HL Assurance vs Income home insurance

Of the 12 examples both price, HL Assurance was cheaper on 4, Income 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 (HL Assurance Home Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums), Income Enhanced Home Insurance, HDB flat, without building cover (for owners whose HDB fire insurance covers the flat; contents and S$60,000 renovations)): Renovations: 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, Income S$60,000; Personal liability: 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), Income S$5,000,000; Alternative accommodation: 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, Income 10% of your renovation and contents sums: S$7,500, S$9,000, S$12,000 or S$16,000 with S$15,000, S$30,000, S$60,000 or S$100,000 contents, for lost rental income and extra hotel expenses (up to S$350 a day); Excess: HL Assurance S$350.00, Income S$0.00.

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