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Home insurance

How HL Assurance prices home insurance

Priced online

What the figures include

The table's figures are before GST. We add 9% GST to each price.

Prices from this table are as at 8 Oct 2026, the day we last checked them against HL Assurance's own online quotes.

A plan's premium is its base figure, times each factor that applies, plus any additions. It is never below the plan's minimum. Version 7, live since 21 Oct 2026.

Plans and how each is priced

Home Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums)

Promotion

Base premium S$266.76

Excess S$350.00

6 months free: 50% off the list price until 31 Oct 2026.

Home Protect360 Gold (S$200,000 contents; annual, 12 monthly premiums)

Promotion

Base premium S$466.68

Excess S$350.00

6 months free: 50% off the list price until 31 Oct 2026.

Home Protect360 Platinum (S$300,000 contents; annual, 12 monthly premiums)

Promotion

Base premium S$653.40

Excess S$350.00

6 months free: 50% off the list price until 31 Oct 2026.

Home ProtectLite (annual)

Offered when Contents sum insured up to S$50,000

Base premium S$111.11

Excess None

Worked examples

We check the table against these cases before it goes live. Each one matches the insurer's own price to the cent. The working shows where each figure comes from and the sums that give the premium.

ExampleAnswersWorkingPremium
HDB owner, S$30,000 contentsHome Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums)
  • Contents sum insured: S$30,000
  1. Base S$266.76
  2. + 9% GST = S$290.77
S$290.77S$145.38 with the 50% promotion
Condo tenant, S$60,000 contentsHome Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums)
  • Contents sum insured: S$60,000
  1. Base S$266.76
  2. + 9% GST = S$290.77
S$290.77S$145.38 with the 50% promotion
Landed owner, S$100,000 contents, prior claim, 50-year-old houseHome Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums)
  • Contents sum insured: S$100,000
  1. Base S$266.76
  2. + 9% GST = S$290.77
S$290.77S$145.38 with the 50% promotion
HDB tenant, S$100,000 contentsHome Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums)
  • Contents sum insured: S$100,000
  1. Base S$266.76
  2. + 9% GST = S$290.77
S$290.77S$145.38 with the 50% promotion
Condo owner, S$60,000 contentsHome Protect360 Silver (S$100,000 contents; annual, 12 monthly premiums)
  • Contents sum insured: S$60,000
  1. Base S$266.76
  2. + 9% GST = S$290.77
S$290.77S$145.38 with the 50% promotion
HDB owner, S$60,000 contents, GoldHome Protect360 Gold (S$200,000 contents; annual, 12 monthly premiums)
  • Contents sum insured: S$60,000
  1. Base S$466.68
  2. + 9% GST = S$508.68
S$508.68S$254.34 with the 50% promotion
Show the other 4 examples
ExampleAnswersWorkingPremium
Condo owner, S$100,000 contents, PlatinumHome Protect360 Platinum (S$300,000 contents; annual, 12 monthly premiums)
  • Contents sum insured: S$100,000
  1. Base S$653.40
  2. + 9% GST = S$712.21
S$712.21S$356.10 with the 50% promotion
HDB owner, S$30,000 contents, ProtectLiteHome ProtectLite (annual)
  • Contents sum insured: S$30,000
  1. Base S$111.11
  2. + 9% GST = S$121.11
S$121.11
Condo tenant, S$30,000 contents, ProtectLiteHome ProtectLite (annual)
  • Contents sum insured: S$30,000
  1. Base S$111.11
  2. + 9% GST = S$121.11
S$121.11
Landed owner, S$30,000 contents, ProtectLiteHome ProtectLite (annual)
  • Contents sum insured: S$30,000
  1. Base S$111.11
  2. + 9% GST = S$121.11
S$121.11

Where the figures come from

Plus 7 files of saved quotes, data and screenshots from HL Assurance's online quote tool, kept with the table.

Before going live the table was checked against the insurer's own online quotes and matched to worked examples in the insurer's brochure.

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Your own premium depends on your answers. You finish buying on the insurer's own site, where you pay and they issue the policy.

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