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Latest Promotion

FortuneSafe Home Insurance

Landlord Protector

Latest Promotion
  • Latest Promotion
  • Terms and Conditions

Home Insurance

Enjoy exclusive offers on successful online enrollment of below insurance plans:

Insurance Plan Fubon Credit Cardholders Offer*
FortuneSafe Home Insurance 40% off first-year premium +
75,000 credit card bonus point^
Landlord Protector 30% off first-year premium

*Must apply with promo code FBCCPD and make the payment with Fubon Credit Card
^This offer is only applicable to monthly premium payment only

General Terms and Conditions:

  1. The promotion period is from 24 Dec 2025 to 31 Dec 2026 (both dates inclusive) ("Promotion Period").
  2. Within the Promotion Period, successful applicants of FortuneSafe Home Insurance of MSIG Insurance (Hong Kong) Limited ("MSIG") whose relevant application is made on MSIG's insurance application website accessed through the website of Fubon Bank (Hong Kong) Limited ("Fubon Bank") is entitled to the below discount offer ("Eligible Customer"):
    Insurance Plan Offers*
    (Fubon Credit Cardholders)
    FortuneSafe Home Insurance 40% off
    Landlord Protector Insurance 30% off

    *Must apply with promo code FBCCPD and the premium must be paid with a Fubon Credit Card.
  3. The premium discount for FortuneSafe Home Insurance and Landlord Protector are only applicable to the first year premium of the policy.
  4. These terms and conditions are related to the promotional offer only. No reference has been made to any MSIG insurance policy ("Policy") or any coverage or content. Customers are advised to read and understand the Policy before applying for the relevant insurance.
  5. Fubon Bank and MSIG reserve the right to vary or terminate the Promotional Offer at any time and to amend the terms and conditions from time to time without prior notice.
  6. 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 Offer, the English version shall prevail.

Terms and Conditions for FortuneSafe Home Insurance Plan Bonus Points Promotion (“Bonus Points Promotion”):


  1. The promotion period is from 24 December 2025 to 31 March 2026, both dates inclusive ("Promotion Period").
  2. The Bonus Points Promotion is only applicable to the principal and supplementary cardholders of Fubon Visa / Mastercard Credit Card issued by Fubon Bank (Hong Kong) Limited (“the Bank”) (“Eligible Credit Card”, such holders are “Eligible Customer(s)”).
  3. Eligible Customer(s) must successfully enroll FortuneSafe Home Insurance Plan (“Designated Policy”) of MSIG Insurance (Hong Kong) Limited (“MSIG Hong Kong”) through the website of Fubon Bank (Hong Kong) Limited ("the Bank") or the Bank’s designated enrollment hotline within the Promotion Period, and pay the first 6 months’ premiums in monthly payment mode with the Eligible Credit Card, can enjoy 75,000 Bonus Points(“Reward”).
  4. Each Designated Policy is entitled to the above Reward once.
  5. Eligible Customer(s) pay the premiums in annual payment mode will NOT be entitled to enjoy the Reward.
  6. All monthly premiums for the Designated Policy must be settled via an Eligible Credit Card. Should an Eligible Customer change the payment method to a non-Eligible Credit Card or any alternative payment method during the coverage period, they will forfeit their entitlement to the Reward.
  7. Upon verification, the Reward will be credited to Eligible Credit Card account on or before 31 December 2026 and displayed on the credit card statement. Only Eligible Transactions posted during the Promotion qualify for this Promotion. Rewards earned via supplementary cards shall be credited to the principal card account.
  8. The credit card account(s) maintained by Eligible Cardholder(s) should remain valid and in good standing at the time the Rewards are credited.
  9. Unless otherwise specified, the above Bonus Point Promotion offer cannot be used in conjunction with other credit card promotion offers.
  10. Unless otherwise specified, the Reward cannot be exchanged for cash, gift/cash vouchers, or other products/services.
  11. The Bank reserves the right to reverse or forfeit any Reward credited to the Eligible Customers’ credit card account without prior notice if, after receiving the Reward, the Eligible Customer changes the payment method to a non-Eligible Credit Card or any other payment methods for the premiums.
  12. These terms and conditions are related to the above Promotion only and no reference has been made to any coverage or content of the Designated Policy or any other insurance policy of MSIG Hong Kong. Customers are advised to read and understand the policy before enrolling for the relevant insurance or visit Fubon Bank website for more details: https://fubonbank.com.hk/en/insurance/general-insurance/fortunesafe.html.
  13. The Bank reserves the right to suspend, vary or cancel the Promotion and amend the relevant terms and conditions at any time without prior notice. In case of any disputes, the decision of the Bank shall be final and conclusive.
  14. Unless expressly provided to the contrary in these terms and conditions, a person who is not a party has no right under the Contracts (Rights of Third Parties) Ordinance (Chapter 623 of the Laws of Hong Kong) to enforce or enjoy the benefit of any of the provision of these terms and conditions.
  15. These terms and conditions shall be governed by and construed in accordance with the laws of Hong Kong.
  16. Should there be any discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail.

