Safeguard your home and its contents with one comprehensive plan
A home is more than just a house. Whether you're a homeowner, landlord or tenant, enjoy peace of mind with our ResidenceSurance, designed to protect your home and the cherished items in it.
Home contents coverage for up to HKD2 million
Personal liability for you and your family of up to HKD20 million
Worldwide protection for your belongings, even when you take them outside of home or travelling, of up to HKD30,000 (Plan 1, 2, 3 and 4 only)
New for old - replace damaged or lost items with a new one of similar value before depreciation
24-Hour home assistance service hotline for cashless emergency inspection service
Limited time offer
Successfully apply online by 31 Dec 2022 to enjoy 20% off your first year premium and 15% off for the second year.
Additional OTO Eyetone – Wireless Eye Massager will be offered to those who successfully apply for Plan 3 or 4 on or before 31 Aug 2022.
If you or anyone living with you at the insured address is tested positive for COVID-19 on or before 31 Jul 2022, we will reimburse your home cleaning and sanitising expense up to HKD800.
Additional protection for loss or personal liability arising from fire or typhoon including free extra 50% sum insured for Household Contents and Personal Liability for Plans 1-4 or free extra 3 months’ protection for Loss of Rent for Plans A-B will be offered to existing customers or whom successfully apply by 31 Oct 2022.
Choose the coverage you need to protect your home
Rest easy knowing that your home contents are protected 24/7, no matter where you are
Maximum amount per claim (HKD) | Plan 1 | Plan 2 | Plan 3 | Plan 4 |
---|---|---|---|---|
Household contents | 300,000 | 600,000 | 1,200,000 | 2,000,000 |
Personal liability | 10,000,000 | 20,000,000 |
20,000,000 | 20,000,000 |
Worldwide 'All Risks' | 3,000 (1,500 per item) |
5,000 (2,500 per item) |
20,000 (8,000 per item) |
30,000 (10,000 per item) |
Alternative accommodation | 15,000 (500 per day) |
30,000 (1,000 per day) |
45,000 (1,500 per day) |
60,000 (2,000 per day) |
Domestic helper (optional) |
100,000,000 per event |
100,000,000 per event |
100,000,000 per event |
100,000,000 per event |
Top-up Worldwide 'All Risks' (optional) | Not Covered | Not Covered | Option 1:100,000 Option 2:300,000 Option 3:500,000 |
Option 1:100,000 Option 2:300,000 Option 3:500,000 |
First year annual premium illustration for floor area <= 375 sq ft after discount |
HKD576 | HKD760 | HKD1,216 | HKD1,744 |
Maximum amount per claim (HKD) | Household contents |
---|---|
Plan 1 | 300,000 |
Plan 2 | 600,000 |
Plan 3 | 1,200,000 |
Plan 4 |
2,000,000 |
Maximum amount per claim (HKD) | Personal liability |
Plan 1 | 10,000,000 |
Plan 2 |
20,000,000 |
Plan 3 | 20,000,000 |
Plan 4 | 20,000,000 |
Maximum amount per claim (HKD) | Worldwide 'All Risks' |
Plan 1 |
3,000 (1,500 per item) |
Plan 2 |
5,000 (2,500 per item) |
Plan 3 |
20,000 (8,000 per item) |
Plan 4 |
30,000 (10,000 per item) |
Maximum amount per claim (HKD) | Alternative accommodation |
Plan 1 |
15,000 (500 per day) |
Plan 2 |
30,000 (1,000 per day) |
Plan 3 |
45,000 (1,500 per day) |
Plan 4 |
60,000 (2,000 per day) |
Maximum amount per claim (HKD) |
Domestic helper (optional) |
Plan 1 |
100,000,000 per event |
Plan 2 |
100,000,000 per event |
Plan 3 |
100,000,000 per event |
Plan 4 |
100,000,000 per event |
Maximum amount per claim (HKD) | Top-up Worldwide 'All Risks' (optional) |
Plan 1 | Not Covered |
Plan 2 | Not Covered |
Plan 3 |
Option 1:100,000 Option 2:300,000 Option 3:500,000 |
Plan 4 |
Option 1:100,000 Option 2:300,000 Option 3:500,000 |
Maximum amount per claim (HKD) |
First year annual premium illustration for floor area <= 375 sq ft after discount |
Plan 1 | HKD576 |
Plan 2 | HKD760 |
Plan 3 | HKD1,216 |
Plan 4 | HKD1,744 |
Enjoy hassle-free personal liability and protection against loss of rent from HKD448 per year
Maximum amount per claim (HKD) | Plan A | Plan B |
---|---|---|
Personal liability | 20,000,000 | 20,000,000 |
Household contents | 100,000 | 300,000 |
Loss of rent |
45,000 (15,000 per month, up to 3 months) |
75,000 (25,000 per month, up to 3 months) |
24-hour home assistance service hotline | Free | Free |
Annual premium illustration for floor area <= 375 sq ft after discount | HKD448 | HKD576 |
Maximum amount per claim (HKD) | Personal liability |
---|---|
Plan A | 20,000,000 |
Plan B | 20,000,000 |
Maximum amount per claim (HKD) | Household contents |
Plan A | 100,000 |
Plan B | 300,000 |
Maximum amount per claim (HKD) |
Loss of rent |
Plan A |
45,000 (15,000 per month, up to 3 months) |
Plan B |
75,000 (25,000 per month, up to 3 months) |
Maximum amount per claim (HKD) | 24-hour home assistance service hotline |
Plan A | Free |
Plan B | Free |
Maximum amount per claim (HKD) | Annual premium illustration for floor area <= 375 sq ft after discount |
Plan A | HKD448 |
Plan B | HKD576 |
Owner (non renting out) / Occupier / Tenant
Rest easy knowing that your home contents are protected 24/7, no matter where you are
Maximum amount per claim (HKD) | Plan 1 | Plan 2 | Plan 3 | Plan 4 |
---|---|---|---|---|
Household contents | 300,000 | 600,000 | 1,200,000 | 2,000,000 |
