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Latest Promotion
FamilySurance Plus 4.0
Tenant Protector
Landlord Protector
Latest Promotion
  • Home Insurance Promotions

From now till 30 Mar 2017, apply MSIG Home Insurance Series online to enjoy fabulous offer:

Insurance Plan Promotion Offer
FamilySurance 4.0 Plus
 
Landlord Protector
 
Tenant Protector
30% OFF

  • FamilySurance 4.0 Plus - The comprehensive coverage for everything and everyone of your home.
  • Landlord Protector - Protect your property assets and your rental income with this innovative insurance plan designed exclusively for Landlords. Loss of rent cover up to HK$80,000 or 3-month rental income.
  • Tenant Protector - Protect yourself from financial shocks with this innovative insurance plan designed exclusively for Tenants.

Terms and Conditions:

  1. The promotion period is between 24 Feb 2017 and 30 Mar 2017 (both days inclusive) (the "Promotion Period").
  2. Offers under the promotion are available to successful applicants of FamilySurance Plus 4.0, Landlord Protector, Tenant Protector of MSIG Insurance (Hong Kong) Limited ("MSIG") through online during the Promotion Period ("Eligible Customer").
  3. MSIG reserves the right to alter or terminate the promotional offers and/or amend the terms and conditions at any time without notice.
  4. All matters or disputes in relation to the promotional offers and the interpretation of terms and conditions herein shall be subject to the decision of MSIG, which shall be final and binding.
  5. If there is any inconsistency or conflict between the English and the Chinese versions of these terms and conditions and any details of the promotional offers, the English version shall prevail.
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Details
FamilySurance Plus 4.0
  • Product Features
  • Benefits Table
  • Premium
  • Major Exclusions
Key Features:
  • All Risks home contents protection 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 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
  • Tenant's Liability against loss of or damage to landlord's properties up to 10% of the household contents sum insured
  • Occupier's liability and personal liability cover you and your family against any legal liability to a third party injury or property damage up to HK$5,000,000
  • Owner's liability in common area cover up to HK$1,000,000

Other Benefits:
  • Cover loss of money at home up to HK$1,000 per loss or up to HK$2,000 per loss during general holidays, an aggregate limit of HK$5,000 per year
  • Accidental loss or theft of personal money or personal effects on business trip outside Hong Kong up to HK$2,500
  • Loss of personal effects kept in your office outside home up to HK$2,500
  • Pay for alternative accommodation expense or loss of rent up to HK$50,000 if your home is uninhabitable due to accidental damage
  • Cover accidental loss of or damage to the personal belongings of domestic servant up to HK$5,000
  • 24 hours Home Emergency Assistance Service
  • Optional Building covers at your choice