To borrow or not to borrow? Borrow only if you can repay!


Important Notes:

  1. The above information is for reference only and does not constitute any part of the insurance contract. For full terms and conditions and exclusions, please refer to the policy document itself which shall prevail in case of inconsistency.
  2. MSIG Insurance (Hong Kong) Limited is the insurance underwriter of the above insurance plan and is authorized and regulated by the Insurance Authority. MSIG Insurance (Hong Kong) Limited is solely responsible for all approvals, coverage and compensation under this policy and reserves the right of final approval and decision on such matters.
  3. MSIG Insurance (Hong Kong) Limited is not a subsidiary or an affiliate of Fubon Bank (Hong Kong) Limited (“Fubon Bank”).
  4. Fubon Bank is the authorized insurance agency for MSIG Insurance (Hong Kong) Limited, and is responsible for introduction of the insurance plans. The Plan is not the product of Fubon Bank. Fubon Bank is not responsible for any terms or obligations of the Plan.
  5. In case you file a written complaint regarding the selling process or processing of the related transaction to Fubon Bank and the complaint is an “Eligible Dispute(s)” as defined in the Terms of Reference for the Financial Dispute Resolution Centre, Fubon Bank is required to enter into a Financial Dispute Resolution Scheme process with you if the Eligible Dispute cannot be resolved after Fubon Bank has issued the final written reply. If the complaint / dispute is related to the policy terms and conditions of the product, it should be resolved directly between MSIG Insurance (Hong Kong) Limited and you. Nevertheless, where practicable and appropriate, Fubon Bank will provide reasonable assistance to customers in the dispute resolution process.
  6. Levy collected by the Insurance Authority (if any) has been imposed on this policy at the applicable rate and would be remitted in accordance with the prescribed arrangements. For further information, please visit www.ia.org.hk/en/levy.
  7. MSIG Insurance (Hong Kong) Limited is a wholly-owned subsidiary of MS&AD Insurance Group Holdings, Inc. and its principal place of business in Hong Kong is at 9/F, 1111 King’s Road, Taikoo Shing, Hong Kong.
  8. The English version shall prevail in case of inconsistency between the English and Chinese versions.
FortuneSafe Home Insurance
  • Product Features
  • Benefits Table
  • Premium
  • Major Exclusions
  • Personal Liability Cover protects you, your family members and your domestic helper against any legal liability to a third-party injury or property damage of up to HK$10,000,000
  • All Risks Home Contents Protection up to HK$1,000,000 per year
  • Covers specified valuable properties of up to HK$20,000 per item with an aggregate limit of 1/3 of the household contents sum insured per year
  • Worldwide cover against accidental damage to mobile phone/tablet or laptop computer up to HK$5,000 per item
  • Covers breakage of window glass during typhoon
  • Covers seepage of water and personal injury or loss of or damage to property directly or indirectly caused by seepage
  • Covers your outdoor property such as furniture, washing machine and refrigerator up to HK$50,000 per year
  • Covers temporary boarding for your pet up to HK$3,000 per day if your home rendered uninhabitable due to accidental loss or damage
  • Coverage limit of fatal accident benefit up to HK$100,000 for Plan A / Plan B
  • Provide optional building cover for Plan A / Plan B
The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording. In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
Benefits
Maximum Benefits Payable Per Year (HK$)
Plan A
Plan B
Plan C
Household Contents (Basics)
1. Household contents
1,000,0001
600,0001
300,0001
    • Limit per item, set or collection
100,000
100,000
50,000
2. Valuable property at home (such as jewellery, watches etc.)
1/3 of Contents limit
1/3 of Contents limit
1/3 of Contents limit
      • Limit per item
20,000
10,000
5,000
3. Personal Effects
      • Limit per item
20,000
10,000
Not applicable Please refer to Worldwide Personal Possessions (Free cover)
4. Money, stamps, coins or medals at home
5,000
5,000
Not applicable
      • Limit per loss for money or per collection
5,000
5,000
Not applicable
5. Photographic equipment
2,000
2,000
Not applicable
6. Brittle items
   • Limit per item
5,000
5,000
Not applicable
7. Sunglasses or eyeglasses
1,000
1,000
Not applicable
Household Contents (Extra Benefits)
1. Household removal
100,000
50,000
Not applicable
   • Limit per item
10,000
10,000
Not applicable
2. Alternative accommodation
100,000
Not applicable
Not applicable
   • Limit per day for alternative accommodation
1,500
Not applicable
Not applicable
   • Limit per day for meal allowance
500
Not applicable
Not applicable
   • Limit per day for temporary boarding for your pet
3,000
Not applicable
Not applicable
3. Temporary removal
50,000
Not applicable
Not applicable
4. Fatal accident benefit
100,000
100,000
Not applicable
5. Frozen food and drinks
5,000
2,500
Not applicable
6. Tenant's liability
10% of the Household Contents sum insured
10% of the Household Contents sum insured
10% of the Household Contents sum insured
7. Removal of damaged household contents
10,000
5,000
Not applicable
8. Alterations and repairs
Covered
Covered
Covered
   • Maximum contract value
150,000
100,000
Not applicable
9. Landslip & subsidence extension
Covered
Covered
Covered
10. Accidental damage to mobile phone/tablet or laptop computer (Worldwide)2
   • Limit per mobile phone / tablet / laptop computer per year
5,000
2,500
Not applicable
11. Outdoor Property Extension
50,000
10,000
Not applicable
   • Limit per item
2,500
2,500
Not applicable
12. Home emergency assistance
Covered
Covered
Covered
   • Limit per claim per year
1,000
1,000
1,000
Personal Liability (Free cover)
1. • Any claim against you, your family members or your domestic helper 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
10,000,000
8,000,000
3,000,000
Worldwide Personal Possessions (Free cover)
1. Accidental loss of or damage to valuables or personal effects that happens anywhere in the world
10,000
10,000
3,000
   • Limit per item unless specified
5,000
5,000
1,000
2. Money
5,000
1,000
Not applicable