Personal liability | 10,000,000 | 20,000,000 |
20,000,000 | 20,000,000 |
Worldwide 'All Risks' | 3,000 (1,500 per item) |
5,000 (2,500 per item) |
20,000 (8,000 per item) |
30,000 (10,000 per item) |
Alternative accommodation | 15,000 (500 per day) |
30,000 (1,000 per day) |
45,000 (1,500 per day) |
60,000 (2,000 per day) |
Domestic helper (optional) |
100,000,000 per event |
100,000,000 per event |
100,000,000 per event |
100,000,000 per event |
Top-up Worldwide 'All Risks' (optional) | Not Covered | Not Covered | Option 1:100,000 Option 2:300,000 Option 3:500,000 |
Option 1:100,000 Option 2:300,000 Option 3:500,000 |
First year annual premium illustration for floor area <= 375 sq ft after discount |
HKD576 | HKD760 | HKD1,216 | HKD1,744 |
Maximum amount per claim (HKD) | Household contents |
---|---|
Plan 1 | 300,000 |
Plan 2 | 600,000 |
Plan 3 | 1,200,000 |
Plan 4 |
2,000,000 |
Maximum amount per claim (HKD) | Personal liability |
Plan 1 | 10,000,000 |
Plan 2 |
20,000,000 |
Plan 3 | 20,000,000 |
Plan 4 | 20,000,000 |
Maximum amount per claim (HKD) | Worldwide 'All Risks' |
Plan 1 |
3,000 (1,500 per item) |
Plan 2 |
5,000 (2,500 per item) |
Plan 3 |
20,000 (8,000 per item) |
Plan 4 |
30,000 (10,000 per item) |
Maximum amount per claim (HKD) | Alternative accommodation |
Plan 1 |
15,000 (500 per day) |
Plan 2 |
30,000 (1,000 per day) |
Plan 3 |
45,000 (1,500 per day) |
Plan 4 |
60,000 (2,000 per day) |
Maximum amount per claim (HKD) |
Domestic helper (optional) |
Plan 1 |
100,000,000 per event |
Plan 2 |
100,000,000 per event |
Plan 3 |
100,000,000 per event |
Plan 4 |
100,000,000 per event |
Maximum amount per claim (HKD) | Top-up Worldwide 'All Risks' (optional) |
Plan 1 | Not Covered |
Plan 2 | Not Covered |
Plan 3 |
Option 1:100,000 Option 2:300,000 Option 3:500,000 |
Plan 4 |
Option 1:100,000 Option 2:300,000 Option 3:500,000 |
Maximum amount per claim (HKD) |
First year annual premium illustration for floor area <= 375 sq ft after discount |
Plan 1 | HKD576 |
Plan 2 | HKD760 |
Plan 3 | HKD1,216 |
Plan 4 | HKD1,744 |
Landlord (renting out)
Enjoy hassle-free personal liability and protection against loss of rent from HKD448 per year
Maximum amount per claim (HKD) | Plan A | Plan B |
---|---|---|
Personal liability | 20,000,000 | 20,000,000 |
Household contents | 100,000 | 300,000 |
Loss of rent |
45,000 (15,000 per month, up to 3 months) |
75,000 (25,000 per month, up to 3 months) |
24-hour home assistance service hotline | Free | Free |
Annual premium illustration for floor area <= 375 sq ft after discount | HKD448 | HKD576 |
Maximum amount per claim (HKD) | Personal liability |
---|---|
Plan A | 20,000,000 |
Plan B | 20,000,000 |
Maximum amount per claim (HKD) | Household contents |
Plan A | 100,000 |
Plan B | 300,000 |
Maximum amount per claim (HKD) |
Loss of rent |
Plan A |
45,000 (15,000 per month, up to 3 months) |
Plan B |
75,000 (25,000 per month, up to 3 months) |
Maximum amount per claim (HKD) | 24-hour home assistance service hotline |
Plan A | Free |
Plan B | Free |
Maximum amount per claim (HKD) | Annual premium illustration for floor area <= 375 sq ft after discount |
Plan A | HKD448 |
Plan B | HKD576 |
See coverage details
Benefits | Plan 1 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Plan 2 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Plan 3 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Plan 4 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
---|---|---|---|---|
Section 1 - Household Contents | 300,000 | 600,000 | 1,200,000 | 2,000,000 |
Household Contents (Including Fixtures & Fittings installed by You/Your Family Member) | 300,000 (30,000 / item) |
600,000 (60,000 / item) |
1,200,000 (120,000 / item) |
2,000,000 (200,000 / item) |
Sub-limit to Household Contents Fixtures and Fittings installed by property developer & previous property owner | Not covered | 300,000 (30,000 / item) |
600,000 (60,000 / item) |
1,000,000 (100,000 / item) |
Valuables | 10,000 (2,500 / item) |
150,000 (5,000 / item) |
300,000 (10,000 / item) |
500,000 (20,000 / item) |
Landlord’s Fixtures and Fittings (when You/Your Family Member is a tenant of the Home) |
300,000 (30,000 / item) |
600,000 (60,000 / item) |
1,200,000 (120,000 / item) |
2,000,000 (200,000 / item) |
Additional Cover -
1.1 Contents away from the Home |
25,000 (5,000 / item) |
600,000 (60,000 / item) |
1,200,000 (120,000 / item) |
2,000,000 (200,000 / item) |
1.2 Alternative Accommodation
1.2.1 Due to Accidental Loss of and Damage to the Household Contents; |
15,000 (500 / day) |
30,000 (1,000 / day) |
45,000 (1,500 / day) |
60,000 (2,000 / day) |
1.2.2 Due to suspension of electricity or water supply for consecutive 24 hours as a result of typhoon signal no. 8 or above or black rainstorm;
OR
1.2.3 Due to inaccessibility to Your Home for 24 consecutive hours as a result of the events beyond your reasonable control
Limit for 1.2.2 and 1.2.3 are up to 5 days per |
2,500 (500 / day) |
5,000 (1,000 / day) |
7,500 (1,500 / day) |
10,000 (2,000 / day) |
1.3 Frozen Foods Spoilage | 2,500 | 2,500 | 2,500 | 2,500 |
1.4 Household Removal Household Contents |
300,000 (30,000 / item) |
600,000 (60,000 / item) |
