covers accidental loss of or damage to home contents caused by fire, burglary, typhoon, earthquake, flood, bursting of water pipes and many other mishaps |
500,000 |
1,000,000 |
Sub-limit for any one item / set per period: |
|
|
a.Foodstuff (except Frozen Food)
|
7,500 per item
50,000 in aggregate |
10,000 per item
100,000 in aggregate |
b.Valuables
|
7,500 per item
100,000 in aggregate |
10,000 per item
150,000 in aggregate |
c.Furniture, furnishings, household appliances, computer, hi-fi, TV, home video equipment, piano etc
|
75,000 per item / per set |
100,000 per item / per set |
Extensions |
|
|
1.Alternative Accommodation
covers the rental expenses incurred for temporary accommodation for the period while your home is uninhabitable due to an insured accident
|
1,500 per day
50,000 in aggregate |
1,500 per day
50,000 in aggregate |
2.Windows and Door Lock Replacement
covers the cost of replacement of windows and door lock due to burglary or attempted theft
|
3,000 |
3,000 |
3.Frozen Food Damage
covers cost of replacing food loss due to accidental failure of electricity supply (the refrigerator which is less than 5 years old)
|
5,000 |
5,000 |
4.Personal Money / Unauthorized Use of Credit Card
covers the loss of personal money or unauthorized use of credit card due to theft, burglary or robbery occurred at home
|
2,000 |
2,000 |
5.Replacement Costs of Loss of Personal Documents
covers cost of replacement of personal documents (e.g. HKID card, passport etc) due to theft, burglary or robbery at home
|
1,500 |
1,500 |
6.Domestic Helper's Personal Effects
covers accidental loss of domestic helper's personal effects at home
|
2,500 per item
10,000 in aggregate |
2,500 per item
10,000 in aggregate |
7.Medical Expenses
covers medical expenses incurred by the insured & / or family member(s) for bodily injury sustains caused by burglars or robbers at home
|
3,000 |
3,000 |
8.Removal of Debris
covers the cost of debris removal of home contents after dismantling & / or demolishing
|
10% of adjusted loss
or maximum up to
50,000 per year
|
10% of adjusted loss
or maximum up to
50,000 per year
|
9.Temporary Removal
covers loss of home contents whilst temporarily removed from the insured location for cleaning, renovation, repair or other similar purposes (up to 14 days)
|
10,000 per item
50,000 in aggregate
|
10,000 per item
50,000 in aggregate
|
10.House Removal
covers loss of home contents whilst in transit by professional movers to a new location
|
10,000 per item
50,000 in aggregate
subject to excess of 1,000
|
10,000 per item
50,000 in aggregate
subject to excess of 1,000
|
11.Interior Works
covers accidental loss of or damage to home contents while interior works are being carried out in the home (contract value of the interior works does not exceed HK$200,000 for any one contract)
|
2,000 per item
50,000 in aggregate
subject to excess of 1,000
or 10% of the adjusted loss
|
2,000 per item
50,000 in aggregate
subject to excess of 1,000
or 10% of the adjusted loss
|