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BOCG Insurance Premier Home Comprehensive Insurance - Plan 3
BOCG Insurance Premier Home Comprehensive Insurance - Plan 3
- HK$20,000
- Valuables Cover (per item)
- HK$1,200,000
- Max. Household Contents Cover
- HK$10,000,000
- Max. Liability To Third Party Cover
All Details
All-rounded household coverages of up to HK$1,200,000, 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 HK$1,200,000/event Water damage claim of Excess HK$500 or 10% of loss whichever is the higher; Other claims Valuables HK$300,000/year (HK$20,000/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$60,000/event (HK$2,000/day) Cover the reimbursement of temporary accommodation/ loss of rental income when the Home is rendered uninhabitable after an insured accident incurred. Home Removal HK$1,000,000/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$100,000/ item) (Excess HK$1,000) Replacement of Windows, Door Locks and Keys HK$3,500/event Cover reasonable replacement cost of damaged windows, door locks and keys of Home due to Burglary Temporary Removal HK$80,000/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) Outdoor Property 20,000/event (4,000/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. Interior Renovation HK450,000 contract value (HK$10,000/ 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 Personal Money, Credit Card and Personal Identification Documents HK$3,500/event HK$4,000/event Loss of Money or Unauthorized Use of Credit Card Cover loss due to Burglary or robbery at Home. - Money - Unauthorized use of credit card(s) Personal Computer HK$5,000/event Cover the actual repair and replacement cost or fees of the below items due to robbery or Burglary at Home. - Laptop Computers HK$5,000/event - Mobile phone HK$4,500/event Excess HK$1,000 Home Quarantine Allowance HK$5,600/event (HK$400/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$20,000/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 Domestic Helper’s Personal Effects HK$600,000/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. Removal of Debris HK$8,000/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. Personal Document Loss HK$3,500/event Cover the replacement cost or fees of personal documents due to fire, Burglary or robbery at Home. Frozen Food HK$4,000/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$200 Brittle Items HK$ 12,000/item Third Party Liability HK$10,000,000/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 HK$28,000/year (HK$7,000/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$15,000/year (HK$4,500/item/set) Excess HK$500 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 Accidents HK$400,000/year (HK$100,000/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. 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
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