HOMECARE EXTRA

Protects your home away from varying risks.

Whether you are a flat owner or a tenant, our HOMECARE EXTRA provides comprehensive protection to you.

 

Max Care Limit

The maximum aggregate limit for home contents is up to HKD1,000,000 per year. 

Extensive Cover

Provides cover risk cover for home contents against accidental physical loss or damage to ensure you stay stress-free to your home. Conditions apply.

Personal Legal Liability

Provides up to HKD 10,000,000 Coverage for the legal liability of Causing third-party death, bodily injury or property damage to share your liability.

COVERAGE
COVERAGE
Coverage
Maximum Limit of Cover (HKD)
Section A Home Contents (Basic Cover)
An All Risks cover provides against any accidental physical loss
or damage including the perils of fire, lightning, theft, typhoon, windstorm, flood, explosion, earthquake, bursting of pipes and malicious damage.
$1,000,000 per year
Home contents
(other than valuables or jewellery)
$100,000 per item/set/collection
Valuables or jewellery
$10,000 per item/$150,000 per year
Temporary Removal
(Home contents being temporarily removed to any other premises for cleaning or repairing)
$5,000 per item/$50,000 per year
Premises Removal
(Home contents during the course of transit by professional removers)
$5,000 per item/$150,000 per year
Loss of or damage to unspecified personal effects within Hong Kong
$3,000 per item/$15,000 per year
Loss of personal money
(Caused by fire or theft at the insured premises)
$5,000 per year
Locks and Keys
(For replacement cost following its loss or damage due to burglary)
$5,000 per year
Frozen Food
(Should the food be spoilt due to refrigerator failure)
$5,000 per year
Alternative Accommodation
(The insured premises being rendered uninhabitable due to damage to home contents caused by insured perils)
$3,000 per day /$60,000 per year
Removal of Debris
(On cost of removal of debris following loss or damage to the home contents caused by insured perils)
$50,000 per year
Personal Accident
(The Insured or his family members be killed caused by fire or theft)
$25,000 per person /$100,000 per year
Section B Personal Liability
To indemnify you and your family members in respect of accidental bodily injury or property damage to third party due to your negligence for which you are legally liable.
Subject to Hong Kong Jurisdiction
Geographical Limits
• Hong Kong
• Worldwide in respect of temporary visits with each visit not exceeding 60 consecutive days.
For this purpose, visit means a round trip commencing in Hong Kong
$10,000,000 per year
Extension
Sub-limit:
Tenant's Liability
$10,000,000 per year
Owner's Liability in common area of the home building
$1,000,000 per occurrence
Domestic Helper Legal Liability
Covered
Section C Home Building (Optional)
Provides cover for your home building against any sum insured accidental physical damage including the perils of fire, lightning, theft, typhoon, windstorm, flood, explosion, earthquake, bursting of pipes and malicious damage.
Alternative Accommodation
(The building being rendered uninhabitable due to damage caused by insured perils)
$1,500 per day /
$50,000 per year
Professional Fees
(Necessarily incurred in the reinstatement or replacement of the building after loss or damage caused by any insured perils)
$50,000 per year
Removal of Debris
(On cost of removal of debris following damage to the building caused by insured perils)
$50,000 per year
Section D Home Assistant Services
A 24-hour Home Assistant hotline is provided to you for the referral services of electrical, plumbing, locksmith, emergency homenursing, pest control and cleaning.
Personal Cyber Protection (Extra Benefit)
For Standard Plan only:
Cyber Basic: Theft of Funds / Identity Theft / Cyber Extortion
$5,000 per year
Deductible : $300 each & every claim
For Comprehensive Plan only:
Cyber Comprehensive: Theft of Funds /Identity Theft / Data Restoration /
Malware Decontamination / Cyberbullying / Cyber Stalking / Loss of Reputation /Cyber
Extortion / Online Shopping
$10,000 per year
Important Notes
Important Notes
  1.  Do not have a home insurance policy cancelled, declined, refused to renew or had special terms and conditions imposed upon a policy, or have made or reported a home insurance claim in the past 3 years
  2. Insured Premise is built of brick, concrete and roofed with concrete and is in good state of repair.
  3. No part of insured premise is below ground floor level.
  4. Insured Premise is of residential nature which is solely occupied by policyholder. 
  5. Insured Premise is not left unoccupied for more than 60 days consecutively.
  6. Insured Premise is not a sub-divided flat.

Major Exclusions

  1. Loss of or damage to mobile/portable telephone, pagers, spectacles, contact lens and sporting equipment;
  2. Loss of or damage to contents caused by scratching, rust, wear and tear, vermin and mechanical or electrical fault or breakdown;
  3. Loss of or damage to computer records;
  4. Loss of or damage to contents on the roof or open area or insured under a separate policy;
  5. Any loss or damage caused by or resulting from unexplained or mysterious disappearance
  6. Consequential loss or damage of any kind
  7. 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.
  8. Claims arising from war, radioactivity or sonic bangs;

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

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