HL Assurance vs UOI home insurance

Of the 12 examples both price, HL Assurance was cheaper on 0, UOI on 12. 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), UOI UniHome Insurance, HDB flat (contents only, no renovation cover, no building cover)): 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, UOI Not covered (renovation cover left unticked in UOI's app: this card insures contents only; the card beside it adds renovations); 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), UOI S$500,000 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, UOI Up to S$500 a day, S$15,000 an event (or loss of rental income up to S$15,000); Excess: HL Assurance S$350.00, UOI S$100.00.

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