1,200,000 (120,000 / item) |
2,000,000 (200,000 / item) |
Valuables | 10,000 (2,5000 / item) |
150,000 (5,000 / item) |
300,000 (10,000 / item) |
500,000 (20,000 / item) |
1.5 Locks & Keys | 300,000 (30,000 / item) |
600,000 (60,000 / item) |
1,200,000 (120,000 / item) |
2,000,000 (200,000 / item) |
1.6 Storage of Furniture (up to a maximum of 30 days per event) | 300,000 (30,000 / item) |
600,000 (60,000 / item) |
1,200,000 (120,000 / item) |
2,000,000 (200,000 / item) |
1.7 Accidental Damage or Loss from Interior Decoration / Refurbishment Work |
Not covered | 100,000(10,000 / item) max. 4 months |
150,000(15,000 / item) max. 4 months |
200,000(20,000 / item) max. 4 months |
1.8 New Home - Household Contents |
100,000 (10,000 / item) | 600,000(60,000 / item) | 1,200,000(120,000 / item) | 2,000,000(200,000 / item) |
Valuables | 2,500 (2,500 / item) | 150,000(5,000 / item) |
300,000(10,000 / item) |
500,000(20,000 / item) |
1.9 Removal of Debris | 10,000 | 600,000 (60,000 / item) |
1,200,000 (120,000 / item) |
2,000,000 (200,000 / item) |
1.10 24-Hour Emergency Inspection Service (Plumber, Electrician, Locksmith) | 1,000 / year | 2,000 / year | 2,000 / year | 2,000 / year |
1.11 24-Hour Home Assistance Services | Free (no limit) | Free (no limit) |
Free (no limit) |
Free (no limit) |
Section 2 - Worldwide ‘All Risks’ Loss or damage to Personal Effects, Valuables and Personal Computers anywhere in the world |
3,000 (1,500 / item) |
5,000 (2,500 / item) | 20,000 (8,000 / item) | 30,000 (10,000 / item) |
Additional Covers:
2.1 Money |
1,000 | 1,000 | 3,000 | 3,000 |
2.2 Goods in Transit | 2,000 | 2,000 | 5,000 | 5,000 |
2.3 Personal Documents |
1,000 | 1,000 | 3,000 | 3,000 |
Section 3 - Personal Liability |
10,000,000 |
20,000,000 | 20,000,000 |
20,000,000 |
Section 4 - Loss of Rent
4.1 Uninhabitable home as a result of accidental loss of and damage to household contents |
Not covered | Not covered | Not covered | Not covered |
4.2. Rental Default Cover when a tenant does not pay rent under the tenancy agreement within 1 month after the court judgment is obtained |
Not covered | Not covered | Not covered |
Not covered |
Section 5 - Top-up Worldwide ‘All Risks’ (Optional) (This section is operative if so stated in the Policy Schedule) |
Not covered | Not covered | Option 1 100,000 (30,000 / item) Option 2 300,000 (50,000/ item) Option 3 500,000 (80,000 / item) |
Option 1 100,000 (30,000 / item) Option 2 300,000 (50,000/ item) Option 3 500,000 (80,000 / item) |
Section 6 - Domestic Helper (Optional) (This section is operative if so stated in the Policy Schedule) Liability under Legislation |
100,000,000 / event | 100,000,000 / event |
100,000,000 / event | 100,000,000 / event |
Additional Cover -
6.1 Medical Expenses |
5,000 |
5,000 |
5,000 | 5,000 |
6.2.1 Cost of returning the remains | 5,000 | 5,000 | 5,000 | 5,000 |
6.2.2 Cost of repatriation | 5,000 | 5,000 | 5,000 | 5,000 |
6.3 Domestic Helper’s Personal Effect | 10,000 | 10,000 |
10,000 | 10,000 |
Benefits | Section 1 - Household Contents |
---|---|
Plan 1 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
300,000 |
Plan 2 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
600,000 |
Plan 3 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
1,200,000 |
Plan 4 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
2,000,000 |
Benefits | Household Contents (Including Fixtures & Fittings installed by You/Your Family Member) |
Plan 1 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
300,000 (30,000 / item) |
Plan 2 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
600,000 (60,000 / item) |
Plan 3 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
1,200,000 (120,000 / item) |
Plan 4 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
2,000,000 (200,000 / item) |
Benefits | Sub-limit to Household Contents Fixtures and Fittings installed by property developer & previous property owner |
Plan 1 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Plan 2 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
300,000 (30,000 / item) |
Plan 3 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
600,000 (60,000 / item) |
Plan 4 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
1,000,000 (100,000 / item) |
Benefits | Valuables |
Plan 1 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
10,000 (2,500 / item) |
Plan 2 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
150,000 (5,000 / item) |
Plan 3 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
300,000 (10,000 / item) |
Plan 4 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
500,000 (20,000 / item) |
Benefits |
Landlord’s Fixtures and Fittings (when You/Your Family Member is a tenant of the Home) |
Plan 1 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
300,000 (30,000 / item) |
Plan 2 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
600,000 (60,000 / item) |
Plan 3 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
1,200,000 (120,000 / item) |
Plan 4 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
2,000,000 (200,000 / item) |
Benefits |
Additional Cover -
1.1 Contents away from the Home |
Plan 1 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
