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Home Insurance Series
Whether you are a landlord, tenant or homeowner who hired domestic helper, we offer four plans that will suit your needs and give your home, its contents and your family members some much-needed protection.
Limited Time Offer
Apply on or before 31 Dec 2024 with promo code "MSIG20" to enjoy 45% off#
Extra rewards#:
Login for HK$1 net premium spent = MSIG$1
Redeem your gift on MSIG mobile app
# Asia Miles promotion cannot be used in conjunction with promo code and MSIG$ offer at the same time per policy.
Terms and Conditions
Key Features
iHome Insurance Plan Highlights
Domestic Helper Highlights* (Optional)
*14 days waiting period from the effective date of the insurance shall be applicable under Clinical Expenses, Surgical & Hospitalisation Expenses, Service Interruption and Dental Expenses for each domestic helper during which no benefits shall be payable.
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.
| Benefits | Maximum Benefits Payable (HK$) |
|---|---|
Basic Covers |
|
| Household Contents (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 |
| Valuable Property at home (such as jewellery, watches etc.) |
1/3 of the Household Contents sum insured (15,000 per item) |
| Household improvements | 10% of the Household Contents sum insured or 100,000 (whichever is the lesser) |
| Money, stamps, coins or medals at home (such as cash, cheques, travel ticket etc.) |
5,000 (1,000 per loss for money or per collection) |
| Photographic equipment (such as camera or portable video camera or its accessories / ancillary equipment) |
2,000 |
| Brittle items (such as articles of glass, china, earthenware, crystal or bottles of wine / liquor etc.) |
5,000 per piece, set, collection or bottle |
| Sunglasses or eyeglasses | 1,000 |
Extra Benefits |
|
| Household removal Cover loss of or damage to Household Contents during home removal by a professional remover |
100,000 (10,000 per item) |
| Alternative accommodation / loss of rent If your home becomes uninhabitable due to an insured damage |
50,000 (1,500 per day for alternative accommodation) |
| Temporary removal Cover loss of or damage to Household Contents that are temporarily removed for repairing, cleaning or renovation |
50,000 |
| Fatal accident If you or your family members pass away within 3 months from injury caused by fire or burglars in your home |
50,000 |
| Burglary / robbery harm allowance# If you or your family members sustain injury caused by burglars in your home |
10,000 |
| Loss of personal effects in your office | 2,500 |
| Loss of personal effects / money on business trips | 5,000 (2,500 per occurrence) |
| Loss or damage to domestic helper's property | 5,000 |
| General holidays increment Cover accidental loss of money at home during public holidays |
Increased to 2,000 per accident |
| Damaged locks Replacement and installation cost if lock(s) of windows, gate or external door are damaged due to burglary or attempted theft |
2,500 |
| Frozen food and drinks If food and drinks are spoilt in the freezer due to freezer failure |
5,000 |
| Tenant's liability Cover loss or damage to landlord's property due to insured damages |
10% of the Household Contents sum insured |
| Removal of damaged household contents | 10,000 |
| Alterations and repairs Loss of or damage to contents while alteration or repair works are carried out at your home (contract period not exceeding two months and exterior works do not exceed 20% of the total contract value) |
Covered (maximum contract value of 150,000) |
| Breakage of window glass during typhoon | 10,000 |
| Landslip & subsidence extension If loss or damage is caused to your home directly by landslip or subsidence |
Covered |
| Accidental damage to mobile phone / tablet or laptop computer (this benefit is not applicable if you or your family members are below 18 years of age at the time of the damage) |
2,000 (one device in aggregate) |
| Online purchased goods protection For non-delivery or accidental damage upon delivery of goods (the value of purchased items must be at least HK$500 per order) |
10,000 (2 occurrences in aggerate and 1,500 per item) |
| Psychiatric services# if you or your family members diagnosed to be suffering from post-traumatic stress disorder by a physician as a direct result of kidnapping, abduction, home invasion or mugging |
10,000 |
| Eco Living Coverage^ Additional cover for each eligible lost or damaged item |
1,000 or 10% of the purchase price of the replacing item, whichever is lower |
Personal Liability (Free) |
|
|
8,000,000 |
|
Covered (maximum contract value of 150,000) |
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 improvements |
Sum Insured |
