HDB's compulsory fire insurance does not pay for your renovation or belongings. We read the October 2026 prices, codes and end dates of seven home insurers on their own websites on 2 October.
Your HDB fire insurance stops at the walls HDB built, so a burst pipe, a kitchen fire or a break-in leaves your renovation and belongings unpaid.
> Quick view: cheapest is Tiq by Etiqa from $25.17 a year (code TIQHOME25PLUS, to 31 Oct); most plans run $30-$240 a year; the catch is that most October discounts end 31 October, and Income's 30% needs a 3- or 5-year plan.
Tiq is Etiqa's online-only arm, and its October banner prices a 1-year plan for a 1-room flat (with $15,000 contents and $20,000 renovation cover) at $25.17 after 25% off. Tiq Home covers HDB flats, condos and landed homes for owners, landlords and tenants: HDB building cover runs $37,900-$176,700, renovation $20,000-$180,000 and contents $15,000-$120,000, with $500,000 personal legal liability ($1,000,000 for condos and landed). The 3- and 5-year plans add emergency home assistance of $200 up to four times a year, and there is an optional $25,000 personal cyber add-on. Buy online at tiq.com.sg; the policy is underwritten by Etiqa Insurance.
25% off Tiq Home with code TIQHOME25PLUS, plus $30 cashback on premiums of $150-$250.99, $50 on $251-$400 and $70 above $400 (after GST and discount), paid as TiqConnect eWallet credit within 90 days. Online only, 1-31 Oct 2026; not for policies renewed or cancelled with Etiqa in the last 14 days.
Code: TIQHOME25PLUS
Valid till 31 Oct 2026
Income's Enhanced Home Insurance is a flexible plan where you pick your own building, renovation and contents sums, with a minimum premium of $35 a year. Its standout is family worldwide liability of up to $5,000,000, including a $500,000 sub-limit if you are a tenant who damages your landlord's property. It adds family personal accident cover of $50,000 ($20,000 per adult, $10,000 per child), extra hotel costs of up to $350 a day if your home becomes uninhabitable, and 24/7 emergency home assistance four times a year. Watch the contents sub-limits: $500 per phone and $1,500 per laptop or computer. Buy online at income.com.sg.
30% off your first 3-year premium with code 3YHOME30 or your first 5-year premium with code 5YHOME30. Promotion runs 14 Aug-31 Dec 2026; 1-year plans are not included.
Code: 3YHOME30
Valid till 31 Dec 2026
MSIG publishes its full price list: Enhanced HomePlus costs $120.99 (Standard), $179.85 (Superior) or $237.62 (Ultimate) a year including GST, or from about $97 after the October discount. It offers up to $270,000 of combined contents and renovation cover and up to $1,000,000 of worldwide personal legal liability, with building cover for landed and strata homes at $4.36 per $10,000 insured (minimum $50,000). An excess of $100 applies to flood, storm and leaking-pipe claims. If you want something lighter, MSIG's Home Easy covers HDB flats, condos and apartments with up to $200,000 contents and renovation cover and up to $2,500 for online shopping scams.
Enhanced HomePlus: 20% off plus up to $70 in e-vouchers. Home Easy: 20% off plus up to $30 in e-vouchers. Both end 31 Oct 2026; T&Cs apply.
Valid till 31 Oct 2026
Singlife sells three tiers: Home Lite (fire, theft and 24/7 emergency home assistance), Home Standard (adds $50,000 household contents and reimbursement for cash stolen in a burglary) and Home Plus, the top tier with $100,000 contents cover and even cover for the loss of your pet, from $243.89 for a 1-year plan before discounts. You can top up contents or renovation cover by $10,000 at a time, up to $200,000 each. Claims are paid out by PayNow, and Singlife sells 3-year plans at 15% off as a standing discount.
20% off all plans with code HOME20 for new customers until 31 Oct 2026. MINDEF/MHA/POGIS insured members get an extra 10% (up to 28% off in total), and 3-year plans earn up to a $60 eCapitaVoucher for a limited time.
Code: HOME20
Valid till 31 Oct 2026
AIG's Homes Essential charges one fixed premium for every HDB flat and condo unit, so a 5-room flat pays the same as a studio and the premium does not rise if you upsize later. AIG puts it at $6.31 a month for up to $691,650 of total cover. It insures home contents against named perils and includes 24/7 HomeCare services for locksmith, electrical, plumbing, pest control and aircon emergencies, up to $150 each time, three times a year. Landlords and tenants can add liability cover. For all-risks contents cover, AIG's pricier Homes Advantage plan is the step up.
