Home Insurance Comparison
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| Insurance Provider | Annual Premium | Building Coverage | Contents Coverage | Liability Coverage | Emergency Assistance | Promotion | |
|---|---|---|---|---|---|---|---|
 Chubb ★★★★★ | $188/year | S$500,000 | S$50,000 | S$500,000 | Yes | Free home security assessment | Get Quote |
 Liberty ★★★★★ | $198/year | S$600,000 | S$60,000 | S$1,000,000 | Yes | First 2 months free | Get Quote |
 FWD ★★★★★ | $178/year | S$450,000 | S$45,000 | S$500,000 | Yes | S$50 shopping voucher | Get Quote |
 HL ★★★★★ | $168/year | S$400,000 | S$40,000 | S$500,000 | Yes | Mobile app claims | Get Quote |
 Tokio Marine ★★★★★ | $158/year | S$350,000 | S$35,000 | S$500,000 | Yes | Instant approval | Get Quote |
Detailed Insurance Comparison
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Find the best home insurance plan for your needs. Compare coverage, benefits, and prices from top insurers in Singapore.
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Recommended
AIG ★★★★★ $188/year For HDB flat | NTUC Income ★★★★★ $198/year For HDB flat | Great Eastern ★★★★★ $178/year For HDB flat | |
|---|---|---|---|
| Building Coverage Coverage for building structure | S$500,000 | S$600,000 | S$450,000 |
| Contents Coverage Coverage for household contents | S$50,000 | S$60,000 | S$45,000 |
| Liability Coverage Personal liability protection | S$500,000 | S$1,000,000 | S$500,000 |
| Emergency Assistance 24/7 emergency home assistance | ✓ | ✓ | ✓ |
| Alternative Accommodation Coverage for temporary accommodation | S$15,000 | S$20,000 | S$12,000 |
| Renovation Coverage Coverage for renovation works | ✓ | ✓ | ✓ |
| Valuables Protection Coverage for valuable items | S$5,000 | S$7,500 | S$4,500 |
| Lock Replacement Coverage for lock replacement | ✓ | ✓ | ✓ |
| Natural Disaster Coverage for natural disasters | ✓ | ✓ | ✓ |
| Pet Damage Coverage for pet-related damage | ✓ | ✗ | ✗ |
| Promotions |
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| Get Quote | Get Quote | Get Quote |
How to Choose House Insurance
- ✓ Calculate your property's total value
- ✓ Consider renovation and contents coverage
- ✓ Check natural disaster protection
- ✓ Review liability coverage limits
- ✓ Compare emergency assistance services
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Frequently Asked Questions
What does home insurance cover in Singapore?
Home insurance in Singapore typically covers damage to building structure, renovation works, household contents, and personal belongings against risks like fire, theft, natural disasters, and accidents. It also includes personal liability coverage and sometimes temporary accommodation costs.
Is home insurance mandatory in Singapore?
Home insurance is mandatory for HDB flat owners with a mortgage loan, as required by HDB and banks. For private property owners, it's usually required by banks for mortgaged properties. Even without a loan, home insurance is highly recommended for protection.
How much home insurance coverage do I need?
Coverage should be based on your property's reconstruction cost, renovation value, and contents value. For HDB flats, the minimum fire insurance is required, but comprehensive coverage is recommended. Consider factors like property type, furnishing value, and valuable items.
What's the difference between HDB fire insurance and home insurance?
HDB fire insurance only covers the building structure against fire damage. Home insurance provides comprehensive coverage including renovation, contents, personal belongings, and liability protection. It's recommended to have both for complete protection.
How do I make a claim on my home insurance?
To claim, document the damage with photos and receipts, file a police report if necessary, and contact your insurer immediately. Most insurers have online claim portals or mobile apps for submission. Keep all original documents and follow the insurer's specific claim procedures.
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