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Latest Promotion

FamilySurance Plus 4.0

FamilySurance Plus 4.0 with Domestic Servant

Tenant Protector

Landlord Protector

Latest Promotion
  • Home Insurance Promotions

From now till 28 Dec 2017, apply MSIG Home Insurance Series online to enjoy fabulous offer:

Insurance Plan Promotion Offer
FamilySurance 4.0 Plus
New! FamilySurance Plus 4.0 with Domestic Servant
Landlord Protector
Tenant Protector
30% OFF
 

Tenant Protector Insurance
With rent being nearly impossible to afford, if an accident were to damage the landlord’s property There are almost no tenant with the financial capacity to repair the damage.
The Tenant Protector offers all inclusive protection to all tenants covering damage to the landlord’s property, repair costs, and even deposit lost.
Get protected for just HK$1.4 per day
 
Landlord Protector Insurance
The most frustrating thing for a landlord is to meet a difficult tenant. Whether they refuse to pay rent or damage the property.
The Landlord Protector protects landlords by offering protection against lost of rent, property damage, and we offer complimentary liability protection.
For just HK$47 a month, you will be protected from lost of rent up to HK$80,000
 
FamilySurance Plus 4.0 with Domestic Servant
If you are looking for an insurance plan that protects all facets of your home look no further. MSIG proudly introduce FamilySurance Plus 4.0 with Domestic Servant, this single plan will protect you from all your worries including your property, your helper, your assets, any liabilities… One plan to protect everything in your household.
No additional costs apply when the current helper is replaced during the policy period, offering greater flexibility.
This plan also covers damage to personal items and every person living in the insured household enjoys up to HK$5 million of liability protection.
 
FamilySurance Plus 4.0
No one can control the weather and many natural disasters may damage your home and property. Our FamilySurance Plus 4.0 provides comprehensive cover for your home contents from typhoons, floods, landslides, sinkholes, break ins… To ensure that your property is safe in any situation.
The plan also covers any damage or loss of personal property while moving or in the office, and we offer complimentary liability protection up to HK$5 million.

Terms and Conditions:

  1. The promotion period is between 24 Nov 2017 and 28 Dec 2017 (both days inclusive) (the "Promotion Period").
  2. Offers under the promotion are available to successful applicants of FamilySurance Plus 4.0, FamilySurance Plus 4.0 with Domestic Servant,Landlord Protector, Tenant Protector of MSIG Insurance (Hong Kong) Limited ("MSIG") through online during the Promotion Period ("Eligible Customer").
  3. Eligible customers must input the designated promotional code when conducting Eligible Transactions in order to redeem HK$100 extra discount offer.
  4. 4. All discounts and rewards are non-exchangeable and non-refundable. MSIG can replace the rewards with alternative rewards without prior notice.
  5. MSIG reserves the right to alter or terminate the promotional offers and/or amend the terms and conditions at any time without notice.
  6. 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.
  7. 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.
  7. 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.
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%
  • 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:
  • 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.
FamilySurance Plus 4.0 with Domestic Servant
  • Product Features
  • Benefits Table
  • Premium
  • Major Exclusions
Key Features:
  • All Risks home contents protection up to HK$100,000 per item, set or collection with a maximum benefit of HK$1,000,000 per year
  • Cover 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 cover 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 third party in respect of accidental injury or property damage up to HK$5,000,000
  • Owner's liability in common area cover up to HK$1,000,000

Domestic Servant Benefits:
  • Covers your legal obligation as an employer for your domestic servant
  • Comprehensive medical and related expenses cover including surgical and hospitalization expenses, clinical and dental expenses with no excess
  • Cash allowance if your domestic servant is confined in a hospital for more than 1 day as an in-patient for sickness or surgery causing loss or interruption of service

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 up to HK$2,500
  • Cover 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

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

Valuables Property at home (such as jewellery, watches, photographic equipment etc.)

1/3 of the Household Contents Sum Insured
15,000 per item

Money at home (such as cash, cheques, travel ticket etc.)

