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Product Features
Benefits Table
Premium
Major Exclusions

Key Features

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

Plan Highlights

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

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		5,000
Loss of personal effects / money on business trips		2,500
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		10,000
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
Personal Liability (Free)
Any claim against you or your family members in the event of your negligence causing third party injury or property damage Your legal liability as the owner in respect of the common parts of the building of which your home forms part		$8,000,000
Your legal liability whilst alteration or repair works are carried out at your home		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

^#Either Burglary/robbery harm allowance or Psychiatric services is payable

Important Notes:

The premises or building to be insured must be less than 46 years of age.
The premises or building to be insured must be for residential use. No industrial or commercial buildings will be covered.
The premises or building to be insured must be your family's and your principal place of residence located in Hong Kong SAR.
The premises or building to be insured must be not a sub-divided home or sub-let premises.
The premises to be insured is not a village house / bungalow /duplex house / townhouse / detached house or the likes.
The premises to be insured must not be situated on ground floor or not include any kind of roof/rooftop.
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).
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;
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).
An enforceable Tenancy Agreement shall be effective on/before the policy effective date and agree to present the Tenancy Agreement upon request.
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.

Gross Floor Area (sq ft)	Annual Premium (HK$)
Gross Floor Area (sq ft)	Plan A	Plan B
Up to 500	1,340	1,100
501 - 700	1,740	1,400
701 - 1,000	2,170	1,740
1,001 - 1,500	2,780	2,210
1,501 - 2,000	3,250	2,580
Over 2,000	Please call our Customer Services Hotline 3122 6811
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.

For all Sections

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

For Household Contents Section

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

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