| Alternative accommodation / loss of rent If your home is uninhabitable due to an insured loss or damage |
50,000 (1,500 per day for alternative accommodation) |
| Removal of debris Cover the cost of removal of debris following accidental damage to your building |
10,000 |
| Landslip and subsidence extension If loss or damage is caused to your home directly by landslip or subsidence |
Covered |
Domestic Helper Benefits (Optional) |
|
| Clinical Expenses Medical treatment from a clinic for sickness or bodily injury resulting from an accident |
200 per visit per day |
| - Chinese medical practitioner and physiotherapist | 100 per visit per day up to 500 per year |
| Aggregate limit | 4,000 per year |
| Surgical and Hospitalisation Expenses Hospital confinement for surgery or treatment of sickness or bodily injury resulting from an accident |
30,000 |
| - Room & board charges | 300 per day |
| - Surgeon's fees | 10,000 per operation |
| - Anaesthetist Fees | 25% of surgeon's fees |
| - Operating theatre charges (Includes Day Care Surgery) | 12.5% of surgeon's fees |
| Aggregate limit | 30,000 per year |
| Service Interruption Loss of service resulting from the confinement of domestic servant in a hospital for at least one day for surgery or treatment of bodily injury or sickness |
6,000 per year (300 per day) |
| Dental Expenses Dental treatment including oral surgery, treatment of abscesses, X-rays, extractions or fillings as a result of dental disease |
Two-thirds of actual expenses up to 1,500 per year |
| Personal Accident Benefit Accidents occurring during domestic helper's rest days resulting in death, loss of limbs or sight |
100,000 per year |
| Repatriation Expenses Repatriation of your domestic helper who is certified as medically unfit to complete the contract, or in the event of death, the repatriation of his/her mortal remains to the country of residence |
20,000 per year |
| Replacement Helper Expenses Extra expenses reasonably and necessarily incurred for getting a new helper in the event your domestic helper is repatriated due to serious injury, illness or death |
10,000 per year |
| Fidelity Guarantee Pecuniary loss caused by fraud or dishonesty committed by your domestic servant (Includes unauthorised telephone calls) |
10,000 per year (Inclusive of max 3,000 per year for unauthorised telephone calls) |
| Replacement and Installation Cost of Main Door or Metal Gate Lock Replacement and installation cost of main door lock or metal gate lock following the termination of employment contract with the domestic helper due to discovery of any act of infidelity or repatriation of the domestic helper (Replacement and installation must be undertaken within 7 days after the termination of employment contract with the domestic helper) |
500 per year |
| Medical Protection for Abuse of Your Family - Medical expenses for the bodily injury of Child/Elderly caused by helper’s malicious acts Including Trauma Counselling Expenses |
10,000 per year Inclusive of max 1,000 per visit per day for Trauma Counselling Expenses |
| Automatic Extension of Cover Cover will be automatically extended free of charge for the period between the termination of one domestic helper and the arrival of a new one |
Max period of extension 3 months per year |
Worldwide Personal Possessions (Optional) |
These benefits are not available for online enrolment. Please contact our customer service at 3122 6922 from 9:00 am to 5:30 pm (Monday to Friday, except public holidays) for details. |
Personal Accident (Optional) |
|
#Either Burglary/robbery harm allowance or Psychiatric services is payable
^Provides additional coverage of up to HK$1,000 per eligible Household Appliances item, which has been totally lost or destroyed or cannot be economically repaired, enabling the replacement of Energy Label Product with minimum Grade 2 recognition under the Mandatory Energy Efficiency Labelling Scheme
iHome Insurance Important Notes:
Domestic Helper Important Notes:
The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording. In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
| Gross Floor Area (sq ft) | Annual Premium (HK$) | |||
|---|---|---|---|---|
| Plan A | Plan B | Plan A with Domestic Helper Insurance | Plan B with Domestic Helper Insurance | |
| 500 or below | 1,340 | 1,100 | 2,090 | 1,850 |
| 501 - 700 | 1,740 | 1,400 | 2,490 | 2,150 |
| 701 - 1,000 | 2,170 | 1,740 | 2,920 | 2,490 |
| 1,001 - 1,500 | 2,780 | 2,210 | 3,530 | 2,960 |
| 1,501 - 2,000 | 3,250 | 2,580 | 4,000 | 3,330 |
| Over 2,000 | Please call our Customer Services Hotline 3122 6922 | |||
| Personal Liability | Free | |||
| 24-Hour Home Emergency Assistance | Free | |||
| Building | 0.09% on Sum Insured | |||
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.
