^HK$10,000

Valuables Cover (per item)

^HK$1,000,000

Max. Household Contents Cover

^HK$10,000,000

Max. Liability To Third Party Cover

All Details

• Key Features

  • Cover household contents against loss or damage caused by fire, explosion, flood, burglary and other accidents. Maximum coverage limit of HK$1,000,000 per year (HK$150,000 per household item)

  • Alternative accommodation: when the home becomes uninhabitable as a result of accidental loss or damage. Maximum coverage limit: HK$ 50,000 per year (HK$1,500 max per day)

  • 24-Hour household maintenance and other free referral services

  • Major Exclusions: Uninhabited units for more than 45 days

  • Major Exclusions: Uninsurable risks such as scratching, rusting, wear and tear, mechanical or electrical breakdown

  • *Online application does not accept coverage for Insured Premises older than 50 years.

Household Content Cover

Household Content	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)
Alternative Accommodation	HK$50,000
HK$1,500/day
Personal Effects	HK$20,000
Loss of or damage to your personal effects happening anywhere in the world	HK$5,000/item
Home Removal	HK$30,000
HK$3,000/item
Replacement of Windows, Door Locks and Keys	HK$3,000
due to burglary at Home
Domestic Helper's Property	HK$10,000
Unauthorised Use of Credit Cards	HK$3,000
Removal of Debris	HK$10,000
Cash Benefit	HK$2,500
Cash loss due to robbery, burglary or accident
Personal Document Loss	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
Rotten Frozen Foods	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.	HK$1,000

Legal Liability

Third Party 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)

Personal Accident

Personal Accident	HK$200,000
Offer compensation if you and/or your spouse suffers accidental death as a result of fire, explosion or burglary at home	HK$50,000/person
Offer medical expenses if you and/or your spouse suffers bodily injury as a result of fire, explosion or burglary at home	HK$5,000/person

Emergency Assistance Service

24-Hour Emergency Home Assistance Service
We will offer you 24-hour home assistance hotline at 2851 1990 for free referral assistance, including Home Refurbishment, Plumber, Home nursing or baby sitting, Medical or dental referral, Electrician and air-conditioning engineer	Free referral services
Locksmith assistance	HK$500

Plan Materials

Policy Wording Document	Read More
Home Insurance Claim Form	Read More