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
Coverage Maximum Benefits Payable (HK$)
Household Contents (Basics)
Household Content
(any unforeseen sudden accidental physical loss or damage such as by fire, typhoon, gas explosion, flooding, landslip and subsidence or theft)
Plan A - $1,000,000
Plan B - $750,000
$100,000 per item, set or collection
The maximum cover for
Valuables
1/3 of the section limit chosen
$15,000 per item
Money
$5,000
$1,000 per loss
Extra Benefits
a. Household removal - for loss of or damage to Household Contents during the course of removal by a professional remover
$100,000
b. Alternative accommodation/ Loss of rent - should your home becomes uninhabitable due to insured damages
$50,000
c. Temporary removal of Household Contents - for repairing or cleaning
$50,000
d. Fatal accident - should you or your spouse pass away within 3 months from injury caused by fire or burglars in your home
$50,000
e. Burglary harm allowance - if you or your spouse sustains injury caused by burglars in your home
$5,000
f. Loss of personal effects in office
$2,500
g. Loss of personal effects/ money on business trips
$2,500
h. Domestic servant's property
$5,000
i. General holidays increment - for loss of money in burglary happened during public holidays
$2,000 per incident
j. Damaged locks - for replacement cost due to burglary
$2,500
k. Frozen food - if food in freezer rots due to freezer failure
$5,000
l. Home quarantine allowance - if being confined at home involuntarily in quarantine as declared by the local authority
$5,000
$500 x 10 days
m. Tenant's liability - for loss of or damage to landlord's property
10% of the section limit
Personal Liability (Free)
Any claim against you or your family members in the event of your negligence causing third party injury or property damage,
$5,000,000
and it extends to
- Contingent contractor's liability
- Owner's liability in common area
$1,000,000
24-Hour Home Emergency Assistance (Free)
Building (Optional)
Building
(for the structural part of your home including flooring, walls, ceiling, windows and doors and their subsequent household improvement)
Sum Insured
Alternative accommodation
(should your home becomes uninhabitable due to insured damages)
$50,000
Removal of debris
(after the damage or destruction to your building)
$10,000
Important Notes:
  1. The premises or building to be insured must be less than 40 years of age.
  2. The premises or building to be insured must be for residential use. No industrial or commercial buildings will be covered.
  3. The premises to be insured must be Your Family’s and your principal place of residence located in Hong Kong SAR and is not a village house or the likes.
  4. You and Your Family must comply with all statutory obligations and take reasonable steps to prevent loss or damage; to maintain any insured property in good condition and sound repair; and to fulfill the requirement of the deed of mutual covenant, any other relevant regulations or statutory instruments relating to the Building and your Home. .
  5. Walls, flooring, doors with frames, windows with frames and the ceiling and their improvements and betterments made by You within the insured premises are covered under the Building Section.
  6. If You would like to insure any Valuable Property exceeding HK$15,000, You should provide relevant invoice to prove its value at the time of application.

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
Gross Floor Area (sq ft)
Annual Premium (HK$)
Plan A
Plan B
Up to 500
1,030
790
501 - 700
1,430
1,090
701 - 1,000
1,820
1,390
1,001 - 1,500
2,430
1,860
1,501 - 2,000
2,860
2,190
Over 2,000
Please refer to MSIG or your insurance advisor
Worldwide Personal Liability
Free
24-Hour Home Emergency Assistance
Free
Building
0.09%
 
The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
For all Sections:
  • Sub-divided home or sub-let premises
  • Insured premises that is situated in a building where sub-divided flats are known to exist
  • Insured premises that is used for business purpose or as a holiday home
  • Unoccupied premises for more than 30 consecutive days
  • Illegal structure exists in the insured premises

For Household Contents Section:
  • Contents on roof or in open area
  • Mobile / portable radio telecommunication equipment e.g. mobile/ portable telephones and pagers
  • Any loss or damage caused by:
    • Domestic animals which you own or are in your custody or control
    • Inherent fault or defective workmanship, defective material or design
    • Mysterious disappearance or unexplained loss
    • Mechanical breakdown and/ or malfunction of electrical appliances and computer equipment
    • Wear and tear
    • Sonic bangs
  • Motor vehicles
  • Livestock, pets and animals
  • Any items that fall under the definition of “Building” as described below:
    • The structural part of your Home including but not limited to fabric walls and the wall paint, flooring, doors with frames, windows with frames
    • Permanent fixtures and fittings including but not limited to skirting, water pipes, electric cables/wiring, fixed glass, sanitary fixtures, fixed or permanently installed on the structural parts of your Home
    • Outbuildings at your Home used for domestic purposes
    • Swimming pools, tennis hard courts, garden walls, patios, terraces, hedges, fences, gates, paths and drives, that are forming part of your Home (but not retaining walls, foundations and drains)

Major Excesses
Household Contents
Excess Amount (HK$)
General items
250
Household removal excess
1,000
Landslip and subsidence excess
10,000 or 10% (whichever is greater)
Personal Liability
Excess Amount (HK$)
Water damage excess
3,000

