^HK$10,000

Valuables Cover (per item)

^HK$800,000

Max. Household Contents Cover

^HK$7,000,000

Max. Liability To Third Party Cover

All Details

• Key Features

  • All-rounded household coverages of up to HK$800,000, cover the accidental loss and damage to your HomeContents.e.g. in the event of fire, explosion, typhoon, burglary, Malicious Damage by Tenant and other incidents

  • Covers furniture, household goods, household improvements, Valuables and all complimentary movable home contents provided by the developer.

  • Laptop Computer/Mobile phone Coverage (due to robbery or buglary at home)

  • Worldwide Personal Belongings Coverage

  • Infectious Disease Quarantine Cash Allowance

  • Outdoor fixture and fittings

  • Cover accidental physical loss of or damage to the window at Home as a direct result of typhoon and rainstorm from July to October every year

  • 24-hours Home Assistant ServiceFree referral service, including electrical assistance, plumbing assistance, 24-hour emergency locksmith assistance and baby-sitting/registered nursing, etc.

  • Note 2: Not applicable to the insured home is rented out by the insured.

Household Content Cover

Household Content	HK$800,000/event
Water damage claim of Excess	HK$500 or 10% of loss whichever is the higher; Other claims
Valuables	HK$200,000/year (HK$10,000/item)
All risks coverage including explosion, fire, burst of water pipe, Burglary, malicious damage, flood, typhoon, landslide, subsidence or other accidental damage
Alternative Accommodation/ Loss of Rent	HK$45,000/event (HK$1,500/day)
Cover the reimbursement of temporary accommodation/ loss of rental income when the Home is rendered uninhabitable after an insured accident incurred.
Home Removal	HK800,000/event
Cover accidental physical loss of or damage to Home Contents are removed by professional remover from home to your new home in Hong Kong (HK$80,000/ item)
(Excess	HK$1,000)
Replacement of Windows, Door Locks and Keys	HK$3,000/event
Cover reasonable replacement cost of damaged windows, door locks and keys of Home due to Burglary
Temporary Removal	HK$50,000/event
Cover accidental physical loss of or damage to Home Contents whilst temporarily removed from the Home to any other premises for the purpose of professional cleaning, repair or renovation within Hong Kong. (Temporary storage period shall not exceed 90 days)
Interior Renovation	HK$300,000 contract value (HK$6,000/ item)
Cover accidental physical loss of or damage to Home Contents at Home during the period of interior decoration or refurbishment work by contractors. (less than 2 consecutive months and the contract value shall not exceed as specified.)
(Water damage claim of Excess	HK$500 or 10% of loss whichever is the higher; Other claim
Outdoor Property	15,000/event (3,000/item/set)
Covers the accidental physical loss of or damage to the fixtures and fittings in the open generally located at Home as a direct result of typhoons, rainstorms and higher lightning.
Personal Money, Credit Card and Personal Identification Documents	HK$3,500/event; HK$3,000/event
Loss of Money or Unauthorized Use of Credit Card
Cover loss due to Burglary or robbery at Home.
- Money	HK$3,500/event
- Unauthorized use of credit card(s)	HK$3,000/event
Personal Computer	HK$4,000/event
Cover the actual repair and replacement cost or fees of the below items due to robbery or Burglary at Home.
- Laptop Computers	HK$4,000/event
- Mobile phone	HK$3,500/event
Excess	HK$1,000
Home Quarantine Allowance	HK$4,200/event (HK$300/day)
Infectious Disease Quarantine Cash Allowance
The Insured and/or Family Members are informed by the HKSAR government to undergo a compulsory quarantine at a designated location outside the Home.
Breakage of window glass during typhoon	HK$15,000/event
Cover accidental physical loss of or damage to the window at Home as a direct result of typhoon and rainstorm during the typhoon or rainstorm season from July to October
(Water damage claim of Excess	HK$500 or 10% of loss whichever is the higher; Other claim
Removal of Debris	HK$6,000/event
Covers the accidental physical loss of or damage to the fixtures and fittings in the open generally located at Home as a direct result of typhoon, rainstorm and higher lightning.
Domestic Helper’s Personal Effects	HK400,000/event/year
Protect against the legal liability in the event of the Insured’s Domestic Helper’s negligence causing third-party Bodily Injury or property damage during her work.
Personal Document Loss	HK$3,500/event
Cover the replacement cost or fees of personal documents due to fire, Burglary or robbery at Home.
Brittle Items	HK$ 10,000/item
Frozen Food	HK$3,000/event
Cover the replacement cost of food and drinks which are spoilt in the refrigerator as a result of the accidental breakdown of the refrigerator and/or accidental failure of electricity supply.
Excess	HK$200

Legal Liability

Third Party Liability	HK$7,000,000/event/year
Protect against the legal liability of the Insured and/or Family Members as a homeowner or a resident, for negligence causing third-party Bodily Injury or property damage at Home.

Personal Accident

Personal Accident	HK$10,000/year (HK$5,000/item/set)
Cover accidental physical loss of or damage to the Insured and/or Family Members’ Personal Effects and Valuables happened anywhere in the world.
Also cover accidental physical loss of or damage to domestic helper’s personal effects due to burglary at home.
HK$10,000/year (HK$3,000/item/set)
Excess	HK$500

Worldwide Personal And Occupier's Liability

Personal / Owner's / Occupier's Liability	HK$1,000,000/event/year
Protect against the legal liability in the event of the Insured and/or Family Members’ negligence causing third-party Bodily Injury or property damage whilst outside the Home or during a temporary visit outside HKSAR. (not exceeding 30 days)

Personal Guard

Personal Accidents	HK$300,000/year (HK$150,000/person)
rotect the Insured and/or Family
Members suffer death or permanent total disablement as a result of fire, robbery, theft or Burglary at Home.

Emergency Assistance Service

24-Hour Emergency Home Assistance Service
Free referral services
- electrical assistance
- plumbing assistance,
- 24-hour emergency locksmith
assistance
- contractor for general repair of
household items,
- baby-sitting/registered nursing
- temporary domestic helper
- home cleaning/pest control