HL Assurance vs Singlife home insurance

Of the 12 examples both price, HL Assurance was cheaper on 5, Singlife on 7. 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), Singlife Home Plus (S$100,000 contents)): Renovations: HL Assurance Included in the S$100,000 Section 1 limit, together with contents (improvements put in by you or a former owner, not the developer's original fittings); while contractors decorate or refurbish, damage to contents covered up to S$30,000 for works of up to 60 days, Singlife S$100,000 renovations (fixtures and fittings made by you or a previous owner or tenant that you legally own; the landlord's renovations come under tenant's liability, not this section); new additions in their first 60 days and professional fees, each up to 10% of the renovation sum; Personal liability: HL Assurance S$500,000 each event, worldwide except USA, Canada and Japan, S$500 excess each claim; also occupier's liability for the home S$500,000, Singlife S$500,000 a year family worldwide liability (Singapore court judgements only); tenant's liability S$50,000 a year for the landlord's building, renovations and contents (a written tenancy agreement is needed); 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) when an insured event makes the home unfit to live in; emergency cash S$1,000 for essentials if it is unfit for 3 days or more, Singlife S$12,000 for alternative accommodation, furniture storage, and rent you still pay as a tenant or lose as a landlord, up to S$1,000 a week (12 weeks); Excess: HL Assurance S$350.00, Singlife S$0.00.

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