Home Insurance

• 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$10,000
• Extended fatal accident benefit to cover your family members
• Increased personal liability cover to HK$8,000,000 and removed sub-limit of owner's liability in common area
• Enhanced optional building cover

^#Either Burglary/robbery harm allowance or Psychiatric services is payable
^{^}Provides additional coverage of up to HK$1,000 per eligible Household Appliances item, which has been totally lost or destroyed or cannot be economically repaired, enabling the replacement of Energy Label Product with minimum Grade 2 recognition under the Mandatory Energy Efficiency Labelling Scheme

Important Notes:

1. The premises or building to be insured must be less than 46 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 to be insured must be not a sub-divided home or sub-let premises.
5. The premises to be insured is not a village house / bungalow /duplex house / townhouse / detached house or the likes.
6. The premises to be insured must not be situated on ground floor or not include any kind of roof/rooftop.
7. The premises to be insured must be built of and roofed with bricks, stones or concrete, and must have no illegal structure or outbuilding items or any household improvements made of glass, metal, plastic or the like (Not applicable to non-structural indoor items).
8. The policy does not cover any household contents contained in or on balcony, patio, terrace, roof, verandah, forecount or backyard of your Home or in the open generally;
9. The sum insured for 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).
10. An enforceable Tenancy Agreement shall be effective on/before the policy effective date and agree to present the Tenancy Agreement upon request.
11. You and your family must comply with all statutory obligations and take reasonable steps to prevent loss or damage; and to maintain any insured property in good condition and sound repair; if the premises to be insured is constructed with an open kitchen, the relevant fire safety rules and regulations must be complied; 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; Contravention of any regulatory requirements or rules may invalidate the coverage provided by this policy.

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.

Collection of Levy on Insurance Premium : Insurance Authority (IA) has announced the collection of levy on insurance premium under the "Insurance Ordinance" with effect from 1st January 2018. As a result, all premium amounts shown in this webpage are subject to levy. For further information, please visit www.ia.org.hk/en/levy.

• Any accident, loss, damage or liability which occurred or existed
• 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

• Contents on roof or in open area
• 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
• Disappearance / loss of any item (unless following a forcible and violent entry to or exit from your Home which has been reported to the police authority in person within 24 hours of discovery)
• Theft by authorised person entered to your home
• Mechanical breakdown and/ or malfunction of electrical appliances and computer equipment
• Wear and tear, inadequate maintenance
• Deterioration of food or drinks (unless specifically provided under extra benefits)
• Atmospheric or climatic conditions, action of light
• Seepage of water (unless caused by typhoon, windstorm or rainstorm)
• Sonic bangs
• Motor vehicles
• Livestock, pets and animals
• Any items also covered under Worldwide Personal Possessions / Building section