3.

 Unauthorised use of credit cards
20,000
Not applicable
Not applicable
4. Personal documents
5,000
Not applicable
Not applicable
Optional Cover – Worldwide Personal Possessions
These benefits are not available for online enrolment. Please contact our customer service at 3122 6880 from 9:00 am to 5:30 pm (Monday to Friday, except public holidays) for details.
1. Accidental loss of or damage to valuables or personal effects that happens anywhere in the world
   • Specified limit per item
Sum InsuredA1
Sum InsuredA1
Not applicable
Optional Cover – Building
(Applicable for Plan A / Plan B only )
1. Building - for the structural part of your home including flooring, walls, ceiling, windows and doors and their subsequent household improvements
Sum InsuredB1
Sum InsuredB1
Not applicable
2. Alternative accommodation (Applicable for Plan A only)
50,000
Not applicable
Not applicable
   • Limit per day for alternative accommodation
1,500
Not applicable
Not applicable
   • Limit per day for meal allowance
500
Not applicable
Not applicable
   • Limit per day for temporary boarding for your pet
3,000
Not applicable
Not applicable
3. Removal of debris
10,000
10,000
Not applicable
4. Professional Fees
10,000
10,000
Not applicable
5. Landslip and subsidence extension
Covered
Covered
Not applicable

Remarks:
  1. Inclusive of all sub-limits under Extra Benefits and in the aggregate
  2. Not applicable if you or your family members are below 18 years of age at the time of the damage

A. For Worldwide Personal Possessions Section:

  1. For valuables such as jewellery and watches, which you would like to insure, please list down each item with full description and respective insured value separately and provide invoice to prove their value. For miscellaneous items valued less than $5,000 each, they can be grouped as one item in which case the sum insured should represent the total value of such properties you are likely to carry away from home at any one time.

B. For Building Section:

  1. The sum insured of this section should represent the full cost of rebuilding the insured premises (including the costs of fixtures and fittings, renovation, debris removal, professional fees and compliance costs).
Important Notes:
  1. The premises or building to be insured must be for residential use. No industrial or commercial buildings will be covered.
  2. The premises or building to be insured must be your family's and your principal place of residence located in Hong Kong SAR.
  3. The premises or building to be insured must not be a sub-divided home or sub-let premises.
  4. 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).
  5. An enforceable Tenancy Agreement shall be effective on/before the policy effective date and agree to present the Tenancy Agreement upon request.
  6. 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.
  7. 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).
  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.

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.
 
