^HK$15,000

Valuables Cover (per item)

^HK$1,000,000

Max. Household Contents Cover

^HK$8,000,000

Max. Liability To Third Party Cover

All Details

• Key Features

  • Enhanced benefits: Cover accidental damage to mobile phone/tablet or laptop computer, Cover breakage of window glass during the typhoon, and Cover non-delivery or accidental damage of goods purchased online

  • All Risks Home Contents Protection of up to HK$100,000 for each item, set or collection with a maximum benefit of HK$1,000,000 per year

  • Cover specified valuable properties of up to HK$15,000 per item, set or collection with an aggregate limit of 1/3 of the household contents sum insured per year

  • Personal Liability Cover protects you and your family against any legal liability to a third-party injury or property damage of up to HK$8,000,000

  • Cover accidental loss of or damage to household improvement for up to HK$100,000

  • Cover accidental damage to mobile phone / tablet or laptop computer for up to HK$2,000

  • Cover breakage of window glass during typhoon for up to HK$10,000

  • Cover non-delivery or accidental damage of goods purchased online for up to HK$7,500

  • Extended fatal accident benefit to cover your family members

  • Increased home quarantine cash benefit to a maximum period of 14 days and HK$7,000 in aggregate

  • Increased personal liability cover to HK$8,000,000 and removed sub-limit of owner’s liability in common area

  • Enhanced optional building cover

Household Content Cover

Household Content	HK$1,000,000
(any unforeseen sudden accidental physical loss or damage such as by fire, typhoon, gas explosion, flooding, landslip and subsidence or theft)
per item, set or collection	HK$100,000
Valuables Property at home	1/3 of the Household Contents sum insured
(such as jewellery, watches, photographic equipment etc.)
per item	HK$15,000
Household improvements	10% of the Household Contents sum insured or 100,000 (whichever is the lesser)
Money at home	HK$5,000
(such as cash, cheques, travel ticket etc.)
(HK$1,000 per loss)
Alternative Accommodation/ Loss of Rent	HK$50,000
cover the cost of temporary accommodation/loss of rent if your home becomes uninhabitable due to
insured damages
Home Removal	HK$100,000
Photographic equipment	HK$2,000
(such as camera or portable video camera or its accessories /
ancillary equipment)
Temporary Removal of Household Content	HK$50,000
Fatal Accident Benefit	HK$50,000
if you or your spouse pass away within 3 months from injury caused by fire or burglars in your home
Burglary Harm Allowance	HK$5,000
if you or your spouse sustains injury caused by burglars in your home provided that the injury results in granting of sick leave of not less than 4 consecutive days
Loss of personal effects in your office	HK$2,500
General Holidays Increment	HK$2,000 per incident
Locks	HK$2,500
cover the cost of repair of broken doors, locks and windows due to burglary
Home Quarantine Allowance	HK$7,000
if being confined at home involuntarily in quarantine as declared by the local authority	HK$500 per day and up to 14 days
Domestic Helper's Property	HK$5,000
Tenant's liability	10% of the Household Contents sum insured
Breakage of window glass during typhoon	HK$10,000
Accidental damage to mobile phone / tablet or laptop computer	HK$2,000 (one device in aggregate)
(this benefit is not applicable if you or your family members are below 18 years of age at the time of the damage)
Sunglasses or eyeglasses	HK$1,000
Online purchased goods protection	HK$7,500 (2 occurrences in aggregate and HK$1,500 per item)
for non-delivery or accidental damage upon
delivery of goods (the value of purchased items must be at least HK$500 per order)
Frozen Food	HK$5,000
Brittle Items	HK$5,000 per piece, set, collection or bottle
(such as articles of glass, china, earthenware, crystal or bottles of wine / liquor etc.)

Legal Liability

Personal Liability Cover	HK$8,000,000
Any claim against you or your family members in the event of your negligence causing third party injury or property damage
Your legal liability as the owner in respect of the common parts of the building of which your home forms part
Your legal liability whilst alteration or repair works are carried out at your home	Covered (maximum contract value of150,000)

Emergency Assistance Service

24-Hour Emergency Home Assistance Service

Plan Materials

Policy Brochure	Read More
Policy Wording Document	Read More
Home Insurance Claim Form	Read More