Protect Your Home
Protect Your Home
Make your home a safe haven with home security
From structure to contents, get flexible coverage for your home at competitive rates. Safeguard your valuable investments and live without worries.
Your Home Insurance
Types of home Insurance
Home Insurance includes Zero excess due to burst pipes or fire, tenant default protection and more. Do contact us to enquire.
"First Loss" Flexible Protection Plan
Unsure of the total value of your property? Choose a policy sum assured that suits your needs and budget. We'll pay you this sum, providing basic, cost-effective protection.
Professional Risk Consulting Services
We not only provide compensation after an incident, but also focus on prevention. Our expert consultants will provide you with personalized security and fire prevention advice to help you prevent problems before they occur.
Temporary Accomodation Guarantee
If your homes become uninhabitable due to a covered event such as fire, we will cover the costs of your temporary accomodation.
FAQ
A: Most homeowners, tenants, and landlords in Hong Kong are eligible for home insurance
Answer:
Absolutely. While you may not have valuable art, the collective cost of replacing all your everyday belongings can be surprisingly high. Think about your smartphone, laptop, television, wardrobe, and furniture—it adds up quickly.
The most critical cover for many Hong Kong residents is Third-Party Liability. In a high-rise building, a simple mistake like leaving a tap on or a cooking error that triggers the fire alarm and sprinklers could lead to massive damages to multiple units below you. Without liability insurance, you could be personally responsible for these astronomical costs. A basic insurance policy provides essential peace of mind at a relatively low cost
- Named Perils basis - The exclusions will be similar as those under the Buildings section.
- All Risks basis - The possible exclusions are as follows:
- Theft, if the house is left unoccupied for more than a stipulated number of days or if the house or any part of it is lent or let, unless force is used to enter the house;
- Theft of money and credit cards above a stipulated amount;
- Theft by deception or by any person lawfully present in the insured house;
- Malicious damage or vandalism if the house is left unoccupied for a specified number of days;
- Bad-natured damage or vandalism by any person lawfully present in the insured house;
- Malicious damage or vandalism if the house or any part is lent or let out;
- Escape of water or oil from any washing machine, dishwasher or fixed domestic water or heating installation if the insured house is unoccupied.
While coverage varies by policy, the following are common general exclusions in Hong Kong home insurance policies:
- Confiscation or requisition of propertyby order of any government or public authority.
- Loss or damage caused by war, invasion, act of foreign enemy, hostilities, civil war, rebellion, revolution, insurrection, or martial law.
- Loss or damage owing to the property's own fermentation, natural heating, or gradual deterioration(e.g., rust, mould, dampness, dry rot).
- Any consequential loss other than the specific additional benefit for loss of rent or alternative accommodation offered by the policy.
- Loss or damage caused by nuclear weapons, nuclear fuel, or radioactive contamination.
- Loss or damage to property by subsidence and landslip(unless specifically covered by an optional extension to the policy).
- Loss or damage to:
Motor vehicles, watercraft, and their accessories or spare parts.
Livestock and pets.
Property used or held in trust for business or professional purposes.
Medals, coins, stamps, documents, and manuscripts.
Deeds, bonds, bills of exchange, promissory notes, cheques, securities, cash, currency notes, bank notes, and stored value cards.
Important Note for Hong Kong Policyholders: This is a general list. The most significant exclusions to pay attention to in Hong Kong are often related to typhoon excesses, landslip, and the single-item limits on valuables. Always read your specific policy wording carefully to understand the full scope of exclusions and limitations.
Please inform the insurer in writing if you are moving to another address for us to update the address in the policy schedule.
