Homecare

Plus Insurance

Protects your home away from varying risks.

Whether you are a flat owner or a tenant, our homecare Plus insurance provides the comprehensive protection you need for your home to handle unexpected occurs.
Max Care Limit
The maximum aggregate limit for home contents is up to HKD1,000,000 per year. Conditions apply.
Extensive Cover
This plan provides risk cover for home contents against accidental physical loss or damage to ensure you stay stress-free to your home. Conditions apply.
Third Party Liability
Provides up to HKD5,000,000 coverage for the legal liability of causing third-party death, bodily injury or property damage to share your liability.
Cover 1 - Home Contents Cover
Cover 1 - Home Contents Cover

The Plan provides All Risks cover for home contents against any accidental physical loss or damage including the risks of fire, theft, typhoon, explosion, earthquake, flood, bursting of pipe and malicious damage except for those risks which are excluded. The maximum aggregate limit for home contents is up to HKD1,000,000 per year.

And this plan also includes the following benefits:
  • Loss of or damage to home contents being temporarily removed to any other premises for cleaning, renovation, repair or other similar purposes.

  • Loss of or damage to home contents whilst in transit by professional removers from the Insured's premises to a new Insured's premises within Hong Kong.

  • Loss of money at Insured's premises caused by fire or theft.

  • Replacement cost of locks and keys due to burglary.

  • Replacement cost of spoilt frozen food due to accidental power failure or breakdown.

  • On cost incurred for temporary accommodation if the Insured's premises being rendered uninhabitable caused by any insured perils.

  • On cost of removal of debris following loss or damage to the Insured's premises caused by any insured perils.

  • If Insured or the Insured's family members are fatally injured caused by fire or theft at the Insured's premises.

Excess
The Insured shall be responsible for:
  • Cover 1: Home contents cover

    • the first HKD 500 of each and every claim.

    • the first HKD 1,000 of each and every removal claim.

    • the first HKD 1,000 or 10% of claim caused by typhoon, windstorm or water damage, whichever is the greater.

Cover 2 - Third Party Liability
Cover 2 - Third Party Liability

Accidental death or bodily injury or property damage to third party (including litigation cost) due to you or your family members' negligence for which you or your family member(s) are held legally liable. Subject to Hong Kong Jurisdiction.

Excess
The Insured shall be responsible for:
  • Cover 2: Personal Liability

    • the first HKD 500 of each and every claim.

    • the first HKD 3,000 of each and every claim for Third Party Property due to water.

Coverage
Coverage
Coverage
Maximum Limit of Cover
1. Home contents cover*
(including the Benefits below:)
per year HKD 1,000,000
Basic benefits:
1.1 Home contents (other than valuables or jewellery)
per item HKD 100,000
1.2 Valuables or jewellery
per item HKD 10,000
per year HKD 150,000
Other benefits:
1.3 Home contents temporarily removed from the Insured's premises to any other premises
per item HKD 5,000
per year HKD 50,000
1.4 Home contents transit from Insured's premises to a new Insured's premises
per item HKD 5,000
per year HKD 150,000
1.5 Personal money
per year HKD 3,000
1.6 Locks and keys
per year HKD 5,000
1.7 Frozen food
per year HKD 5,000
1.8 Temporary accommodation
per day HKD 1,500
per year HKD 50,000
1.9 Removal of debris
per year HKD 50,000
1.10 Personal Accident
per person HKD 25,000
per year HKD 100,000
* Compensation is paid on "New for Old" basis without any deduction for depreciation (except clothing)
2. Third Party Liability
per year HKD 5,000,000
General Exclusions
General Exclusions
The Company does not cover:
  • Loss of or damage to mobile/portable telephone, pagers, spectacles, contact lens and sporting equipment;

  • Loss of or damage to contents caused by scratching, rust, wear and tear, vermin and mechanical or electrical fault or breakdown;

  • Loss of or damage to computer records;

  • Loss of or damage to contents on the roof or open area or insured under a separate policy;

  • Claims arising from whatsoever causes if the Insured's premises is left unoccupied for more than 60 consecutive days, except the loss of or damage to contents caused by fire, lightning, explosion, earthquake, typhoon, windstorm, flood and bursting of pipes.
    Claims arising from war, radioactivity or sonic bangs ;

IMPORTANT NOTICE

* The coverage features above are indicative only. Please refer to full policy documents for detailed terms & conditions, exclusions, benefit table and premium in Quote Now.