Great American vs HL Assurance home insurance

Of the 12 examples both price, Great American 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 (Great American Great Home Insurance Elite (S$60,000 contents), HL Assurance Home Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums)): Renovations: Great American Fixtures, fittings and renovations S$200,000 (tick a box to include the building itself in this 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: Great American Up to S$500,000 worldwide; can be raised to S$1,000,000 for S$82 a year including GST, 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: Great American Loss of rent and the cost of temporary accommodation are covered (the brochure gives no figure), 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: Great American Not published, HL Assurance S$350.00.

Great American: none to show. HL Assurance: 6 months free.