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
Tenant Protector
  • Product Features
  • Benefits Table
  • Premium
  • Major Exclusions
  • Cover up to HK$5,000,000 for loss of or damage to the landlord’s contents, fixture and fittings for which you are legally liable as a tenant
  • Your own contents protection up to HK$500,000
  • Expense for alternative accommodation or rental payment if your home becomes uninhabitable due to insured damages, compensation up to HK$50,000
  • Security deposit protection for the amount you have paid to the landlord who goes into bankruptcy, cover up to HK$10,000 or 50% of the deposit
  • Worldwide sports equipment cover up to HK$2,500

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
Coverage Maximum Benefit Payable Per Year (HK$)
Gross Floor Area 800 sq.ft. or below 801 - 1,000 sq.ft. 1,001 - 1,200 sq.ft.
1. Contents (Basic Cover) 300,000 in the aggregate, inclusive of all sub-limits under Extra Benefits 400,000 in the aggregate, inclusive of all sub-limits under Extra Benefits 500,000 in the aggregate, inclusive of all sub-limits under Extra Benefits
- Accidental loss of or damage to your contents including furniture, fixtures and fittings, household appliances, personal computer etc 300,000
(50,000 per item, set or collection)
400,000
(50,000 per item, set or collection)
500,000
(50,000 per item, set or collection)
- Valuable property e.g. Jewellery, watches, photographic equipment etc 1/3 of the Sum Insured (15,000 per item, set or collection)
- Money, Stamps, coins and medals
i) Money
ii) Stamps, coins, medals
5,000
1,000 per occurrence
1,000 per collection
- Others 5,000 per item, set or collection
- Household improvements – improvements and betterments on walls, windows, ceiling, floors and doors 50,000
Extra Benefits
a. Loss of security deposit – if your landlord goes into bankruptcy and fails to repay your security deposit 10,000 or 50% of the deposit, whichever is the lower
b. Alternative accommodation - if your home becomes uninhabitable due to insured damages 50,000 (1,500 per day)
c. Fatal accident benefit – if you or your family member pass away within three months following injury caused in your home by fire or thieves 50,000
d.
Burglary / robbery harm allowance – if you or your family member sustain injury caused by burglars or robbers in your home with four or more consecutive days of sick leave granted by a doctor
5,000
e. Damaged locks - replacement and installation cost if windows, gate or external door locks are damaged as a result of burglary or attempted theft 5,000
f. Removal of debris 10,000
g. Household removal – for loss of or damage to contents during the course of removal by a professional remover 100,000
(10,000 per item)
h.
Temporary storage of contents – loss of or damage to contents during temporary storage in a furniture depository within Hong Kong for up to 30 days
50,000
i. Replacement of personal documents due to accidental loss or damage 1,000
j. Sports equipment (worldwide cover) 2,500
k. Landslip and subsidence extension – loss of or damage to contents directly caused by landslip or subsidence Covered
l. Alterations and repairs – accidental loss of or damage to contents while the insured premises is under alteration or repair Covered
(contract period not exceeding two months and within maximum contract value of 100,000)
2. Personal Liability (Free Cover)
a. Any claim against you and your family members in the event of negligence causing loss of or damage to the contents and fixtures and fittings belonging to your landlord 3,000,000 per occurrence 4,000,000 per occurrence 5,000,000 per occurrence
b. Your legal liability as tenant in respect of causing third party bodily injury or property damage
c. Worldwide personal liability (other than as tenant)
d.
Your legal liability as tenant whilst alteration and repair works are carried out at the insured premises
Covered
(contract period not exceeding two months and within maximum contract value of 100,000)
e. Your legal liability as pet owner Covered (cats and dogs only)
24-hour Home Assistance Service (Free Cover)
- Offers immediate assistance on referral services if you encounter any problems with your home Referral services

