1. Fire including smoke damage and water damage arising from fire
2. Thundering & Lightning
3. Explosion including explosion of boilers or gas used for domestic purposes
4. Typhoon & Windstorm including Flood
5. Overflowing of Water Tanks, Pipes or Apparatus
6. Sprinkler Leakage
7. Riot and Strike
8. Malicious Damage
9. Aircraft Impact
10. Vehicle Impact by third party vehicle
11. Earthquake including Flood
12. Landslip and Subsidence

The Insured shall be responsible for:

1. the first HKD 3,000 of each and every loss resulting from item (4), (5), (10) & (11) in Section I;
2. the first HKD 10,000 or 10% of the loss resulting from item (12) in Section I, whichever is the greater.

This insurance does not cover loss or damage arising from :

1. the burning down of the building by the order of any public authority;
2. theft during or after the occurrence of a fire;
3. perils not specified in Section I.

1. Please ensure the sum insured is adequate.
2. You shall notify the Company for any change of situation, occupation, sum insured or mortgage.