Home insurance in Singapore
Compare plans from licensed insurers and get an instant quote for your HDB flat, condo or landed property.
General insurance broker licensed by the Monetary Authority of Singapore
What is home insurance?
Home insurance helps cover the cost of repairing or rebuilding your home, and replacing your belongings, if they're damaged by things like fire, theft or water damage. Many plans also cover your legal liability if someone is injured in your home, or if you accidentally damage a neighbour's property.
InsuranceMarket compares home insurance plans from licensed Singapore insurers so you can see real prices and benefits side by side, and buy online.
Key points
- Home insurance covers your belongings (contents), your renovations and, if you choose, the building — plus your personal liability.
- It's available for HDB flats, condos and landed homes, whether you own or rent.
- Tenants insure their own contents; owners can also cover renovations and the building.
- It isn't compulsory in Singapore, but a bank may require it for a home loan.
Anyone who owns or rents a home in Singapore — HDB flat, condo or landed property — and wants protection for the building, their belongings, or both.
Good to know
HDB, condo & landed
Tell us your property type, and whether you want to insure the building, its contents, or both, when you apply.
1 year
Home insurance policies typically run for a year at a time, renewable annually.
Often separate
Building cover protects the structure itself; contents cover protects your belongings inside it. Check which one — or both — a plan includes.
How home insurance works
Tell us about your home
Property type, and whether you're covering the building, contents, or both.
Compare real plans
See prices and benefits from licensed insurers, side by side.
Buy online
Choose a plan and pay securely by card.
Available plans
9 plans from 3 licensed insurers. Your exact price depends on your own details — get a quote to see it.
HomeGUARD
HomeGUARD
HomeGUARD
HomeCare
HomeCare
HomeCare
Enhanced HomePlus
Enhanced HomePlus
Enhanced HomePlus
Compare coverage
Every benefit below comes straight from each plan's current terms.
| Coverage | EQ Essential | EQ Deluxe | EQ Superior | LIBERTY Plan A | LIBERTY Plan B | LIBERTY Plan C | MSIG Standard | MSIG Superior | MSIG Ultimate |
|---|---|---|---|---|---|---|---|---|---|
| Home Contents | |||||||||
| Home Contents Sum Insured | $25,000 | $50,000 | $100,000 | $15,000 | $40,000 | $50,000 | $50,000 | $80,000 | $120,000 Highest |
| Contents Basis of Cover | Insured perils; full value | Insured perils; full value | Insured perils; full value | All risks; first loss | All risks; first loss | All risks; first loss | Insured perils; full value | Insured perils; full value | Insured perils; full value |
| Unspecified Valuables (per item) | $1,000 | $1,000 | $1,000 | $15,000 | $40,000 | $50,000 Highest | $1,500 | $1,500 | $1,500 |
| Portable Electronic Devices | Not covered | Not covered | Not covered | $5,000 | $5,000 | $5,000 | Not covered | Not covered | Not covered |
| Contents in Transit | $5,000 Highest | $5,000 Highest | $5,000 Highest | $5,000 Highest | $5,000 Highest | $5,000 Highest | $500 | $500 | $500 |
| Title Deeds | $1,500 | $1,500 | $1,500 | $1,500 | $1,500 | $1,500 | Not covered | Not covered | Not covered |
| Domestic Helper's Property | $500 | $500 | $500 | $500 | $500 | $500 | Not covered | Not covered | Not covered |
| Visitor's Personal Effects | $500 | $500 | $500 | $500 | $500 | $500 | Not covered | Not covered | Not covered |
| Loss of Money, ATM & Credit Cards | $500 | $500 | $500 | $500 | $500 | $500 | $500 | $750 Highest | $750 Highest |
| Food and Drinks | $500 | $500 | $500 | $500 | $500 | $500 | $500 | $750 Highest | $750 Highest |
| Professional Movers | Up to contents sum insured | Up to contents sum insured | Up to contents sum insured | $15,000 | $40,000 | $50,000 | Not covered | Not covered | Not covered |
| Identity Fraud | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered |
| Renovations & Building | |||||||||
| Renovations Sum Insured | $25,000 | $50,000 | $100,000 | $50,000 | $100,000 | $200,000 Highest | $75,000 | $115,000 | $150,000 |
| Building Sum Insured | Not covered | Not covered | Not covered | Included in renovations sum insured | Included in renovations sum insured | Included in renovations sum insured | Not covered | Not covered | Not covered |
| Renovations Basis of Cover | Insured perils; full value | Insured perils; full value | Insured perils; full value | Insured perils; first loss | First loss | First loss | Insured perils; full value | Insured perils; full value | Insured perils; full value |
| Awnings, Blinds & Signs | $3,000 | $3,000 | $3,000 | $3,000 | $3,000 | $3,000 | Not covered | Not covered | Not covered |
| Replacement of Locks & Keys | $500 | $500 | $500 | $500 | $500 | $500 | $500 | $750 Highest | $750 Highest |
| Security Systems | $500 | $500 | $500 | $500 | $500 | $500 | $500 | $750 Highest | $750 Highest |
| Fire Extinguishing Expenses | $5,000 | $10,000 | $20,000 Highest | $5,000 | $10,000 | $20,000 Highest | $2,000 | $3,000 | $3,000 |
| Alternative Accommodation / Loss of Rent | $5,000 | $10,000 | $20,000 | $5,000 | $10,000 | $20,000 | Up to 10% of contents & renovations sum insured | Up to 10% of contents & renovations sum insured | Up to 10% of contents & renovations sum insured |