Important Notes:
  1. The premises or building to be insured must be less than 40 years of age.
  2. The premises or building to be insured must be for residential use. No industrial or commercial buildings will be covered.
  3. The premises or building to be insured must be Your Family’s and your principal place of residence located in Hong Kong SAR.
  4. The premises or building is not a sub-divided home or sub-let property and is not a village house or the likes.
  5. The premises to be insured must not be situated on ground floor.
  6. An enforceable Tenancy Agreement shall be effective on/before the Policy Commencement Date and agree to present the Tenancy Agreement upon request.
  7. You and Your Family must comply with all statutory obligations and take reasonable steps to prevent loss or damage; to maintain any insured property in good condition and sound repair; and to fulfill the requirement of the deed of mutual covenant, any other relevant regulations or statutory instruments relating to the Building and your Home.
  8. All insurance products offered on this website are underwritten by MSIG Insurance (Hong Kong) Limited ("MSIG"). MSIG is a general insurer licensed and regulated by the Commissioner of Insurance of the Hong Kong SAR.

Remarks: For the above item 4 & 5, if the to be insured premises is situated on ground floor or a village house or the likes, please contact us for separate underwriting / conditions.


The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.

Gross Floor Area 800 sq.ft. or below 801 - 1,000 sq.ft. 1,001 - 1,200 sq.ft.
Annual Premium HK$688 HK$988 HK$1,288
 
The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
Major Exclusion
  • Sub-divided home or sub-let premises
  • Insured premises that is situated in a building where sub-divided flats are known to exist
  • Insured premises that is used for business purpose or as a weekend/ holiday home
  • Unoccupied or unfurnished premises
  • Illegal structure exists in the insured premises
 
Major Excesses
Household Contents
Excess Amount (HK$)
General items
500
Household Removal
1,000
Landslip and subsidence
10,000 or 10% of adjusted loss,
whichever is greater
Water damage 
1,000 or 5% of adjusted loss,
whichever is the greater
Personal Liability
Excess Amount (HK$)
Water damage
3,000 or 10% of adjusted loss,
whichever is the greater
Landlord's Home or Contents 
10,000
 
The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
Landlord Protector
  • Product Features
  • Benefits Table
  • Premium
  • Major Exclusions
  • Loss of rent cover up to HK$80,000 or 3-month rental income
  • Property owner's liability protection up to HK$8,000,000
  • Rental property protection including fixtures and fittings, furniture and household appliances up to HK$400,000
  • Temporary removal of contents for loss of or damage to contents whilst temporarily removed for cleaning, renovation or repair up to HK$50,000
  • Optional Building cover

