Home Insurance

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

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.

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 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 home contents in an open area or on a roof/rooftop.
9. 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.
10. 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).
11. An enforceable Tenancy Agreement shall be effective on/before the policy effective date and agree to present the Tenancy Agreement upon request.
12. 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.
13. 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.

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

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.

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 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.

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 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 home contents in an open area or on a roof/rooftop.
9. 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.
10. 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).
11. An enforceable Tenancy Agreement shall be effective on/before the policy effective date and agree to present the Tenancy Agreement upon request.
12. 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.
13. 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.
14. 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.
15. 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.
16. 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.
17. 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.
18. 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.
19. The premium has included the Employees' Compensation Insurance 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.

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)

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

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.

• 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.

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 not a sub-divided home or sub-let premises.
4. The premises to be insured is not a village house / bungalow /duplex house / townhouse / detached house or the likes.
5. The premises to be insured must not be situated on ground floor or not include any kind of roof/rooftop.
6. 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).
7. The policy does not cover any home contents in an open area or on a roof/rooftop.
8. 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.
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. 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.
12. 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

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.

• Sub-divided home or sub-let premises
• Insured premises that are situated in a building where sub-divided flats are known to exist
• Insured premises that are used for business purposes or as a holiday home
• Unoccupied premises for more than 30 consecutive days
• Illegal structure exists in the insured premises

Major Excesses

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.

• 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.

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 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 home contents in an open area or on a roof/rooftop.
9. An enforceable Tenancy Agreement shall be effective on/before the policy effective date and agree to present the Tenancy Agreement upon request.
10. 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.
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

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.

• 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 premises for more than 30 consecutive days
• Illegal structure exists in the insured premises

Major Excesses

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.