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Home Insurance |  |
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- Coverage Summary
- Premium
- Special Features
- Major Exclusions
- Free Extention
- Free 24-hour emergency assistance referral services
Home Comprehensive Insurance
| Coverage Summary | ||
|---|---|---|
| Insured Items | Coverage | Maximum Limit (HK$) per Year |
1. Household |
Cover home contents against accidental losses occurring within Insured premises.
|
1,000,000 |
| 2. Free Extension | Replacement of damaged locks and keys or installation of damaged windows due to burglary or attempted burglary. | 8,000 |
| Loss or damage to household contents or home appliances while being temporarily removed from home due to renovation, cleaning or repairing, HK$20,000 per item subject to the maximum limit. | 100,000 | |
| Loss or damage to Domestic Helper's property at home. HK$1,000 per item subject to the maximum limit. | 25,000 | |
| Loss of Personal Cash for you and your family members as a result of burglary. | 5,000 | |
| Loss or damage to frozen food due to the failure of refrigerator or freezer. Refrigerator must be under 5 year old. | 5,000 | |
| Temporary accommodation if the insured premises is rendered uninhabitable as a result of an accidents, up to $1,500 per day and $50,000 per year. | 50,000 | |
| In the event of fire or theft at the Insured Premises, resulting in the death of the Insured of his family members, HK$ 100,000 per person subject to a maximum HK$200,000 per family per year. | 200,000 | |
| Removal of debris as a result of Insured loss. | 7,500 | |
| Loss or damage to Home Contents while they are being moved by professional removers to a new insured risk location within Hong Kong. | 100,000 | |
| 3. Public Liability | Liability coverage against any claim for bodily injury or property damage against you or your family members occurring within the territory of Hong Kong and Macau. | 5,000,000 |
| 4. Optional Cover - Domestic Helper Insurance |
Plan A : Protect your legal liability under Employees' Compensation Ordinance Plan B : Provide Plan A coverage and personal accident, medical expenses, repatriation expenses, replacement and temporary helper expenses. |
Please refer to Domestic Helper Insurance |
| Policy Excess | HK$500 for each and every claim HK$1,000 or 10% of loss amount for each and every water damage claim, whichever is the greater. |
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Premium
| Premium Table | ||
|---|---|---|
| Annual Premium Based on gross floor area (sq. ft.) (Minimum Premium: HK$550) |
Less than 500 501–700 701-1,000 1,001-1,500 1,501-2,000 2,001-2,500 More than 2,500 |
HK$550 HK$800 HK$1,000 HK$1,200 HK1,500 HK1,800 Negotiable |
| Premium of Optional Cover | Domestic Helper Protection Please refer to Domestic Helper Insurance |
Plan A : (5% Discount) Plan B : (5% Discount) |
Special Features
- Free protection against public liability, loss of personal cash due to burglary at home, personal accidents insurance for you and your family members, etc.
- Free 24-hour emergency assistance referral services for emergency electrician, emergency plumber, air conditioning engineering, 24-hour locksmith, general repairs handyman, and 24-hour general claims assistance.
Major Exclusions
War, Terrorist Act, radioactive contamination, special equipment used or profession, business or employment, contents in open area, contact lenses, mobile telephones, stamps, coins, cheques, credit cards, document of titles and manuscript, etc.
Free Extention
In meet your protection needs, we provide the following free extensions for you:
- Replacement of damaged locks and keys or installation of damaged windows due to burglary or attempted burglary.
- Loss or damage to household contents or home appliances while being temporarily removed from home due to renovation, cleaning or repairing
- Loss of Personal Cash for you and your family members as a result of burglary.
- Loss or damage to frozen food due to the failure of refrigerator or freezer
- Temporary accommodation
- Loss or damage to Home Contents while they are being moved by professional removers to a new insured risk location within Hong Kong.
- In the event of fire or theft at the Insured Premises, resulting in the death of the Insured of his family members
Free 24-hour emergency assistance referral services
For emergency assistance, home comprehensive insurance will provide free 24-hour emergency assistance referral services for you, including:
- emergency electrician
- emergency plumber
- air conditioning engineering
- 24-hour locksmith
- general repairs handyman
- 24-hour general claims assistance
Governing Law of Policy: Hong Kong Special Administrative Law
For enquiries, please visit any of our branch and sub-branches or call our customer service hotline.
Note:- The above information is supplied by China BOCOM Insurance Co., Ltd. and is for reference only. Please refer to the full wording of the policy provisions published by China BOCOM Insurance Co., Ltd. for detailed terms & conditions and exclusions.
- The insurance plan is underwritten by China BOCOM Insurance Co., Ltd. which is authorized by the Hong Kong Office of the Commissioner of Insurance to provide general insurance business. Bank of Communications Co., Ltd. Hong Kong Branch is an appointed insurance agent of China BOCOM Insurance Co., Ltd.