25,000 (5,000 / item) |
Plan 2 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
600,000 (60,000 / item) |
Plan 3 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
1,200,000 (120,000 / item) |
Plan 4 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
2,000,000 (200,000 / item) |
Benefits |
1.2 Alternative Accommodation
1.2.1 Due to Accidental Loss of and Damage to the Household Contents; |
Plan 1 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
15,000 (500 / day) |
Plan 2 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
30,000 (1,000 / day) |
Plan 3 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
45,000 (1,500 / day) |
Plan 4 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
60,000 (2,000 / day) |
Benefits |
1.2.2 Due to suspension of electricity or water supply for consecutive 24 hours as a result of typhoon signal no. 8 or above or black rainstorm;
OR
1.2.3 Due to inaccessibility to Your Home for 24 consecutive hours as a result of the events beyond your reasonable control
Limit for 1.2.2 and 1.2.3 are up to 5 days per |
Plan 1 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
2,500 (500 / day) |
Plan 2 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
5,000 (1,000 / day) |
Plan 3 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
7,500 (1,500 / day) |
Plan 4 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
10,000 (2,000 / day) |
Benefits | 1.3 Frozen Foods Spoilage |
Plan 1 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
2,500 |
Plan 2 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
2,500 |
Plan 3 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
2,500 |
Plan 4 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
2,500 |
Benefits |
1.4 Household Removal Household Contents |
Plan 1 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
300,000 (30,000 / item) |
Plan 2 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
600,000 (60,000 / item) |
Plan 3 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
1,200,000 (120,000 / item) |
Plan 4 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
2,000,000 (200,000 / item) |
Benefits | Valuables |
Plan 1 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
10,000 (2,5000 / item) |
Plan 2 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
150,000 (5,000 / item) |
Plan 3 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
300,000 (10,000 / item) |
Plan 4 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
500,000 (20,000 / item) |
Benefits | 1.5 Locks & Keys |
Plan 1 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
300,000 (30,000 / item) |
Plan 2 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
600,000 (60,000 / item) |
Plan 3 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
1,200,000 (120,000 / item) |
Plan 4 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
2,000,000 (200,000 / item) |
Benefits | 1.6 Storage of Furniture (up to a maximum of 30 days per event) |
Plan 1 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
300,000 (30,000 / item) |
Plan 2 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
600,000 (60,000 / item) |
Plan 3 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
1,200,000 (120,000 / item) |
Plan 4 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
2,000,000 (200,000 / item) |
Benefits |
1.7 Accidental Damage or Loss from Interior Decoration / Refurbishment Work |
Plan 1 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Plan 2 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
100,000(10,000 / item) max. 4 months |
Plan 3 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
150,000(15,000 / item) max. 4 months |
Plan 4 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
200,000(20,000 / item) max. 4 months |
Benefits |
1.8 New Home - Household Contents |
Plan 1 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
100,000 (10,000 / item) |
Plan 2 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
600,000(60,000 / item) |
Plan 3 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
1,200,000(120,000 / item) |
Plan 4 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
2,000,000(200,000 / item) |
Benefits | Valuables |
Plan 1 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
2,500 (2,500 / item) |
Plan 2 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
150,000(5,000 / item) |
Plan 3 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
300,000(10,000 / item) |
Plan 4 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
500,000(20,000 / item) |
Benefits | 1.9 Removal of Debris |
Plan 1 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
10,000 |
Plan 2 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
600,000 (60,000 / item) |
Plan 3 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
1,200,000 (120,000 / item) |
Plan 4 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
2,000,000 (200,000 / item) |
Benefits | 1.10 24-Hour Emergency Inspection Service (Plumber, Electrician, Locksmith) |
Plan 1 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
1,000 / year |
Plan 2 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
2,000 / year |
Plan 3 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
