$43.60 a year, from MSIG: the lowest price, GST included, for a tenant in a condo insuring S$30,000 of belongings, of the 20 insurers we compare that price it online, on 12 Nov 2026. Assumed: no claims in the last three years; the number of rooms does not change the price. Every insurer's price is one link away in the table "Home insurance price by home and cover for belongings".
How much is condo home insurance with renovation cover?
S$75.76 a year with at least S$100,000 of renovation cover, from AIG: the lowest price, GST included, for the owner of a condo insuring S$100,000 of belongings, of the 20 insurers we compare that price it online, on 12 Nov 2026. Assumed: no claims in the last three years; the number of rooms does not change the price. Every insurer's price is one link away in the table "With at least S$100,000 of renovation cover (owners)".
How much is home insurance for a landed house?
S$120.99 a year, from Sompo: the lowest price, GST included, for the owner of a landed house insuring S$100,000 of belongings, of the 19 insurers we compare that price it online, on 12 Nov 2026. Assumed: no claims in the last three years; the number of rooms does not change the price. Every insurer's price is one link away in the table "Home insurance price by home and cover for belongings".
How much is home insurance for renting a landed house?
S$58.86 a year, from Sompo: the lowest price, GST included, for a tenant in a landed house insuring S$60,000 of belongings, of the 19 insurers we compare that price it online, on 12 Nov 2026. Assumed: no claims in the last three years; the number of rooms does not change the price. Every insurer's price is one link away in the table "Home insurance price by home and cover for belongings".
How much is home insurance with S$1 million personal liability?
S$71.22 a year with at least S$1,000,000 of personal liability, from Income: the lowest price, GST included, for the owner of an HDB flat insuring S$60,000 of belongings, of the 20 insurers we compare that price it online, on 12 Nov 2026; without that cover, from S$67.85 (Sompo). Assumed: no claims in the last three years; the number of rooms does not change the price. Every insurer's price is one link away in the table "With at least S$1,000,000 of personal liability".
How much is contents insurance for a tenant with S$15,000 of belongings?
S$43.60 a year, from MSIG: the lowest price, GST included, for a tenant in a condo insuring S$15,000 of belongings, of the 20 insurers we compare that price it online, on 12 Nov 2026. Assumed: no claims in the last three years; the number of rooms does not change the price. Every insurer's price is one link away in the table "Home insurance price by home and cover for belongings".
How much is the cheapest home contents insurance?
S$35.97 a year, from Income: the lowest price, GST included, for the owner of an HDB flat insuring S$15,000 of belongings, of the 20 insurers we compare that price it online, on 12 Nov 2026. Assumed: no claims in the last three years; the number of rooms does not change the price. Every insurer's price is one link away in the table "Home insurance price by home and cover for belongings".
How much is home insurance for a landed house with S$100,000 of renovation cover?
S$145.38 a year with at least S$100,000 of renovation cover, from HL Assurance: the lowest price, GST included, for the owner of a landed house insuring S$100,000 of belongings, of the 19 insurers we compare that price it online, on 12 Nov 2026; without that cover, from S$120.99 (Sompo). Assumed: no claims in the last three years; the number of rooms does not change the price. Every insurer's price is one link away in the table "With at least S$100,000 of renovation cover (owners)".
How much is home insurance for HDB flat, owner, S$15,000 contents?
Today, 20 insurers price this, from S$35.97 to S$401.94 (as at 12 Oct 2026). The cheapest is Income Enhanced Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat; contents and S$60,000 renovations) at S$35.97 (as at 20 Oct 2026). All prices include 9% GST.
What do these prices assume?
HDB flat, owner-occupied. S$15,000 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.