Allianz vs HL Assurance home insurance

Of the 12 examples both price, Allianz was cheaper on 4, HL Assurance on 8. Your own answers can change the order, so get your own quote.

On each one's cheapest plan for HDB flat, owner, S$60,000 contents (Allianz Home Protect Gold (S$60,000 contents, S$90,000 renovations), HL Assurance Home Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums)): Renovations: Allianz S$90,000 a year (walls, windows, ceilings, floors, doors and household improvements, including those by the developer; professional fees share this limit); the building itself only with the optional extra renovations and building cover, 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: Allianz S$2,000,000 an event, worldwide (you and your family members), 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: Allianz S$15,000 an event for alternative lodging, loss of rent, utility and conservancy charges while the home is uninhabitable after a covered peril; plus emergency cash allowance S$1,000 an event, 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: Allianz S$100.00, HL Assurance S$350.00.

Allianz: none to show. HL Assurance: 6 months free.