Home Contents
Maximum Annual Benefit

HK$1,000,000

Any unforeseen accidental loss or damage such as fire, gas explosion, flooding, burglary or other accidental damage. Each item limit is HK$150,000 for any one event.

Policy Benefits

Insured Items
Annual Plan
Maximum Annual Benefit
Home Contents
HK$1,000,000

Any unforeseen accidental loss or damage such as fire, gas explosion, flooding, burglary or other accidental damage. Each item limit is HK$150,000 for any one event

  • Cover Brittle items (Subject to your insured limit)
Valuables
HK$100,000
(HK$10,000/item)

Such as jewellery, watches, furs, digital cameras/videos, etc

Alternative accommodation
HK$50,000
(HK$1,500/day)

Cost of temporary accommodation following damage to home

Temporary Removal
HK$50,000

Accidental loss or damage to home contents that are temporarily removed for repairing or cleaning.

Domestic Helper's property
HK$10,000

Accidental loss or damage to your domestic helper's personal effects.

Replacement of Windows, Door Locks and Keys
HK$3,000

Cover reasonable cost of replacing damaged windows, door locks and keys due to burglary at Home.

Personal Accident Protection
HK$200,000
(HK$50,000/person)
  • Offer compensation if you and/or your spouse suffers accidental death as a result of fire, explosion or burglary at home
  • Offer medical expenses if you and/or your spouse suffers bodily injury as a result of fire, explosion or burglary at home (Subject to the above limit in respect of any one event (HK$5,000/person))
Frozen Food
HK$5,000

Loss or Damage to food in a domestic refrigerator caused by a rise or fall in temperature or contamination from refrigerant or refrigerant fumes. The duration period of the refrigerator should be less than 5 years.

Removal of Debris
HK$10,000

Cover the cost and expenses necessarily incurred in the removal of debris following any insured accident

Interior Decoration / Refurbishment Works
Up to limit of 60% of the sum insured

Cover accidental loss of or damage to Home Contents during the period of interior decoration or refurbishment works by contractors. The period of such works must be completed within two(2) consecutive months.

  • Interior decoration or refurbishment works also apply to the new home for 2 months from the beginning of the lease or the forst time of owning a property.
Home removal
HK$30,000
(HK$3,000/item)

Loss of or damage to Home Contents during the course of removal by a professional remover.

Unauthorized Use of Credit Card
HK$3,000

Cover the loss following unauthorized use of credit card(s) due to burglary at Home.

Personal Effects at Workplace
HK$2,500

Cover the loss of personal effects at your workplace.

Damage to Flooring
Subject to the limit of the Sum Insured on Home Contents

Damage to flooring, which was provided by the building developer or your subsequent renovated fittings of the insured Premises.

Emergency Assistance Service
Free referral services

We will offer you 24-hour home assistance hotline at 2851 1990 for free referral assistance, including:

  • Home Refurbishment
  • Medical or dental referral
  • Plumber
  • Electrician and air-conditioning engineer
  • Home nursing or baby sitting
  • Locksmith assistance (HK$500)
Personal Effects and valuables
HK$20,000
(HK$5,000/item)

Loss of or damage to your personal effects happening anywhere in the world.

Cash Benefit
HK$2,500

Cash loss due to robbery, burglary or accident.

Replacement of Personal Documents
HK$1,000

Cover the actual cost or fees necessarily incurred for replacement of the loss of the passport, driving license, HKID card, travellers' cheques, passenger tickets or credit cards due to burglary at Home

Legal Liability
HK$10,000,000

Any claims against you or your family members, pets (dogs & cats only) in the event of your negligence causing third party bodily injury or property damage (U.S.A and Canada are excluded in this provision)

Policy Exclusions

Major Exclusions as below

  • Machines or tools used in workplace or being insured elsewhere.
  • Wear and tear, mildew, rot, corrosion, rust, gradual deterioration and market depreciation.
  • Malicious acts committed by You and Your Family.
  • Contact lenses.
  • Mobile phone, pagers, personal digital assistant and computer.
  • Products detained by the customs and relevant governmental staff.
  • Properties contained in or on verandas, balconies, patios, terraces, forecourts which are in the open generally.
  • An aerial or the satellite receiver.
  • Theft or malicious damage if your home is unoccupied for more than 45 consecutive days.
  • Theft from any unattended, convertible or open vehicle.

This is not a complete list of exclusions. Please read your policy or Certificate of Insurance carefully for a full listing of exclusions. If you have any questions please contact us for details.

Claims Guidelines

Excesses

  • Home Contents Protection and personal Effects
  • 10% of the adjusted loss or the minimum excess of HK$500 (Replacement of personal documents: HK$250)
  • The damage caused by landslide and subsidence or water damage or damage to flooring
  • 10% of the adjusted loss or the minimum excess of HK$3,000

Annual Claims Maximum Amount

  • The period specified in the Certificate of Insurance for which we have agreed to accept, and you have paid or agreed to pay a premium should be in 12 consecutive months as a whole calendar year.
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