HL Assurance vs MSIG home insurance

Of the 12 examples both price, HL Assurance was cheaper on 4, MSIG 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), MSIG HomeEasy Gold (owner or landlord)): 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, MSIG S$120,000; 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), MSIG S$1,000,000 worldwide; property owner's or tenant's liability S$500,000 (S$1,000,000 in the aggregate); 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, MSIG Alternative accommodation or loss of rent up to 10% of the Section 1 sum insured (S$20,000); Excess: HL Assurance S$350.00, MSIG S$0.00.

HL Assurance: 6 months free. MSIG: 20% off.