So I am going through the benefits of the 3 insurance packages that Speedhome + Allianz is offering, and I found out that Allianz actually have another product called "Smart Home Cover".

https://www.allianz.com.my/smart-home-cover...pRoCeIQQAvD_BwE

The benefits that the Smart Home Cover provides versus what Speedhome is quite similar, but at the fraction of the price?

Am I missing something here?