2,000 / year |
Plan 4 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
2,000 / year |
Benefits | 1.11 24-Hour Home Assistance Services |
Plan 1 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Free (no limit) |
Plan 2 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Free (no limit) |
Plan 3 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Free (no limit) |
Plan 4 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Free (no limit) |
Benefits |
Section 2 - Worldwide ‘All Risks’ Loss or damage to Personal Effects, Valuables and Personal Computers anywhere in the world |
Plan 1 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
3,000 (1,500 / item) |
Plan 2 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
5,000 (2,500 / item) |
Plan 3 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
20,000 (8,000 / item) |
Plan 4 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
30,000 (10,000 / item) |
Benefits |
Additional Covers:
2.1 Money |
Plan 1 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
1,000 |
Plan 2 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
1,000 |
Plan 3 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
3,000 |
Plan 4 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
3,000 |
Benefits | 2.2 Goods in Transit |
Plan 1 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
2,000 |
Plan 2 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
2,000 |
Plan 3 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
5,000 |
Plan 4 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
5,000 |
Benefits |
2.3 Personal Documents |
Plan 1 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
1,000 |
Plan 2 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
1,000 |
Plan 3 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
3,000 |
Plan 4 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
3,000 |
Benefits |
Section 3 - Personal Liability |
Plan 1 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
10,000,000 |
Plan 2 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
20,000,000 |
Plan 3 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
20,000,000 |
Plan 4 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
20,000,000 |
Benefits |
Section 4 - Loss of Rent
4.1 Uninhabitable home as a result of accidental loss of and damage to household contents |
Plan 1 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Plan 2 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Plan 3 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Plan 4 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Benefits |
4.2. Rental Default Cover when a tenant does not pay rent under the tenancy agreement within 1 month after the court judgment is obtained |
Plan 1 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Plan 2 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Plan 3 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Plan 4 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Benefits |
Section 5 - Top-up Worldwide ‘All Risks’ (Optional) (This section is operative if so stated in the Policy Schedule) |
Plan 1 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Plan 2 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Plan 3 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Option 1 100,000 (30,000 / item) Option 2 300,000 (50,000/ item) Option 3 500,000 (80,000 / item) |
Plan 4 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Option 1 100,000 (30,000 / item) Option 2 300,000 (50,000/ item) Option 3 500,000 (80,000 / item) |
Benefits |
Section 6 - Domestic Helper (Optional) (This section is operative if so stated in the Policy Schedule) Liability under Legislation |
Plan 1 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
100,000,000 / event |
Plan 2 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
100,000,000 / event |
Plan 3 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
100,000,000 / event |
Plan 4 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
100,000,000 / event |
Benefits |
Additional Cover -
6.1 Medical Expenses |
Plan 1 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
5,000 |
Plan 2 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
5,000 |
Plan 3 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
5,000 |
Plan 4 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
5,000 |
Benefits | 6.2.1 Cost of returning the remains |
Plan 1 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
5,000 |
Plan 2 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
5,000 |
Plan 3 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
5,000 |
Plan 4 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
5,000 |
Benefits | 6.2.2 Cost of repatriation |
Plan 1 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
5,000 |
Plan 2 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
5,000 |
Plan 3 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
5,000 |
Plan 4 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
5,000 |
Benefits | 6.3 Domestic Helper’s Personal Effect |
Plan 1 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
10,000 |
Plan 2 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
10,000 |
