Etiqa vs HL Assurance home insurance

Of the 12 examples both price, Etiqa was cheaper on 10, HL Assurance on 2. 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 (Etiqa Tiq Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat), HL Assurance Home Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums)): Renovation: Etiqa S$80,000 (Tiq’s first option for a 4-room flat, in the price shown; ticking “insured under HDB Fire Insurance” keeps it, and it cannot then be unticked), 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: Etiqa S$500,000 worldwide (except the USA and Canada), 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: Etiqa Emergency cash allowance S$5,000 if the home is 100% uninhabitable, S$2,500 if at least 50%, 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: Etiqa S$0.00, HL Assurance S$350.00.

Etiqa: Promo code TIQHOME25PLUS: 25% off. HL Assurance: 6 months free.