Household Contents
Premium (HK$)
Plan A
Plan B
Plan C
Gross Floor Area
(sq.ft)
Saleable Area
(sq.ft)
Annual
Monthly*
Annual
Monthly*
Annual
Monthly*
Below 500
Below 400
1,140
95
876
73
708
59
501 - 700
401 - 560
1,476
123
1,116
93
701 - 1,000
561 - 800
1,836
153
1,380
115
Not applicable
1,001 - 1,500
801 - 1,200
2,364
197
1,764
147
1,501 - 2,000
1,201 - 1,600
2,760
230
2,064
172
2,001 - 2,500
1,601 - 2,000
3,252
271
2,580
215
2,501 - 3,000
2,001 - 2,400
3,840
320
3,048
254
3,000 or above
2,400 or above
Please call MSIG Hotline at 3122 6880
Personal Liability
Free
Home Emergency Assistance
Free
Building
0.09% on sum insured
Not applicable
Worldwide Personal Possessions
1.5% on sum insured
Not applicable
*Monthly Premium is calculated from Annual Premium divided by 12 months and round up to the nearest dollar for illustration only. The actual Monthly Premium including levy will be stated on the policy schedule.

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:
  • 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 generally
  • 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
    • Sonic bangs
    • Atmospheric or climatic conditions, action of light
    • Deterioration of food or drinks (unless specifically provided under extra benefits)
  • Motor vehicles
  • Livestock, pets and animals
  • Any items also covered under Worldwide Personal Possessions / Building section

Major Excess
Excess for each and every claim (HK$)
Household Contents
i. for multi-storey building Nil
ii. for village house / detached house Burglary Excess: 5,000 or 10% of loss, whichever is the greater
Water damage
for multi-storey building, village house / detached house
- building age: 40 years or below Nil
- building age: 41 - 50 years 3,000 or 10% of loss, whichever is the greater
- building age: 51 years or above 5,000 or 10% of loss, whichever is the greater
Landslip and subsidence 10,000 or 10% of loss, whichever is greater
Personal Liability
Water damage
for multi-storey building, village house / detached house
- building age: 40 years or below Nil
- building age: 41 - 50 years 3,000 or 10% of loss, whichever is the greater
- building age: 51 years or above 5,000 or 10% of loss, whichever is greater
Other damage
for multi-storey building, village house / detached house
- building age: 40 years or below Nil
- building age: 41 - 50 years 3,000
- building age: 51 years or above 5,000
Worldwide Personal Possessions
General 250
Building
Landslip and subsidence 10,000 or 10% of 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.
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.
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
1. Content
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)
Accidental loss of or damage to your contents including furniture, fixtures and fittings and household appliances
2. Household Improvements
50,000
Household improvements – improvements and betterments on walls, windows, ceiling, floors and doors
Extra Benefits
1. Damaged locks
5,000
Replacement and installation costs if windows, gate or external door locks and keys are damaged due to burglary or attempted theft
2. Removal of Debris
10,000
After the damage or destruction to your home
3. Temporary removal of contents
50,000
Loss of or damage to contents whilst temporarily removed for cleaning, renovation or repair within Hong Kong
4. Landslip and subsidence extension
Covered
Loss of or damage to contents directly caused by landslip or subsidence
5. Alterations and repairs
Covered
(Contract period not exceeding two months and within maximum contract value of 100,000)
Accidental loss of or damage to contents while the insured premises is under alteration or repair
6. Eco Living Coverage^
1,000 or 10% of the purchase price of the replacing item, whichever is lower
Additional cover for each eligible lost or damaged item
Loss of Rent (Basic Cover) 80,000 or total rent of maximum three months, whichever is the lower
1. 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
2. If your tenant fails to pay the rent and you have
20,000
  i) taken legal action; and
  ii) obtained court judgment; and
  iii) could not receive the payment within one month after the court ruling
Property Owner's Liability (Free Cover)
1. 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
2. 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)
Building (Optional Cover)
1. Accidental loss of or damage to the structural part of your premises
Sum insured
2. 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:
  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.
  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.

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.

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

Major Excess

Excess for each and every claim (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.
Fubon Bank (Hong Kong) Limited ("Fubon Bank") is an insurance agent appointed by MSIG Insurance (Hong Kong) Limited ("MSIG").
The above general insurance plans are underwritten by MSIG Insurance (Hong Kong) Limited ("MSIG") which is a general insurer authorized and regulated by the Insurance Authority of the HKSAR. Fubon Bank (Hong Kong) Limited ("Fubon Bank") is an insurance agent appointed by MSIG.
All Rights Reserved. Copyright © 2026 MSIG Insurance (Hong Kong) Limited