Coverage

Summary of Benefits
Maximum Limit per policy year (HK$)

Section 1 - Home Contents

Basic Cover $750,000 to $1,500,000

Household Contents and Personal Effects

$750,000 to $1,500,000

Furniture, fixtures, fittings and domestic electrical appliances plus your personal effects such as clothes are covered on an unspecified basis, provided that the value of each article does not exceed 10% of your Home Contents Sum Insured

(depending on the saleable area of your Home)

Valuables

1/3 of Home Contents Sum Insured

Cover valuables at Home, such as jewellery and watches
(Maximum limit for each item: $15,000)

Additional Benefits (Free)

Personal Effects outside your Home

$10,000

Cover for accidental loss or theft of personal effects outside your Home but within the territorial limit of Hong Kong
(Maxmium limit for each item: $2,500)

Home Quarantine Allowance

$500 per day / 10 days per year

Daily allowance for being put under quarantine at Home involuntarily as declared by the local authority

Accidental Damage to Home Contents in the course of Renovation

Cover for accidental damage to your Home Contents in the course of interior decoration or refurbishment for minor contract with value up to $100,000

Up to Home Contents Sum Insured

Personal Accident

Cover for accidental death as a result of fire or armed robbery at Home

Each Insured Person

$50,000

Each Insured’s family member aged 18 or below and 70 or above

$25,000

Alternative Accommodation

Cover the cost of alternative accommodation reasonably incurred if your Home becomes uninhabitable due to an insured accident

$1,500 per day / $90,000 per year

Loss of Rent (applicable if you are the owner and your Home is let out)

Cover for rental loss if your rental property is made uninhabitable due to an insured accident

$50,000

Temporary Removal

Cover for loss of or damage to your Home Contents while temporarily removed from your Home for cleaning, repairs or maintenance

Maximum limit for any one article: $10,000

$50,000

Household Removal

Cover for loss of or damage to your Home Contents whilst moving between your current Home and your new Home within Hong Kong by professional removers

Maximum limit for any one article or pair or set : $10,000

Up to Home Contents Sum Insured

Removal of Debris

Cover the cost of removal of debris if your Home is accidentally damaged

Maximum limit for any one event : 10% of the adjusted loss amount

10% of the adjusted loss amount

Architects’, Surveyors’ and Consulting Engineers’ Fees

Cover the architects’, surveyors’ and consulting engineers’ fees necessarily incurred in the reinstatement of the damaged property

Maximum limit for any one event: 5% of Home Contents Sum Insured

5% of Home Contents Sum Insured

Automatic Reinstatement of Sum Insured

In the event of loss or damage recoverable under this insurance, your Home Contents Sum Insured will be immediately reinstated, subject to appropriate additional premium

Locks Replacement

Cover the cost of replacing locks, keys and broken windows due to theft or burglary

$3,000

Personal Computer

Cover your personal computer at Home against accidental loss or damage

$15,000

Frozen Food

Cover for accidental damage to frozen food

Maximum limit for any one event : $5,000

$5,000

Domestic Helper’s Personal Effects

Cover for accidental loss of or damage to your domestic helper’s property inside your Home

Maximum limit for any one item : $1,000

$25,000 per helper

Money

Cover loss of Money at Home due to an insured accident

$2,500

Credit Cards

Cover your liability directly resulting from the unauthorized use of your credit card by any person not related to or residing with you

$10,000

Replacement of Credit Cards/Personal Documents

Cover the replacement cost for the loss of personal documents including credit cards, passports, Hong Kong Identity Card and any certificate of identity

$1,500

Brittle Items

Cover for accidental damage to articles of glass, china, porcelain or other items of fragile nature

$5,000

Section 2 - Worldwide Personal and Occupier's Liability (Free)

Personal / Owner's / Occupier's Liability $5,000,000

Cover you, your family members and your domestic helper(s) residing with you against legal liability towards third parties for their bodily injury or property damage caused by your negligence committed anywhere in the world

$5,000,000

This Section extends to cover

Owner’s Liability in Common Areas (applicable if you are the owner of the insured Home)

Cover your legal liability as a part owner of the common parts of the building of which your Home forms part

Up to Limit of Liability under Section 2

Tenants Liability (applicable if your Home is rented)

Cover your legal liability as tenant against loss of or damge to landlord's property

Up to Limit of Liability under Section 2

Independent Contractor’s Liability

Cover your legal liability towards third parties for their bodily injury or property damage arising out of the alteration of or addition to your Home, provided that the contract value shall not exceed HK$100,000 for each contract

Up to Limit of Liability under Section 2

Optional Cover

Upgrade the maximum limit under Section 2 - Worldwide Personal and Occupier’s Liability to HK$10,000,000

Additional Premium (HK$)

$300

Remarks :

  • The above product information is for reference only. For full details of coverage, terms, conditions and exclusions, please refer to the policy wordings.
  • The Company’s maximum liability (including Additional Benefits) shall not exceed the Sum Insured specified for each section.
  • Whenever there are any discrepancies between the English and Chinese versions of the above details, the English version shall prevail.
  • This insurance is subject to a minimum basic premium of HK$500.