S$80 in gift vouchers when you take up a 5-year Homes Essential plan. Valid till 31 Dec 2026; T&Cs apply.
Valid till 31 Dec 2026
Home Protect360 is a high-cover plan priced by the month: $22.23, $38.89 or $54.45 a month before GST for $100,000, $200,000 or $300,000 of household contents, with valuables covered up to $5,000 (max $2,500 per article). It adds temporary storage, alternative accommodation for up to 30 days if your home is uninhabitable, and optional personal effects cover for items lost anywhere in Singapore. Policyholders also get a free home concierge hotline for electricians, locksmiths, plumbers, pest control and aircon repair. On 2 October the HL Assurance site showed a notice about technical difficulties with online purchases, so try again later or call if checkout fails.
$0 Up to 18 Months: on a 1-year plan you pay months 1-6 and months 7-12 are $0; on a 3-year plan you pay months 1-18 and months 19-36 are $0. New purchases on the HL Assurance website only, 28 Apr-31 Oct 2026; renewals are at the full premium.
Valid till 31 Oct 2026
FWD prices its plan from $30 a year for an HDB studio, and its online quote builder gives a price in a few clicks. Cover runs up to $100,000 for home contents and up to $100,000 for renovations, with up to $1,000 for broken mirrors and glass, four home assistance services a year (plumbing, aircon, locksmith and electrical, up to $100 each) and up to $1,000 of personal accident cover for your dog or cat. Landlords can add a rent protector that pays up to $3,000 a month if a tenant defaults. FWD's own site showed no home insurance promotion when we checked on 2 October, though its quote form has a promo code field.
Visit website| Insurer / plan | Published starting price | October 2026 offer | Code | Ends |
|---|---|---|---|---|
| Tiq by Etiqa (Tiq Home) | $25.17/yr (1-room flat, after 25% off) | 25% off + $30-$70 cashback | TIQHOME25PLUS | 31 Oct 2026 |
| Income (Enhanced Home) | Min. premium $35/yr | 30% off 3- or 5-year plans | 3YHOME30 / 5YHOME30 | 31 Dec 2026 |
| MSIG (Enhanced HomePlus) | $120.99/yr (about $97 after discount) | 20% off + up to $70 e-vouchers | None needed | 31 Oct 2026 |
| Singlife (Home Plus) | $243.89/yr before discount | 20% off (28% for MINDEF/MHA) + up to $60 voucher on 3-year | HOME20 | 31 Oct 2026 |
| AIG (Homes Essential) | $6.31/month, any HDB/condo size | $80 gift vouchers on a 5-year plan | None needed | 31 Dec 2026 |
| HL Assurance (Home Protect360) | $22.23/month before GST | Pay 6 of 12 months, or 18 of 36 | None needed | 31 Oct 2026 |
| FWD | $30/yr (HDB studio) | None on fwd.com.sg | - | - |
Every price, code and end date above was read on each insurer's own website on 2 October 2026, and the Tiq and HL Assurance offers were checked against their published terms and conditions PDFs. Tiq's promo page still carries an old "ends 30 April" countdown, but its T&Cs (version dated 1 October 2026) set the campaign at 1-31 October. Comparison portals were also advertising a FWD home code, but FWD's own site did not show it, so we left it out. Allianz and DirectAsia blocked our checks and are not ranked.
No. Only HDB fire insurance is compulsory for HDB flats with an HDB loan, and it covers the building structure and HDB's original fittings only. Home contents insurance for your renovation, furniture and belongings is optional but cheap, from about $25-$35 a year for a small flat.
On 2 October 2026 the lowest published price was Tiq by Etiqa at $25.17 a year for a 1-room flat after 25% off with code TIQHOME25PLUS (to 31 Oct). FWD starts at $30 a year for an HDB studio and Income's flexible plan has a $35 minimum premium. AIG charges a flat $6.31 a month regardless of home size.
TIQHOME25PLUS (Tiq by Etiqa, 25% off plus up to $70 cashback, to 31 Oct), HOME20 (Singlife, 20% off for new customers, to 31 Oct), and 3YHOME30 or 5YHOME30 (Income, 30% off 3- or 5-year plans, to 31 Dec). MSIG, AIG and HL Assurance apply their offers without a code.
Yes. Tiq, MSIG Home Easy and FWD sell plans to tenants, and Income's Enhanced Home Insurance includes up to $500,000 of liability if a tenant accidentally damages the landlord's property. Tenants usually only need contents and liability cover, not building or renovation.