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
Coverage Maximum Benefit Payable Per Year (HK$)
Gross Floor Area 800 sq.ft. or below 801 - 1,000 sq.ft. 1,001 - 1,200 sq.ft.
1. Contents and Loss of Rent
1.1 Contents (Basic Cover)
200,000 in the aggregate, inclusive of all sub-limits under Extra Benefits
300,000 in the aggregate, inclusive of all sub-limits under Extra Benefits
400,000 in the aggregate, inclusive of all sub-limits under Extra Benefits
- Accidental loss of or damage to your contents including furniture, fixtures and fittings and household appliances 200,000
(15,000 per item, set or collection)
300,000
(15,000 per item, set or collection)
400,000
(15,000 per item, set or collection)
-
Household improvements – improvements and betterments on walls,
windows, ceiling, floors and doors
50,000
Extra Benefits
a.
Damaged locks - replacement and installation costs if windows, gate or
external door locks and keys are damaged due to burglary or attempted theft
5,000
b. Removal of debris 10,000
c. Temporary removal of contents - loss of or damage to contents whilst temporarily removed for cleaning, renovation or repair within Hong Kong 50,000
d. Landslip and subsidence extension – loss of or damage to contents directly caused by landslip or subsidence Covered
e.
Alterations and repairs – accidental loss of or damage to contents while
the insured premises is under alteration or repair
Covered
(contract period not exceeding two months and within maximum contract value of 100,000)
1.2 Loss of Rent (Basic Cover)
80,000 or total rent of maximum three months, whichever is the lower
We will cover your loss of rent in respect of the following situation:
a. If your premises is uninhabitable due to accidental loss of or damage to contents as insured Covered
b.
If access to your premises is prevented by damage to other premises in
the vicinity
c. If your tenant dies as a result of murder or suicide and no one is paying the rent
d.
If your tenant fails to pay the rent and you have
i) taken legal action; and
ii) obtained court judgment; and
iii) could not receive the payment within one month after the court ruling
20,000
2. Property Owner’s Liability (Free Cover)
- Any claim against you as the owner of the insured premises in the event of accident causing third party’s bodily injury or property damage 5,000,000 per occurrence 6,000,000 per occurrence 8,000,000 per occurrence
- Your legal liability as the owner of the insured premises whilst alteration or repair works are carried out at the insured premises
Covered
(contract period not exceeding two months and within maximum contract value of 100,000)
3. Building1 (Optional Cover)
- Accidental loss of or damage to the structural part of your premises Sum insured2
- Landslip and subsidence extension – loss of or damage to the structural part of your premises directly caused by landslip or subsidence Covered
Important Notes:
  1. The premises or building to be insured must be less than 40 years of age.
  2. The premises or building to be insured must be for residential use. No industrial or commercial buildings will be covered.
  3. The premises or building to be insured must be Your Family’s and your principal place of residence located in Hong Kong SAR.
  4. The premises or building is not a sub-divided home or sub-let property and is not a village house or the likes.
  5. The premises to be insured must not be situated on ground floor.
  6. An enforceable Tenancy Agreement shall be effective on/before the Policy Commencement Date and agree to present the Tenancy Agreement upon request.
  7. You and Your Family must comply with all statutory obligations and take reasonable steps to prevent loss or damage; to maintain any insured property in good condition and sound repair; and to fulfill the requirement of the deed of mutual covenant, any other relevant regulations or statutory instruments relating to the Building and your Home.
  8. All insurance products offered on this website are underwritten by MSIG Insurance (Hong Kong) Limited ("MSIG"). MSIG is a general insurer licensed and regulated by the Commissioner of Insurance of the Hong Kong SAR.

Remarks: For the above item 4 & 5, if the to be insured premises is situated on ground floor or a village house or the likes, please contact us for separate underwriting / conditions.

 
Applicable for Optional Cover (Building Section)
    1. Walls, flooring, doors with frames, windows with frames and the ceiling and their improvements and betterments made by You within the insured premises are covered under the Building Section.
    2. The sum insured for the Building cover should represent the full cost of rebuilding the Insured Address (including the costs of fixtures and fittings, renovation, debris removal, professional fees and compliance costs).
 
The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.

Gross Floor Area 800 sq.ft. or below 801 - 1,000 sq.ft. 1,001 - 1,200 sq.ft.
Annual Premium HK$798 HK$1,088 HK$1,388

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.

Major Exclusion
  • Sub-divided home or sub-let premises
  • Insured premises that is situated in a building where sub-divided flats are known to exist
  • Insured premises that is used for business purpose or as a weekend/ holiday home
  • Unoccupied or unfurnished premises
  • Illegal structure exists in the insured premises
 
Major Excesses
Household Contents
Excess Amount (HK$)
General items
500
Landslip and subsidence
10,000 or 10% of adjusted loss,
whichever is greater
Water damage 
1,000 or 5% of adjusted loss,
whichever is the greater
Personal Liability
Excess Amount (HK$)
Water damage
3,000 or 10% of adjusted loss,
whichever is the greater
Building (Option Cover)
Excess Amount (HK$)
General item
250
Landslip and subsidence
10,000 or 10% of adjusted loss,
whichever is the greater
 
The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.