| Professional Fees | $5,000 | $10,000 | $20,000 Highest | $5,000 | $10,000 | $20,000 Highest | Not covered | Not covered | Not covered |
| Removal of Debris | $5,000 | $10,000 | $20,000 | $2,500 | $5,000 | $10,000 | Up to 5% of contents & renovations sum insured | Up to 5% of contents & renovations sum insured | Up to 5% of contents & renovations sum insured |
| Fixed Glass & Mirrors | Up to sum insured | Up to sum insured | Up to sum insured | Up to renovations sum insured | Up to renovations sum insured | Up to renovations sum insured | $1,000 | $1,500 | $1,500 |
| Conservancy Charges | $1,000 Highest | $1,000 Highest | $1,000 Highest | $1,000 Highest | $1,000 Highest | $1,000 Highest | $500 | $750 | $750 |
| Capital Additions (Building) | 10% of total sum insured | 10% of total sum insured | 10% of total sum insured | $5,000 | $10,000 | $20,000 | Not covered | Not covered | Not covered |
| Loss of Rent (Building) | 10% of each section's sum insured | 10% of each section's sum insured | 10% of each section's sum insured | $5,000 | $10,000 | $20,000 | Not covered | Not covered | Not covered |
| Public Authorities' Requirements | 10% of building sum insured | 10% of building sum insured | 10% of building sum insured | $50,000 | $100,000 | $200,000 | Not covered | Not covered | Not covered |
| Restoration Costs (Building) | Not covered | Not covered | Not covered | $50,000 | $100,000 | $200,000 | Not covered | Not covered | Not covered |
| Professional Fees (Building) | 10% of each section's sum insured | 10% of each section's sum insured | 10% of each section's sum insured | $5,000 | $10,000 | $20,000 | Not covered | Not covered | Not covered |
| Removal of Debris (Building) | 10% of each section's sum insured | 10% of each section's sum insured | 10% of each section's sum insured | $2,500 | $5,000 | $10,000 | Not covered | Not covered | Not covered |
| Liability & Personal Accident | |||||||||
| Family Personal Liability | $500,000 | $750,000 | $1,000,000 Highest | $500,000 | $500,000 | $500,000 | $1,000,000 Highest | $1,000,000 Highest | $1,000,000 Highest |
| Personal Accident (Accidental Death) | $50,000 Highest | $50,000 Highest | $50,000 Highest | $50,000 Highest | $50,000 Highest | $50,000 Highest | $20,000 | $30,000 | $30,000 |
| Hospital Cash (Personal Accident) | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered | $4,500 | $6,750 Highest | $6,750 Highest |
| 24 Hour Emergency Home Assistance | |||||||||
| Locksmith Assistance | Covered | Covered | Covered | $100 | $100 | $100 | Covered | Covered | Covered |
| Plumbing Assistance | Covered | Covered | Covered | $100 | $100 | $100 | Covered | Covered | Covered |
| Other Emergency Services | Electrical, air-con & pest control | Electrical, air-con & pest control | Electrical, air-con & pest control | Electrical, air-con & pest control ($100 each) | Electrical, air-con & pest control ($100 each) | Electrical, air-con & pest control ($100 each) | Electrical | Electrical | Electrical |
| Other Benefits | |||||||||
| Pet Dog (Accidental Death) | $500 | $500 | $500 | $500 | $500 | $500 | $500 | $750 Highest | $750 Highest |
| Worldwide Personal Effects | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered |
Three things people commonly get wrong
Building cover and contents cover are often sold separately, or as add-ons — check a plan actually covers what you need before you buy.
Home insurance isn't a legal requirement in Singapore, but your bank may require it if you have a mortgage — check your loan conditions.
Pre-existing damage and normal wear and tear are commonly excluded from cover — check what's included on the plans available to you.
Home insurance helps cover the cost of repairing or rebuilding your home, and replacing your belongings, if they're damaged by things like fire, theft or water damage. Many plans also cover your legal liability if someone is injured in your home.
No, it isn't a legal requirement. That said, banks commonly require it as a condition of a home loan, so check your mortgage terms if you have one.
Building cover protects the physical structure of your home; contents cover protects your belongings inside it, like furniture and electronics. Some plans bundle both, others sell them separately — check what a plan includes.
Yes — tell us your property type when you apply, and we'll show you what's available.
It's optional, but your landlord's insurance doesn't cover your own belongings. As a tenant you can insure your contents and your personal liability; renovation and building cover are for owners.
No. If you have an HDB loan you're required to have HDB fire insurance, which covers the flat's structure against fire — not your renovations or belongings. Home insurance covers those, plus your personal liability.
Some plans let you raise your contents or renovations cover, or add building cover, for an extra premium — you'll see the options and their prices on each plan when you get your quote.
Pre-existing damage and normal wear and tear are commonly excluded, along with other exclusions that vary by plan — check the details before you buy.
Home insurance policies typically run for one year at a time, and are renewed annually.
Once you have a policy, claims are handled directly by your insurer, not by us — see our Claims page for how that generally works.
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