Plan 3 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
10,000 |
Plan 4 Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
10,000 |
Benefits | Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
---|---|---|
Section 1 - Household Contents | 100,000 | 300,000 |
Household Contents (Including Fixtures & Fittings installed by You) | 100,000(5,000 / item) This excludes Personal Computers and Personal Effects |
300,000(10,000 / item) This excludes Personal Computers and Personal Effects |
Sub-limit to Household Contents Fixtures and Fittings installed by property developer & previous property owner | 100,000(5,000 / item) | 200,000(10,000 / item) |
Valuables | Not covered | Not covered |
Landlord’s Fixtures and Fittings (when You/Your Family Member is a tenant of the Home) |
Not covered | Not covered |
Additional Covers
1.1 Contents away from the Home |
100,000(5,000 / item) This excludes Personal Computers and Personal Effects |
300,000(10,000 / item) This excludes Personal Computers and Personal Effects |
1.2 Alternative Accommodation
1.2.1 Due to Accidental Loss of and Damage to the Household Contents;
OR |
Not covered | Not covered |
1.2.2 Due to suspension of electricity or water supply for consecutive 24 hours as a result of typhoon signal no. 8 or above or black rainstorm;
OR
1.2.3 Due to inaccessibility to Your Home for 24 consecutive hours as a result of the events beyond your reasonable control
Limit for 1.2.2 and 1.2.3 are up to 5 days per policy year respectively for consecutive 24 hours as a result of typhoon signal no. 8 or above or black rainstorm; |
Not covered | Not covered |
1.3 Frozen Foods Spoilage | Not covered | Not covered |
1.4 Household Removal Household Contents |
100,000(5,000 / item) This excludes Personal Computers and Personal Effects |
300,000(10,000 / item) This excludes Personal Computers and Personal Effects |
Valuables |
Not covered | Not covered |
1.5 Locks & Keys | 100,000(5,000 / item) |
300,000(10,000 / item) |
1.6 Storage of Furniture (up to a maximum of 30 days per event) | 100,000(5,000 / item) This excludes Personal Computers and Personal Effects |
300,000(10,000 / item) This excludes Personal Computers and Personal Effects |
1.7 Accidental Damage or Loss from Interior Decoration / Refurbishment Work |
100,000(10,000 / item) max. 4 months |
150,000(15,000 / item) max. 4 months |
1.8 New Home - Household Contents |
Not covered | Not covered |
Valuables | Not covered |
Not covered |
1.9 Removal of Debris | 100,000(5,000 / item) This excludes Personal Computers and Personal Effects |
300,000(10,000 / item) This excludes Personal Computers and Personal Effects |
1.10 24-Hour Emergency Inspection Service (Plumber, Electrician, Locksmith) | 2,000 / year | 2,000 / year |
1.11 24-Hour Home Assistance Services | Free (no limit) | Free (no limit) |
Section 2 - Worldwide ‘All Risks’ Loss or damage to Personal Effects, Valuables, desktop/ laptop/tablet computer anywhere in the world |
Not covered | Not covered |
Additional Cover - 2.1 Money | Not covered | Not covered |
2.2 Goods in Transit | Not covered | Not covered |
2.3 Personal Documents |
Not covered | Not covered |
Section 3 - Personal Liability |
20,000,000 |
20,000,000 |
Section 4 - Loss of Rent
4.1 Uninhabitable home as a result of accidental loss of and damage to household contents |
45,000 (15,000/month, up to 3 months) |
75,000 (25,000/month, up to 3 months) |
4.2. Rental Default Cover when a tenant does not pay rent under the tenancy agreement within 1 month after the court judgment is obtained |
25,000 | 25,000 |
Section 5 - Top-up Worldwide ‘All Risks’ (Optional) (This section is operative if so stated in the Policy Schedule) |
Not covered | Not covered |
Section 6 - Domestic Helper (Optional) (This section is operative if so stated in the Policy Schedule) Liability under Legislation |
Not covered | Not covered |
Additional Cover -
6.1 Medical Expenses |
Not covered | Not covered |
6.2.1 Cost of returning the remains | Not covered | Not covered |
6.2.2 Cost of repatriation | Not covered | Not covered |
6.3 Domestic Helper’s Personal Effect | Not covered |
Not covered |
Benefits | Section 1 - Household Contents |
---|---|
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
100,000 |
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
300,000 |
Benefits | Household Contents (Including Fixtures & Fittings installed by You) |
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
100,000(5,000 / item) This excludes Personal Computers and Personal Effects |
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
300,000(10,000 / item) This excludes Personal Computers and Personal Effects |
Benefits | Sub-limit to Household Contents Fixtures and Fittings installed by property developer & previous property owner |
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
100,000(5,000 / item) |
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
200,000(10,000 / item) |
Benefits | Valuables |
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Benefits |
Landlord’s Fixtures and Fittings (when You/Your Family Member is a tenant of the Home) |
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Benefits |
Additional Covers
