ECICS vs HL Assurance home insurance

Of the 12 examples both price, ECICS was cheaper on 8, HL Assurance on 4. 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 (ECICS Home Contents Insurance for owners (1-year; S$30,000 renovations; 4-room or larger unit), HL Assurance Home Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums)): Renovations: ECICS S$30,000 renovations sum insured (the online quote's minimum; raise it at checkout, up to S$200,000); plus debris removal and professional fees, each 10% of the renovation sum, 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: ECICS S$500,000 a year for family personal liability (worldwide except the USA and Canada) and tenant's liability together, 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: ECICS Up to S$300 a day, S$36,000 a year, including storage (not for a landlord who did not live in the home), 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: ECICS S$0.00, HL Assurance S$350.00.

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