HomeCare
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| Product Highlights |
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Competitive and Comprehensive insurance package for you and your family |
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Automatic Home Contents Cover up to a limit as high as HK$1,000,000 |
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Simple and easy premium calculation based on gross floor area of your Home |
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Free Legal Liability Insurance up to HK$5,000,000 to cover you as Owner and/or Occupier of your Home including your Personal Liability anywhere in the world
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Optional covers for personal belongings on Worldwide All Risks basis and Building All Risks |
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| Coverage |
| Section 1. Household Contents (Basic Cover) |
At home, your household contents are insured for 'All Risks' cover. This 'All Risks' cover protects your contents against accidental loss or damage arising from but not limited to fire, flood, typhoon, explosion or theft, up to a maximum of HK$1,000,000 per year. Each and every single item of your household contents that is covered up to HK$150,000. Valuables, such as jewellery, gold, silver or other precious metals, watches, photographic equipment, furs, musical instruments (except pianos), are covered up to HK$10,000 per item and with an aggregate maximum of HK$150,000 or 30% of the Limit of Indemnity of household contents (whichever is the lesser) per year.
What's more, this insurance also provides the following benefits: -
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| Item |
Benefit |
Maximum Limits (HK$) |
| 1 |
Window, Door Lock & Key Replacement
Replacement of external door locks and keys or broken windows due to theft or attempted theft |
3,000 per year |
| 2 |
Temporary Removal
Accidental loss of or damage to household contents whilst being temporarily removed from home for renovation, cleaning or repair |
50,000 per year |
| 3 |
Home Removal
Accidental loss of or damage to household contents:
(a) whilst in transit between current home and new home by professional removers within Hong Kong; or
(b) whilst in temporary storage, for up to 7 days in a furniture depository; or
(c) whilst at the new home but before occupied as permanent residence up to 2 months
(you have to notify us before your move) |
100,000 per year |
| 4 |
Frozen Food
Cost of replacing spoilt frozen food due to accidental power failure or breakdown of refrigerator |
5,000 per year |
| 5 |
Removal of Debris
Cost of removal of debris when household contents are accidentally damaged |
10,000 per year |
| 6 |
Personal Money
Accidental loss or theft of money at home |
2,500 per year |
| 7 |
Domestic Helper's Property
Accidental loss of or damage to domestic helper's property at home |
1,000 per item
5,000 per year |
| 8 |
Tenants Improvement
Accidental loss of or damage to tenant's improvements at home |
150,000 per item |
| 9 |
Interior Renovation
Accidental loss of or damage to household contents during interior renovation by contractors (provided that the period of renovation is within 2 months) |
100,000 per year |
| 10 |
Alternative Accommodation
Cost of alternative accommodation when the home becomes uninhabitable as a result of accidental loss or damage |
1,500 per day
50,000 per year |
| 11 |
Personal Accident
Accidental death of Insured or Insured's family members as a result of fire or theft at home |
100,000 per person
400,000 per year |
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| Section 2. Personal Liability (Basic Cover) |
HomeCare provides worldwide cover, subject to Hong Kong jurisdiction, up to HK$5,000,000 against any claim for bodily injury or property damage resulting from the negligence of you and your family members normally living with you. Cover includes your legal liability
| a) | as occupier of the home |
| b) | as owner of the home (including common areas of the building) |
| c) | as a private individual (anywhere in the world) |
Your legal liability, where applicable, as Tenants of the home for damage to building including landlord's fixtures and fittings is also covered.
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| Section 3. Worldwide All Risks (Optional Cover) |
HomeCare provides 'All Risks' cover for your personal belongings and valuables whilst being carried by you or your family members, up to the sum insured of your choice.
This section also provides the following free worldwide benefits at no extra cost.
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| Item |
Benefit |
Maximum Limits (HK$) |
| 1 |
Personal Document Replacement
Replacement of credit cards, passports and personal documents following accidental loss of baggage or purse |
2,500 per year |
| 2 |
Personal Money
Accidental loss or theft of money away from the home |
2,500 per year |
| 3 |
Credit Card
Unauthorized use of credit cards |
5,000 per year |
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| Section 4. Building all risks (Optional Cover)
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| HomeCare provides 'All Risks' cover for the structure of your home against accidental loss of or damage arising from but not limited to fire, flood, typhoon, explosion or theft. This insurance also extends to cover loss or damage directly arising out of subsidence of the site or landslip. |
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| Premium Table (HK$) |
| Section 1 |
| Household Contents |
Limit of Liability (HK$) |
Annual Premium (HK$) |
| Gross Floor Area of Your Home (in square feet) |
| Less than 500 |
500,000 |
HK$630 |
| 500 - 700 |
500,000 |
HK$880 |
| 701 - 850 |
750,000 |
HK$1,110 |
| 851 - 1000 |
1,000,000 |
HK$1,250 |
| 1001 - 1500 |
1,000,000 |
HK$1,600 |
| 1501 - 2000 |
1,000,000 |
HK$2,000 |
| over 2000 |
1,000,000 |
To be advised |
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| Section 2 |
| Personal Liability |
5,000,000 |
Free with
Section 1 |
| γ |
| Section 3 (Optional) |
Worldwide All Risks
Cover for
Personal Belongings |
Up to Sum
Insured |
1.5% on sum
insured |
| γ |
| Section 4 (Optional) |
| Building ALL Risks |
Up to Sum
Insured |
0.085% on sum
insured |
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| Major Exclusions |
| 1. | Loss or damage arising from uninsurable risks such as scratching, wear and tear, mechanical or electrical fault or breakdown, misuse or domestic animals |
| 2. | Loss of or damage to mobile phones, household contents contained in open areas or on roofs, spectacles, contact lenses, sporting equipment whilst in use, computer system records, aerial devices or satellite dish |
| 3. | Loss or damage if the home is unoccupied for more than 60 consecutive days |
| 4. | Loss or damage to personal belonging's for temporary visits exceeding 90 days |
| 5. | Loss or damage due to war risks, radioactive risks, sonic bangs or any act of terrorism |
| Excess |
| a. |
Section 1 - Household Contents
- Nil
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| b. |
Section 2 - Personal Liability
- Nil |
| c. |
Section 3 - Worldwide All Risks
- The first HK$250 of each claim |
| d. |
Section 4 - Building All Risks
- The first HK$1,000 or 10% of the loss (whichever is the greater) of each claim caused by water, typhoon, windstorm, landslip or subsidence
- The first HK$1,000 of each claim resulting from any other cause |
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This summary gives only an outline of the terms and conditions of the insurance cover and any information given herein is subject to the precise terms and conditions in our Policy, a specimen copy of which will be furnished to you on request.
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