Insurance

Singapore Home & Contents Sum Insured Calculator

Choose owner or tenant mode and HDB, condominium/strata or landed property. The calculator counts building reconstruction only when you explicitly confirm responsibility, applies the verified GIA method for landed homes, totals your inventory and compares it neutrally with a confirmed existing sum insured without quoting or recommending insurance.

✓ Results shown free✓ Dated source references✓ General information only

GIA · HDB · BCA · IRAS guidance · methodology v1.0.0 · checked 4 Sep 2026

Profile values stay unselected until you choose them. Save-back offers aggregate property amounts only; named inventory categories and item-level possessions are never proposed for your profile.

Home and inventory assumptions

Enter replacement amounts you choose. Market value and purchase price do not belong in this calculation.

Home typePlanning mode

Building responsibility

Count a building amount only when you have confirmed it is your responsibility. Check HDB, MCST, owner, tenancy and policy records to avoid double counting.

Responsibility status

HDB says its fire scheme covers structures and fixtures provided by HDB, not furniture, renovations or personal belongings. Confirm your actual documents before including building cover.

Inventory replacement amounts

Use current replacement amounts, not resale values. Keep built-in building fixtures out of these categories if already counted above.

Renovations and non-building fixtures

Furniture

Appliances

Electronics

Clothing

Kitchen and household items

Personal belongings

Other user-entered categories

Category nameReplacement amount

Existing sum insured comparison

Confirmation status

The result shows arithmetic only. It never labels an amount underinsured, overinsured, suitable or unsuitable.

Optional replacement-cost sensitivity

Show a lower and higher inventory estimateAdjustment

Applies your chosen percentage evenly to entered replacement amounts and the landed unit cost.Profile review date (optional)

Calculated in your browser. Inputs leave your device only if you choose to save the calculation.

Home and contents planning estimate

Separate deterministic subtotals from your entered inventory

Waiting for your inventory

Separate the property layers before adding them up.

The result will show building, renovations, contents and personal belongings separately, plus a neutral comparison when an existing sum is confirmed.

Official context and method boundaryUsing the packaged last-known-good reference

Interest.sg adds only your entered amounts under the displayed method. It does not determine responsibility or policy coverage, quote premiums, assess claims, rank products, recommend a policy or judge whether a sum insured is adequate.

Source date: 2026-09-04
Reviewed: 2026-09-04
Next review: 2026-12-04

GIA — How to Estimate the Property Sum InsuredGeneral Insurance Association of Singapore · 2026-09-04
HDB — Fire Insurance ScopeHousing & Development Board · 2026-09-04
BCA — Building Maintenance (Strata Management) Regulations 2005, Part VBuilding and Construction Authority · 2026-09-04
IRAS — Current GST RatesInland Revenue Authority of Singapore · 2026-09-04

Open the Singapore home replacement-cost data page Open the home and contents insurance guide

Educational inventory and replacement-cost planning only. Verify building responsibility, policy definitions, limits, exclusions and current reconstruction costs with the responsible party, insurer or a qualified professional. No quote, claim estimate, adequacy judgment or recommendation is provided.

Clear outputs

What this tool will show

Each result stays connected to the inputs and rules used.

01Building/reconstruction planning amount when applicable
02Separate renovations and fixtures, contents and personal-belongings subtotals
03Overall user-controlled inventory estimate
04Neutral arithmetic difference from a confirmed existing sum insured
05Calculation trace, sensitivity, downloadable inventory and official source links

Transparency standard

The workings stay visible from day one.

✓

Official rules

Applied parameters include a source and verification date.

✓

Assumptions

User inputs and defaults are clearly separated.

✓

Limits

Scope and exclusions appear beside the result.

Read the full methodology→

interest.sg provides general information, dated reference data and calculation tools. Results are estimates—not financial, investment, legal, tax, property, valuation, CPF, HDB, lending, insurance or protection advice. Verify material decisions with the relevant authority or a qualified professional.

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