1.1 Contents away from the Home |
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
100,000(5,000 / item) This excludes Personal Computers and Personal Effects |
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
300,000(10,000 / item) This excludes Personal Computers and Personal Effects |
Benefits |
1.2 Alternative Accommodation
1.2.1 Due to Accidental Loss of and Damage to the Household Contents;
OR |
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Benefits |
1.2.2 Due to suspension of electricity or water supply for consecutive 24 hours as a result of typhoon signal no. 8 or above or black rainstorm;
OR
1.2.3 Due to inaccessibility to Your Home for 24 consecutive hours as a result of the events beyond your reasonable control
Limit for 1.2.2 and 1.2.3 are up to 5 days per policy year respectively for consecutive 24 hours as a result of typhoon signal no. 8 or above or black rainstorm; |
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Benefits | 1.3 Frozen Foods Spoilage |
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Benefits |
1.4 Household Removal Household Contents |
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
100,000(5,000 / item) This excludes Personal Computers and Personal Effects |
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
300,000(10,000 / item) This excludes Personal Computers and Personal Effects |
Benefits |
Valuables |
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Benefits | 1.5 Locks & Keys |
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
100,000(5,000 / item) |
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
300,000(10,000 / item) |
Benefits | 1.6 Storage of Furniture (up to a maximum of 30 days per event) |
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
100,000(5,000 / item) This excludes Personal Computers and Personal Effects |
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
300,000(10,000 / item) This excludes Personal Computers and Personal Effects |
Benefits |
1.7 Accidental Damage or Loss from Interior Decoration / Refurbishment Work |
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
100,000(10,000 / item) max. 4 months |
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
150,000(15,000 / item) max. 4 months |
Benefits |
1.8 New Home - Household Contents |
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Benefits | Valuables |
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Benefits | 1.9 Removal of Debris |
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
100,000(5,000 / item) This excludes Personal Computers and Personal Effects |
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
300,000(10,000 / item) This excludes Personal Computers and Personal Effects |
Benefits | 1.10 24-Hour Emergency Inspection Service (Plumber, Electrician, Locksmith) |
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
2,000 / year |
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
2,000 / year |
Benefits | 1.11 24-Hour Home Assistance Services |
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Free (no limit) |
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Free (no limit) |
Benefits |
Section 2 - Worldwide ‘All Risks’ Loss or damage to Personal Effects, Valuables, desktop/ laptop/tablet computer anywhere in the world |
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Benefits | Additional Cover - 2.1 Money |
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Benefits | 2.2 Goods in Transit |
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Benefits |
2.3 Personal Documents |
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Benefits |
Section 3 - Personal Liability |
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
20,000,000 |
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
20,000,000 |
Benefits |
Section 4 - Loss of Rent
4.1 Uninhabitable home as a result of accidental loss of and damage to household contents |
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
45,000 (15,000/month, up to 3 months) |
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
75,000 (25,000/month, up to 3 months) |
Benefits |
4.2. Rental Default Cover when a tenant does not pay rent under the tenancy agreement within 1 month after the court judgment is obtained |
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
25,000 |
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
25,000 |
Benefits |
Section 5 - Top-up Worldwide ‘All Risks’ (Optional) (This section is operative if so stated in the Policy Schedule) |
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Benefits |
Section 6 - Domestic Helper (Optional) (This section is operative if so stated in the Policy Schedule) Liability under Legislation |
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Benefits |
Additional Cover -
6.1 Medical Expenses |
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Benefits | 6.2.1 Cost of returning the remains |
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Benefits | 6.2.2 Cost of repatriation |
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Benefits | 6.3 Domestic Helper’s Personal Effect |
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD) |
Not covered |
