ERGO vs Liberty home insurance

Of the 12 examples both price, ERGO was cheaper on 12, Liberty on 0. 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 (ERGO ERGO HomeSecure Custom (contents only, no building or renovation cover), Liberty Liberty HomeCare Top-up Plan (Plan C topped up to your contents sum)): Renovations: ERGO Not covered (contents only; ERGO's Custom plan can add building and renovations cover at extra cost, or take HomeSecure Smart or Enhanced), Liberty Part of building cover (building including renovations and improvements, fire and extraneous perils): S$200,000 (more at 0.0545% a year, up to S$3,500,000); Personal liability: ERGO S$500,000 worldwide (top-up to S$3 million), Liberty S$500,000 in Singapore (Plan C's limit; more at S$27.25 a year for every further S$500,000, up to S$1,000,000; worldwide, excluding USA and Canada, at S$1,000,000 is a paid option: S$81.75 a year on the Top-up Plan); Alternative accommodation: ERGO Not covered (a building and renovations benefit; contents-only cover has none), Liberty Up to 10% of the building sum (S$20,000) plus up to 10% of the contents sum (S$6,000 or S$10,000) while the home is uninhabitable; also personal accident S$50,000 a policy (S$10,000 a person) and emergency home assistance S$100 an event, 2 events; Excess: ERGO S$100.00, Liberty S$0.00.

ERGO: none to show. Liberty: none to show.