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:
For Household Contents Section:
For Domestic Helper Section:
Major Excesses
| Major Excess | Excess Amount (HK$) |
|---|---|
| Household Contents | |
| General items | 500 |
| Water damage | |
| i) for multi-storey building | |
| a) building age: (30 years or below) | 1,000 or 5% of loss, whichever is the greater |
| b) building age: (31 - 40 years) | 3,000 or 10% of loss, whichever is the greater |
| c) building age: (41 - 50 years) | 5,000 or 20% of loss, whichever is the greater |
| ii) other than i) above | Case by case |
| Household removal excess | 1,000 |
| Landslip and subsidence excess | 10,000 or 10% of adjusted loss, whichever is greater |
| Personal Liability | |
| Water damage | 3,000 |
| Building | |
| Water damage | 1,000 or 10% of adjusted loss, whichever is greater |
| Landslip and subsidence excess | 10,000 or 10% of adjusted loss, whichever is greater |
| Other damage | 250 |
The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording. In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording. In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
| Benefit | Maximum Benefit Payable Per Year (HK$) | ||
|---|---|---|---|
| Gross Floor Area (sq ft) | 800 or below | 801 - 1,000 | 1,001 - 1,200 |
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 |
| Content 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 Household improvements – improvements and betterments on walls, windows, ceiling, floors and doors |
50,000 | ||
Extra Benefits |
|||
| 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 | ||
| Removal of Debris After the damage or destruction to your home |
10,000 | ||
| Temporary removal of contents Loss of or damage to contents whilst temporarily removed for cleaning, renovation or repair within Hong Kong |
50,000 | ||
| Landslip and subsidence extension Loss of or damage to contents directly caused by landslip or subsidence |
Covered | ||
| 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) |
||
| Eco Living Coverage^ Additional cover for each eligible lost or damaged item |
1,000 or 10% of the purchase price of the replacing item, whichever is lower | ||
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: If your premises is uninhabitable due to accidental loss of or damage to contents as insured |
Covered | ||
| If access to your premises is prevented by damage to other premises in the vicinity | |||
| If your tenant dies as a result of murder or suicide and no one is paying the rent | |||
| 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 | ||
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) |
||
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 | ||
^Provides additional coverage of up to HK$1,000 per eligible Household Appliances item, which has been totally lost or destroyed or cannot be economically repaired, enabling the replacement of Energy Label Product with minimum Grade 2 recognition under the Mandatory Energy Efficiency Labelling Scheme
Important Notes:
The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording. In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
| Gross Floor Area (sq ft) | 800 or below | 801 - 1,000 | 1,001 - 1,200 |
|---|---|---|---|
| Annual Premium (HK$) | 798 | 1,088 | 1,388 |
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
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 Excesses
| Major Excess | Excess Amount (HK$) |
|---|---|
| Household Contents | |
| General items | 500 |
| Landslip and subsidence excess | 10,000 or 10% of adjusted loss, whichever is greater |
| Water damage | 1,000 or 5% of adjusted loss, whichever is the greater |
| Personal Liability | |
| Water damage | 3,000 or 10% of adjusted loss, whichever is the greater |
| Building | |
| General item | 250 |
| Landslip and subsidence excess | 10,000 or 10% of adjusted loss, whichever is greater |
The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording. In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording. In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
| Benefit | Maximum Benefit Payable Per Year (HK$) | ||
|---|---|---|---|
| Gross Floor Area (sq ft) | 800 or below | 801 - 1,000 | 1,001 - 1,200 |
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 |
| Content 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 Includes jewellery, watches, photographic equipment etc |
1/3 of the sum insured (15,000 per item, set or collection) |
||
| Money, Stamps, coins and medals | 5,000 | ||
| - Money | 1,000 per occurrence | ||
| - Stamps, coins, medals | 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 |
|||
| 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 | ||
| Alternative accommodation If your home becomes uninhabitable due to insured damages |
50,000 (1,500 per day) | ||
| 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 | ||
| 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 | ||
| 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 | ||
| Removal of debris After the damage or destruction to your home |
10,000 | ||
| Household removal For loss of or damage to contents during the course of removal by a professional remover |
100,000 (10,000 per item) | ||
| 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 | ||
| Personal documents Replacement of personal documents due to accidental loss or damage |
1,000 | ||
| Sports equipment (worldwide cover) Loss of or damage to sports equipment anywhere in the world |
2,500 | ||
| Landslip and subsidence extension Loss of or damage to contents directly caused by landslip or subsidence |
Covered | ||
| 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) |
||
Personal Liability (Free Cover) |
|||
| 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 |
| Your legal liability as tenant in respect of causing third party bodily injury or property damage | |||
| Worldwide personal liability (other than as tenant) | |||
| 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) |
||
| 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:
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) | 800 or below | 801 - 1,000 | 1,001 - 1,200 |
|---|---|---|---|
| Annual Premium (HK$) | 688 | 988 | 1,288 |
Collection of Levy on Insurance Premium : Insurance Authority (IA) has announced the collection of levy on insurance premium under the 'Insurance Ordinance' with effect from 1st January 2018. As a result, all premium amounts shown in this webpage are subject to levy. For further information, please visit www.ia.org.hk/en/levy
The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording. In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
Major Excesses
| Major Excess | Excess Amount (HK$) |
|---|---|
| Household Contents | |
| General items | 500 |
| Household Removal | 1,000 |
| Landslip and subsidence excess | 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 | |
| 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.
