Household Contents and Personal Effects

Furniture, fixtures, fittings and domestic electrical appliances plus your personal effects such as clothes are covered on an unspecified basis, provided that the value of each article does not exceed 10% of your Home Contents Sum Insured

Valuables

Cover valuables at Home, such as jewellery and watches
(Maximum limit for each item: $15,000)

Personal Effects outside your Home

Cover for accidental loss or theft of personal effects outside your Home but within the territorial limit of Hong Kong
(Maxmium limit for each item: $2,500)

Accidental Damage to Home Contents in the course of Renovation

Cover for accidental damage to your Home Contents in the course of interior decoration or refurbishment for minor contract with value up to $100,000

Personal Accident

Cover for accidental death as a result of fire or armed robbery at Home

Each Insured Person

Each Insured’s family member aged 18 or below and 70 or above

Alternative Accommodation

Cover the cost of alternative accommodation reasonably incurred if your Home becomes uninhabitable due to an insured accident

Loss of Rent (applicable if you are the owner and your Home is let out)

Cover for rental loss if your rental property is made uninhabitable due to an insured accident

Temporary Removal

Cover for loss of or damage to your Home Contents while temporarily removed from your Home for cleaning, repairs or maintenance

Maximum limit for any one article: $10,000

Household Removal

Cover for loss of or damage to your Home Contents whilst moving between your current Home and your new Home within Hong Kong by professional removers

Maximum limit for any one article or pair or set : $10,000

Removal of Debris

Cover the cost of removal of debris if your Home is accidentally damaged

Maximum limit for any one event : 10% of the adjusted loss amount

Architects’, Surveyors’ and Consulting Engineers’ Fees

Cover the architects’, surveyors’ and consulting engineers’ fees necessarily incurred in the reinstatement of the damaged property

Maximum limit for any one event: 5% of Home Contents Sum Insured

Automatic Reinstatement of Sum Insured

In the event of loss or damage recoverable under this insurance, your Home Contents Sum Insured will be immediately reinstated, subject to appropriate additional premium

Locks Replacement

Cover the cost of replacing locks, keys and broken windows due to theft or burglary

Personal Computer

Cover your personal computer at Home against accidental loss or damage

Frozen Food

Cover for accidental damage to frozen food

Maximum limit for any one event : $5,000

Domestic Helper’s Personal Effects

Cover for accidental loss of or damage to your domestic helper’s property inside your Home

Maximum limit for any one item : $1,000

Money

Cover loss of Money at Home due to an insured accident

Credit Cards

Cover your liability directly resulting from the unauthorized use of your credit card by any person not related to or residing with you

Replacement of Credit Cards/Personal Documents

Cover the replacement cost for the loss of personal documents including credit cards, passports, Hong Kong Identity Card and any certificate of identity

Brittle Items

Cover for accidental damage to articles of glass, china, porcelain or other items of fragile nature

Cover you, your family members and your domestic helper(s) residing with you against legal liability towards third parties for their bodily injury or property damage caused by your negligence committed anywhere in the world

This Section extends to cover

Owner’s Liability in Common Areas (applicable if you are the owner of the insured Home)

Cover your legal liability as a part owner of the common parts of the building of which your Home forms part

Tenants Liability (applicable if your Home is rented)

Cover your legal liability as tenant against loss of or damge to landlord's property

Independent Contractor’s Liability

Cover your legal liability towards third parties for their bodily injury or property damage arising out of the alteration of or addition to your Home, provided that the contract value shall not exceed HK$100,000 for each contract

Upgrade the maximum limit under Section 2 - Worldwide Personal and Occupier’s Liability to HK$10,000,000