Updated September 29, 2026 · SumCue Editorial Team
HomeServe vs Income Insurance
HomeServe
Income Insurance
Higher score in this comparison
What sets them apart
| Compare | HomeServeReviewVisitVisit | Income InsuranceReviewVisitVisit |
|---|---|---|
| Premium from | €7 | SGD 0.60 |
| Insurance types | Home emergency | Auto, Home, Life, Health, Travel, Pet, Motorcycle |
| Provider type | Broker | Insurer |
| Excess from | €0 | SGD 250 |
| Claims channels | Online, Phone | Phone, Email, Online form, Mobile app, Customer portal |
| Monthly payments | Yes | Not confirmed |
| Cover limit | Not confirmed | S$8,500 - S$27,000 maximum annual coverage per policy year (Happy Tails Pet Insurance) |
| Age range | Not confirmed | Pet insured must be at least 16 weeks old and below 9 years old at policy start |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Income Insurance scores higher overall: 9.4 vs 8.9.
- HomeServe is available in 1 more country.
- Insurance types: only HomeServe offers Home emergency.
- Insurance types: only Income Insurance offers Auto, Home, Life.
- Claims channels: only HomeServe offers Online.
- Claims channels: only Income Insurance offers Email, Online form, Mobile app.
Our verdict on each
HomeServe
HomeServe suits households seeking home emergency assistance through a broker model with monthly payments available and support by phone and help centre. Premiums start at €7 with excess of €0 and claims online or by phone via online and phone for added convenience.
Income Insurance
Income Insurance is a Singapore insurer selling auto, home, life, health, travel, pet and motorcycle cover, with a starting premium of SGD 0.60. It suits households that want several kinds of cover under one insurer, and seniors sit among the audience it names.
Score breakdown
| Area | HomeServe | Income Insurance |
|---|---|---|
| Cost | 9.2HigherPremiums start at €7 with excess of €0 paid monthly. | 9.1Starting premium of SGD 0.60 ranks 25 of 251 brands on premium from, while pet cover carries an excess of SGD 250. |
| Offer | 8.4Cover centres on home emergency with claims via online and phone. | 9.5Higher |
| Trust | 9.0Broker model disclosed as broker with ORIAS registration in France. | 9.5Higher |
Side by side, item by item
| Insurance types | HomeServe | Income Insurance |
|---|---|---|
| Auto | No | Yes |
| Home | No | Yes |
| Life | No | Yes |
| Health | No | Yes |
| Travel | No | Yes |
| Pet | No | Yes |
| Motorcycle | No | Yes |
| Home emergency | Yes | No |
Availability and regulation
| Country | HomeServe | Income Insurance |
|---|---|---|
| France | Not confirmed |
Additional countries for HomeServe: 2. Additional countries for Income Insurance: 1.
How they place
| Ranking | HomeServe | Income Insurance |
|---|---|---|
| Insurance | 10 of 627 | 15 of 627 |
Every fact side by side
| Fact | HomeServe | Income Insurance |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | Monthly | Not confirmed |
| Legal entity | Not confirmed | Income Insurance Limited |
| Headquarters | Not confirmed | Singapore |
| Founded | Not confirmed | 1970 |
| Support channels | Not confirmed | Phone, Email, Help centre |
Pros and cons
HomeServe
Pros
- Premiums start at €7 with excess of €0, keeping entry costs clear.
- Monthly payments are available under monthly, helping spread costs across the year.
- Claims can be made via online and phone, with support through phone and help centre.
Cons
- Cover is limited to home emergency, so households wanting wider protection may look elsewhere.
- Support runs on phone and help centre only, without chat or email contact.
- Broker model via broker means cover terms sit with the underlying insurer.
Income Insurance
Pros
- One insurer handles auto, home and life.
- Starting premiums of SGD 0.60, with the site's median starting premium at €8.31.
- Claims can be started through phone, email and online form.
Cons
- The pet policy starts at an excess of SGD 250, and its annual cover is capped at a set maximum.
- The pet line under auto, home and life only begins inside a set age band, so an older animal falls outside it.
- Pricing and cover sit in a single market, SG, and the only audience named is seniors.
Who each suits
HomeServe
Who it suits
- Households wanting home emergency help via home emergency with claims through online and phone.
- Budget planners who value monthly billing with premiums from €7 and excess of €0.
- Phone led customers who value support through phone and help centre.
Who should look elsewhere
- Readers seeking life cover rather than home emergency help may prefer Polizza Vita con Bonus for life.
- Readers seeking travel cover may prefer TravelSecure with premiums from €5.
- Readers seeking car cover may prefer AXA with premiums from £275.
Income Insurance
Who it suits
- Households in Singapore who want motor, home, life, health, travel, pet and motorcycle cover arranged with one provider.
- Seniors, the only audience named under seniors.
- Pet owners with a young animal who are comfortable paying SGD 250 first on a vet bill.
Who should look elsewhere
- Readers chasing the lowest starting premium on the site, since bunq and bunq Spain list €0 and €0.
- Anyone who needs cover in a market other than SG, for whom bunq Spain is the option here tied to a different country.
Current offers
Income Insurance
Current offer
Discount code
Up to 20% off + 188,000 STAR$ on Domestic Helper Insurance: up to 20% off + 188,000 STAR$
Promo code GDH188 at checkout for qualifying policies purchased via Income Insurance website or My Income app
Source, checked September 26, 2026
Bonus
Up to 8% cashback on first-year premium for Complete Life Secure: up to 8% cashback on first-year premium
Purchase of an eligible Complete Life Secure plan, with Early Critical Secure rider
Source, checked September 26, 2026
Country by country
| Country | HomeServe | Income Insurance |
|---|---|---|
| France | Yes | No |
| Singapore | No | Yes |
| United Kingdom | Yes | No |
Questions about each
HomeServe
What does HomeServe cover+
HomeServe focuses on home emergency assistance under home emergency. Claims can be started via online and phone, with phone support alongside online routes. Check the policy summary for limits, exclusions and response terms before buying.
How much does cover cost+
Premiums start at €7. Excess is set at €0, which helps keep entry costs predictable. Monthly payments are available, so costs can be spread across the policy term rather than paid in full.
Income Insurance
What kinds of insurance does Income Insurance sell?+
Income Insurance writes auto, home and life policies, so motor, home, life, health, travel, pet and motorcycle cover all sit with one provider. It is classed as an insurer rather than a comparison site, and it operates from SG.
What is the cheapest premium?+
The advertised starting premium is SGD 0.60. The site's median starting premium is €8.31, with a lower quartile of €2.92 and an upper quartile of €29.72. Income sits in the cheaper part of that range.
Other options to compare
Other matchups
- HomeServe vs HelloSafe (Atlas)
- Income Insurance vs WorldTrips
- Income Insurance vs die Bayerische
- Income Insurance vs Porto Seguro
- HomeServe vs KS/AUXILIA
- Income Insurance vs MyPhysicianPlan
- Income Insurance vs Polizza Vita con Bonus
- HomeServe vs HanseMerkur Reiseversicherung AT
- Income Insurance vs Linxea
- Income Insurance vs Explorer Travel Insurance
- HomeServe vs TravelSecure
- Income Insurance vs Compass
- Income Insurance vs MSIG Insurance (Thailand)
- Income Insurance vs Vuso UA
- Income Insurance vs TIPINSURE
- Income Insurance vs Max Life Insurance
- Income Insurance vs Acko
- Income Insurance vs Lemonade
- Income Insurance vs DirectAsia
- Income Insurance vs Alior
- Income Insurance vs WAS Insurance