HL Assurance vs QBE home insurance

Of the 12 examples both price, HL Assurance was cheaper on 6, QBE on 6. Neither is cheaper overall. 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), QBE Home Prestige (contents S$200,000, plus building, fixtures and renovations S$100,000)): 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, QBE S$100,000 for the building including fixtures, fittings and renovations (owner, tenant or landlord), with options to increase through a QBE agent or broker; 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), QBE Up to S$5,000,000 in any one period, for occupation or ownership of the home and personal liability worldwide; 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, QBE Up to 25% of the sum insured, not exceeding 6 months (owner or tenant); landlords get loss of rent on the same basis instead; Excess: HL Assurance S$350.00, QBE S$100.00.

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