^HK$20,000

Valuables Cover (per item)

^HK$750,000

Max. Household Contents Cover

^HK$10,000,000

Max. Liability To Third Party Cover

All Details

• Key Features

  • Legal liability including worldwide personal liability and liability as a home owner, an occupier, a pets owner, a tenant and the home owner’s liability in common area for annual coverage of HK$10,000,000. Special protection for personal liability arising from the use of aerial cameras in Hong Kong.

  • Worldwide protection including repair cost for mobile phone, laptop or tablet computers

  • Worldwide protection cover loss incurred by unauthorized use of credit cards due to any loss of personal property (such as mobile phone with payment app installed)

  • Worldwide protection - loss of money as per a maximum coverage of HK$5,000 per accident due to any loss of money or cost of replacement for loss of personal identification documents

  • 24-Hour free Emergency home plumbing, electrical or locksmith assistance service and other free referral services

  • A DIY plan where you can adjust the maximum amount of legal liability and optional benefits including home contents (such as personal belongings, valuables and alcohol), other outdoor home contents and more. and optional benefits

  • No upper age limit; zero base fee (standard plan - multi-storey building below 41 years)

  • Major Exclusions: Non-insurance items: unexplained losses, illegal construction, machine failure, natural wear and tear, war, terrorist activities, nuclear radiation, pollution, etc.

  • Cover emerging green risks of “Solar PV system” under Section 5 – Building; and added in Part 1 – Definitions

  • Provide liability cover arising from “Solar PV system” and Electric vehicle (EV) charging facilities under Section 1 – Liability

  • Added recycling referral service to encourage our customers to adopt green lifestyle

  • To align with the new Small Unmanned Aircraft Order (“Cap. 448G”), which was commenced on June 1, 2022 and requires all remote pilots and responsible persons (e.g. owners, operators, etc) to purchase insurance separately for drones with total weight above 250g, only drones with total weight equal to/below 250g will be covered under Section 1 – Liability

Household Content Cover

Household Content	700 sq. ft and Below - HK$750,000 701 sq. ft to 1500sq. ft - HK$1,000,000 1501 sq. ft and Above - HK$1,250,000
Alternative Accommodation	HK$60,000
per accident
Personal Effects	HK$20,000
per set
Wine	HK$5,000
per item
Home Removal	HK$100,000
per accident
Outdoor Property	HK$50,000/accident HK$2,500/item
Unauthorised Use of Credit Cards	HK$20,000
per accident
Personal Money	HK$5,000
per accident
Burglary/Robbery Harm Allowance	HK$5,000
per accident
Removal of Debris	HK$20,000
per accident
Personal Document Loss	HK$5,000
per accident
Rotten Frozen Foods	HK$5,000
per accident

Legal Liability

Third Party Liability	HK$10,000,000

Personal Accident

Personal Accident	HK$100,000
annual coverage

Emergency Assistance Service

24-Hour Emergency Home Assistance Service
Hassle-free cashless approach
24-Hour Emergency Home Assistance Service Hotline	（+852）28863977

Plan Materials

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