Home Insurance

Important Notes

1. The premises or building to be insured must be less than 46 years of age.
2. The premises or building to be insured must be for residential use. No industrial or commercial buildings will be covered.
3. The premises or building to be insured must be your family's and your principal place of residence located in Hong Kong SAR (except Landlord Protector).
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. 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.
11. 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).
12. Either Burglary/robbery harm allowance or Psychiatric services is payable.
13. 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.
14. 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

Remark: For the above item 5 & 6, if the premises to be insured is situated on ground floor or is a village house / bungalow / duplex house / townhouse / detached 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 inconsistency between the English and Chinese versions of any of the above details, the English version shall prevail.