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| Home Contents All Risks |
Plan 1 |
Plan 2 |
| |
"All Risks" cover against accidental loss of or damage to home contents |
|
$500,000
(per loss) |
$1,000,000
(per loss) |
 Valuables |
$150,000
($10,000 per
item) |
$300,000
($20,000 per
item) |
| Fragile Items |
$5,000 |
$5,000 |
| Other Home Contents |
$75,000
(per item) |
$150,000
(per item) |
| Free Extensions |
| 1. |
Alternative Accommodation
Rental costs incurred for temporary accommodation while your home is uninhabitable due to an insured accident |
|
$30,000
($1,000 per day) |
$60,000
($2,000 per day) |
| 2. |
Domestic Helper's Properties
Accidental loss of or damage to your domestic helper's personal effects at home |
|
$1,500
($500 per item) |
$2,500
($500 per item) |
| 3. |
Personal Accident
Fatal accident to you or your family member due to fire or burglary at home |
|
$500,000
($100,000 per person) |
$500,000
($100,000 per person) |
| 4. |
Burglary Injury Allowance
Medical expenses incurred by you or your family member due to fire or burglary at home |
|
$15,000 |
$15,000 |
| 5. |
Burial & Funeral Expenses
Burial and funeral expenses incurred as a result of death of you or your family member due to fire or burglary at home |
|
$20,000 |
$20,000 |
| 6. |
Damaged Locks / Windows
Cost of replacing damaged windows, door locks and keys due to theft or burglary at home |
|
$3,000 |
$3,500 |
| 7. |
Loss of Personal Effects at Workplace
Accidental loss of or damage to your personal effects at your workplace |
|
$1,000 |
$2,500 |
| 8. |
Frozen Food
Indemnify costs of the spoilt food due to breakdown of freezer or power supply failure |
|
$5,000 |
$5,000 |
| 9. |
Contents Temporarily Removal (max. 60 days)
Accidental loss of or damage to your home contents during maintenance at other premises |
|
$25,000 |
$50,000 |
| 10. |
Loss of Money and Unauthorized Use of Credit Card at home
Loss of money and unauthorized use of credit card due to theft or burglary at your home |
|
$10,000
($3,000 per loss) |
$10,000
($3,000 per loss) |
| 11. |
Interior Decoration (max. 60 days)
Loss of or damage to your home contents during home decoration or refurbishment |
|
$100,000
($10,000 per item) |
$100,000
($10,000 per item) |
| 12. |
Contents in Transit
Accidental loss of or damage to your home contents during home removal by professional removers |
|
$500,000
(per loss) |
$1,000,000
(per loss) |
| 13. |
Removal of Debris
Cost of removing debris while your home is accidentally damaged |
|
$100,000 |
$100,000 |
| 14. |
Festive Seasonal Increase
Automatically increased by 50% of your home contents sum insured during Christmas and Chinese New Year |
|
$250,000 |
$500,000 |
| 15. |
Temporary Storage of Furniture
Accidental loss of or damage to your home contents stored in professional remover's premises during your home removal or cost of storing furniture while your home is uninhabitable due to an insured accident |
|
$50,000 |
$100,000 |
| 16. |
Moving Home (max. 60 days)
Accidental loss of or damage to your home contents at the new home during home removal |
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Valuables |
|
$30,000
(per loss) |
$60,000
(per loss) |
| |
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Other Home Contents |
|
$100,000
(per loss) |
$200,000
(per loss) |
| Valuable Worldwide All Risks |
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"All Risks" cover against accidental loss of or damage to personal effects anywhere in the world |
|
$15,000
($5,000 per item) |
$30,000
($10,000 per item) |
| Free Extensions |
| 1. |
Personal Documents Protection
Cost of replacing personal documents such as passports or identity cards due to theft or burglary |
|
$1,500
| $3,000
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| 2. |
Money Protection
Loss of Money due to theft or burglary |
|
$2,500
| $3,500
|
| 3. |
Credit Card Protection
Unauthorized use of credit card due to theft or burglary |
|
$1,500
| $3,000
|
| 4. |
Goods in Transit
Loss of or damage to your newly purchased personal effects being in transit to home |
|
$1,000
| $2,000
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| Occupier's and Personal Liability |
|
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Personal liability for third party bodily injury and/or property damage as a result of you or your family members' negligence |
|
$10,000,000 |
$10,000,000 |
| |
We will also cover your liability as an owner of your home provided you occupy it |
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* Excess
Applicable to Home Contents All Risks and Valuable Worldwide All Risks
| i. | the first HK$250 of each and every claim |
| ii. | the first HK$3,000 or 10% of loss, whichever is the greater in respect of water damage claim for improvements to fixtures and interior decoration or Extensions 11 (Interior Decoration) under Home Contents All Risks |
The above is not a contract of insurance and is intended only as a general summary of the terms of insurance. The specific details, terms and conditions applicable to this insurance are set out in the Home Contents Insurance Policy to be issued by QBE Hongkong & Shanghai Insurance Limited.
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