Home insurance
AIG vs HL Assurance home insurance
As of 28 Oct 2026 (Singapore time)
Of the 11 examples both price, AIG was cheaper on 11, HL Assurance on 0. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | AIG | HL Assurance |
|---|---|---|
| HDB flat, owner, S$60,000 contents | S$75.76Homes Essential (HDB and condominium only)as at 12 Oct 2026 | S$145.38Home Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums)as at 8 Oct 2026 |
| Condo, tenant, S$30,000 contents | S$75.76Homes Essential (HDB and condominium only)as at 12 Oct 2026 | S$121.11Home ProtectLite (annual)as at 8 Oct 2026 |
| Landed house, owner, S$100,000 contents | No online price | S$145.38Home Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums)as at 8 Oct 2026 |
| HDB flat, owner, S$30,000 contents | S$75.76Homes Essential (HDB and condominium only)as at 12 Oct 2026 | S$121.11Home ProtectLite (annual)as at 8 Oct 2026 |
| HDB flat, owner, S$100,000 contents | S$75.76Homes Essential (HDB and condominium only)as at 12 Oct 2026 | S$145.38Home Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums)as at 8 Oct 2026 |
| HDB flat, tenant, S$30,000 contents | S$75.76Homes Essential (HDB and condominium only)as at 12 Oct 2026 | S$121.11Home ProtectLite (annual)as at 8 Oct 2026 |
| HDB flat, tenant, S$60,000 contents | S$75.76Homes Essential (HDB and condominium only)as at 12 Oct 2026 | S$145.38Home Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums)as at 8 Oct 2026 |
| HDB flat, tenant, S$100,000 contents | S$75.76Homes Essential (HDB and condominium only)as at 12 Oct 2026 | S$145.38Home Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums)as at 8 Oct 2026 |
| Condo, owner, S$30,000 contents | S$75.76Homes Essential (HDB and condominium only)as at 12 Oct 2026 | S$121.11Home ProtectLite (annual)as at 8 Oct 2026 |
| Condo, owner, S$60,000 contents | S$75.76Homes Essential (HDB and condominium only)as at 12 Oct 2026 | S$145.38Home Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums)as at 8 Oct 2026 |
| Condo, owner, S$100,000 contents | S$75.76Homes Essential (HDB and condominium only)as at 12 Oct 2026 | S$145.38Home Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums)as at 8 Oct 2026 |
| Condo, tenant, S$60,000 contents | S$75.76Homes Essential (HDB and condominium only)as at 12 Oct 2026 | S$145.38Home Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums)as at 8 Oct 2026 |
All prices include 9% GST.
These are example prices for the details above. Your own price depends on your answers.
Cover side by side
| Cover | AIG | HL Assurance |
|---|---|---|
| Renovations | Included in the S$150,000 combined contents and renovations limit; complimentary building cover up to S$100,000 | Included in the S$100,000 Section 1 limit together with contents, fixtures and fittings; interior decoration or refurbishment work in progress covered up to S$30,000 for up to 60 days |
| Personal liability | S$400,000 | S$500,000 worldwide (excluding USA, Canada and Japan), S$500 excess a claim; occupier's liability S$500,000; family personal accident S$35,000 (S$10,000 an adult, S$3,000 a child) |
| Alternative accommodation | Up to S$20,000, for up to 90 days | S$15,000 for up to 30 days (S$300 a day for a family of 3 or fewer, S$600 a day for 4 or more) after an insured peril makes the home uninhabitable, plus temporary storage S$15,000 for up to 30 days and emergency cash allowance S$1,000 |
| Excess | S$0.00 | S$350.00 |
Dearer plans from either insurer can cover more. Read the policy wording before you buy.
Discounts running today
- AIG: none to show
- HL Assurance: 6 months free
More about each
See every insurer's price for your own answers, cheapest first.
Get your own quoteQuestions people ask
Is AIG or HL Assurance cheaper for home insurance?
Of the 11 examples both price, AIG was cheaper on 11, HL Assurance on 0. Your own answers can change the order, so get your own quote.
How does AIG's cover compare with HL Assurance's?
On each one's cheapest plan for HDB flat, owner, S$60,000 contents (AIG Homes Essential (HDB and condominium only), HL Assurance Home Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums)): Renovations: AIG Included in the S$150,000 combined contents and renovations limit; complimentary building cover up to S$100,000, HL Assurance Included in the S$100,000 Section 1 limit together with contents, fixtures and fittings; interior decoration or refurbishment work in progress covered up to S$30,000 for up to 60 days; Personal liability: AIG S$400,000, HL Assurance S$500,000 worldwide (excluding USA, Canada and Japan), S$500 excess a claim; occupier's liability S$500,000; family personal accident S$35,000 (S$10,000 an adult, S$3,000 a child); Alternative accommodation: AIG Up to S$20,000, for up to 90 days, HL Assurance S$15,000 for up to 30 days (S$300 a day for a family of 3 or fewer, S$600 a day for 4 or more) after an insured peril makes the home uninhabitable, plus temporary storage S$15,000 for up to 30 days and emergency cash allowance S$1,000; Excess: AIG S$0.00, HL Assurance S$350.00.
What discounts are AIG and HL Assurance running?
AIG: none to show. HL Assurance: 6 months free.