Sompo Hong Kong : Householdjoy Excess

Section 1 - Home Contents

In respect of each and every claim	For Homes aged less than or equal to 40 years (HK$)	For Homes aged between 41 and 45 years (HK$)
Loss or damage caused by water damage	$500 or 5% of the adjusted loss amount, whichever is the greater	$500 or 5% of the adjusted loss amount, whichever is the greater
Loss or damage caused by landslip or subsidence	$500 or 5% of the adjusted loss amount, whichever is the greater	$500 or 5% of the adjusted loss amount, whichever is the greater
Loss or damage caused by other occurrence except fire, lightning or explosion	$500	$5,000

Section 2 - Worldwide Personal and Occupier's Liability

In respect of each and every claim	For Homes aged less than or equal to 40 years (HK$)	For Homes aged between 41 and 45 years (HK$)
Loss of or damage to third party property caused by water damage	$500 or 5% of the adjusted loss amount, whichever is the greater	$5,000 or 10% of the adjusted loss amount, whichever is the greater
Other third party property damage	$500	$5,000
Third party bodily injury	$500	$5,000

The above product information is for reference only. For full details of coverage, terms, conditions and exclusions, please refer to the policy wordings.

Copyright © Sompo Insurance (Hong Kong) Co., Ltd. 2014-2022. All rights reserved.