ERGO vs Singlife home insurance

Of the 12 examples both price, ERGO was cheaper on 8, Singlife 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 (ERGO ERGO HomeSecure Custom (contents only, no building or renovation cover), Singlife Home Plus (S$100,000 contents)): 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), Singlife S$100,000 renovations (fixtures and fittings made by you or a previous owner or tenant that you legally own; the landlord's renovations come under tenant's liability, not this section); new additions in their first 60 days and professional fees, each up to 10% of the renovation sum; Personal liability: ERGO S$500,000 (top-up to S$3 million) worldwide except the USA, Canada, Russia, Belarus, Ukraine, Israel, Palestine and Lebanon, on trips of up to 90 days in a row; claims brought in courts outside Singapore are not covered, Singlife S$500,000 a year family worldwide liability (Singapore court judgements only); tenant's liability S$50,000 a year for the landlord's building, renovations and contents (a written tenancy agreement is needed); Alternative accommodation: ERGO Not covered (a building and renovations benefit; contents-only cover has none); S$500 emergency cash if ERGO finds the home uninhabitable for 5 days or more after an insured peril, Singlife S$12,000 for alternative accommodation, furniture storage, and rent you still pay as a tenant or lose as a landlord, up to S$1,000 a week (12 weeks); Excess: ERGO S$100.00, Singlife S$0.00.

ERGO: none to show. Singlife: none to show.