HL Assurance vs Lonpac home insurance

Of the 12 examples both price, HL Assurance was cheaper on 8, Lonpac 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 (HL Assurance Home Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums), Lonpac Home Protection, contents cover (owner occupied; free S$1m family liability and family PA)): 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, Lonpac Not stated as a separate section; the building itself (including fixtures) can be added at 0.05% of the sum you choose, S$50 a year per S$100,000, not priced in here; S$100 excess; 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), Lonpac S$1,000,000 personal and family liability, worldwide, free with the contents cover; 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, Lonpac Alternative accommodation and/or loss of rent covered (product page); limit not stated; Excess: HL Assurance S$350.00, Lonpac S$100.00.

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