5,000
(1,000 per loss)
Extra Benefits
a. Household Removal - cover loss or damage to Household Contents during home removal by a professional remover
100,000
b. Alternative Accommodation / Loss of Rent - cover the cost of temporary accommodation / loss of rent if your home become uninhabitable due to insured damages
50,000
c. Temporary Removal - cover loss or damage to Household Contents that are temporarily removed for repair or cleaning
50,000
d. Fatal Accident Benefit - if 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 provided that the injury results in granting of sick leave of not less than 4 consecutive days
5,000
f. Loss of personal effects in your office
2,500
g. Loss of personal effects/money on business trips
2,500
h. Loss or damage to domestic servant's property
5,000
i. General Holidays Increment - cover loss of money at home when burglary happened during public holidays
2,000 per incident
j. Lock - cover the cost of repair of broken doors, locks and windows due to burglary
2,500
k. Frozen Food - cover the cost of deterioration of frozen food 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 per day)
m. Tenant's Liability - cover loss or damage to landlord's property due to insured damages
10% of the Household Contents Sum Insured
Domestic Servant (Cover B)
a. Employees’ Compensation Cover - Your liability as an employer under the law
100,000,000
b. Clinical Expenses - Out-patient medical treatment received from registered medical practitioner in the event of bodily injury or sickness
  • Bonesetter treatment HK$100 per visit per day and up to HK$500 per year
3,000
(150 per visit per day)
c. Surgical and Hospitalisation Expenses - Hospital confinement for surgery or treatment of bodily injury or sickness
  • HK$300 per day for room and board, and other miscellaneous hospital services;
  • HK$10,000 per surgical operation
30,000
d. Service Interruption Cover - Loss of service resulting from the confinement of domestic servant in a hospital at least one day for surgery or treatment of bodily injury or sickness
6,000
(200 per day)
e. Dental Expenses - Dental treatment including oral surgery, treatment of abscesses, X-rays, extractions or fillings as a result of dental disease
1,500
(Two-thirds of actual
expenses per claim)
f. Personal Accident Benefit - Accidental bodily injury resulting in death or permanent disablement during his/her rest days within 12 months from the date of accident 
100,000
g. Repatriation Expenses - Repatriation of your domestic servant who is certified by registered medical practitioner as medically unfit to complete the contract in the event of serious sickness or bodily injury, or the repatriation of his/her mortal remains to the country of residence in the event of death
20,000
h. Replacement Helper Expenses - a reasonable and necessary expenses actually incurred for employing a new domestic servant in the event that the insured repatriates the existing domestic servant due to serious illness, bodily injury or death
3,000
i. Fidelity Guarantee Cover - Pecuniary loss caused by fraud or dishonesty committed by your domestic servant
  • HK$3,000 for unauthorised telephone calls per year
10,000
j. Replacement and Installation Cost of Main Door or Metal Gate Lock - Cost of main door lock or metal gate lock following the termination of employment contract with the domestic servant due to discovery of any act of infidelity or repatriation of the domestic servant
(Replacement & installation must be undertaken within 7 days after the termination of employment contract.)
500
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 -
cover the cost of temporary accommodation if your home becomes uninhabitable due to insured damages
50,000
Removal of Debris -
cover the cost of Removal of Debris following accidental damage 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 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 premises 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 Effective 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. 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.
  9. This plan is only applicable for the foreign domestic servant who is employed by You for full time domestic duties and is aged between 16 and 65.
  10. A standard Employment Contract as specified by the Director of Immigration (Hong Kong) must be entered into between You and the insured Domestic Servant, and it shall be effective on/before the Policy Effective Date.
  11. The insured Domestic Servant must hold a valid employment visa issued by Hong Kong Immigration Department in connection with the employment between You and the insured Domestic Servant for the full time domestic duties as specified in the standard Employment Contract. 
  12.  The insured Domestic Servant shall work in the address as specified in the standard Employment Contract during the period of insurance and that address must be same as the Insured Address under FamilySurance Plus 4.0.
  13. The 14-day waiting period from the effective date of the insurance is applicable under Cover B - Clinical Expenses, Surgical and Hospitalisation Expenses, Service Interruption Cover and Dental Expenses for each Domestic Servant.
  14. The premium has included the Employees' Compensation Insurance Levy.
  15. 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.
  16. 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).
  17. 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.
  18. 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.

Gross Floor Area (sq.ft.)
Annual Premium (HK$)
FamilySurance Plus 4.0 Plan A with Domestic Servant Cover B 
FamilySurance Plus 4.0 Plan B with Domestic Servant Cover B
Up to 500
1,780
1,540
501 - 700
2,180
1,840
701 - 1,000
2,570
2,140
1,001 - 1,500
3,180
2,610
1,501 - 2,000
3,610
2,940
Over 2,000
Please call our Customer Services Hotline
Worldwide 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:
  • 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
  • Insured premises is unoccupied 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)

For Domestic Servant Section:
  • pre-existing ailments
  • rest-cure or physical check-up
  • nervous or mental disease or disorder, venereal disease, congenital anomalies and deformities, infertility, sterilization, heart disease or cancer
  • any routine examination, scaling, polishing or cleaning and crowning, cost of any bridges, braces and dentuires
  • vaccinations, immunisation, injections or preventive medication
  • Repatriation or transportation of mortal remains originating outside Hong Kong (applicable to Domestic Servant Cover B - Item 7 Repatriation Expenses and Item 8 Replacement Helper Expenses)
  • Bodily Injury occurring outside the rest days (applicable to Domestic Servant Cover B - Item 6 Personal Accident Benefits)
  • Bodily Injury sustained outside Hong Kong (applicable to Domestic Servant Cover B - Item 6 Personal Accident Benefits)

Major Excesses
Household Contents
Excess Amount (HK$)
General items
250
Household removal benefit
1,000
Landslip and subsidence
10,000 or 10% (whichever is greater)
Personal Liability
Excess Amount (HK$)
Water damage
3,000
Building (optional cover)
Excess Amount (HK$)
General items
250
Water damage
1,000 or 10% (whichever is greater)
Landslip and subsidence
10,000 or 10% (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.
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.
  9. 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

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
  • 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 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.
  9. 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

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
  • 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 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.