Excess
Section 1 - Household contents
Non-water damage excess per claim
- For building aged 0-50 years: the first HKD500
- For building aged 51 years or above: subject to underwriting
Water damage excess per claim
- For building aged 0-40 years: the first HKD1,000
- For building aged 41-60 years: first HKD10,000
- For building aged over 60 years: subject to underwriting
Section 2 - Worldwide 'All Risks'
- Excess per claim: the first HKD500
Section 3 - Personal liability
- Water damage excess per claim for building age over 40 years: the first HKD7,500
Section 4 - Loss of rent
- Excess per claim for uninhabitable home: first 2 weeks' rent
Section 5 - Top-up Worldwide 'All Risks' (Optional)
Excess per claim
- Option 1: HKD5,000 or 10% of the loss, whichever is the lower
- Option 2: HKD8,000 or 10% of the loss, whichever is the lower
- Option 3: HKD10,000 or 10% of the loss, whichever is the lower
Section 6 - Domestic helper (Optional)
- Excess per claim for domestic helper's personal effects: first HKD500
Major Exclusions
- Loss or damage due to war risks, radioactive contamination or sonic bangs
- Theft or malicious damage if your home is unoccupied for more than 30 consecutive days
- Theft in your home if any part is let
- Loss of or damage to spectacles, contact lenses, mobile phones, pagers, records, tapes, laser discs and the like
- Theft from any unattended private motor vehicle unless all windows were securely closed and all doors and the boot were locked
- Properties contained in or on verandas, balconies, patios, terraces, forecourts, which are in the open generally
- Fixtures and fittings installed by property developer and previous property owner if Plan 1 is chosen
- Excess where applicable, refer to Sum Insured Table
For details of all exclusions, please refer to the policy wordings
Frequently asked questions
Do I still need home insurance if I've already bought a fire insurance policy?

These two policies are different. ResidenceSurance protects household contents inside the home, such as furniture, electrical appliances, fixtures and fittings installed by you or your family members (including those from the property developer / previous property owner except for Plan 1), etc., and personal belongings such as jewellery and laptop computer when you’re out of home. Fire insurance covers building structures such as walls, windows, ceiling, floor and pipes.
And so, the covers are complementary with each other. For comprehensive protection, you should consider buying both insurance policies.
What will I be covered for if a water pipe in my home bursts?

In the event of a burst pipe, ResidenceSurance will cover:
- 24-hour emergency assistance service;
- loss or damage of your household contents;
- loss or damage of fixtures and fittings installed by you or your family members (All plans) or by property developer or previous property owner (except Plan 1);
- cost of reasonable temporary accommodation if your home is uninhabitable due to damage of your household contents;
- cost of temporary storage of your furniture (e.g. mini-storage fee);
- pipe repair cost (except for the pipes installed by property developer/previous property owner in Plan 1) and its bursting is caused by accidental damage such as during renovation works (but not by wear and tear due to aging of the pipe) not specifically excluded under the policy. The relevant repair cost of the pipe will only be covered if there is proof of accidental damage provided by you;
- liability to third party. If the water from the burst pipe damages property of a third party, e.g. the residential unit downstairs, your personal liability for such damage will also be covered if you are held legally liable for the situation (e.g. you are held negligent by the court for not taking immediate actions to stop the water flow as soon as the water pipe burst is discovered).
What will I be covered for if there's a typhoon or black rainstorm?

In addition to the benefits on accidental damage and loss of household contents caused by typhoon or rainstorm, ResidenceSurance provides alternative accommodation up to HKD10,000 (HKD2,000 per day) which depends on the plan you choose, if there is suspension of electricity or water supply at your Home for 24 consecutive hours because of typhoon signal no.8 or above or black rainstorm.
As a tenant, why do I need home insurance?

You may be surprised by how much your home contents are actually worth! Valuable items such as your laptop, game consoles, luxury bags and watches will be covered by home insurance in the event that something happens to them.
And as a tenant, you may be liable for any damage done to your landlord's possessions - especially any fixtures and fittings, which can be relatively expensive.
So it's smart to protect yourself before it becomes a high financial and emotional cost. After all, with a premium of as low as HKD576 for the first-year policy, you could insure your home contents for up to HKD300,000 and your personal liability for up to HKD10 million.
As a landlord (renting out), why do I need home insurance?

ResidenceSurance protects your rental income by providing coverage for loss of rent of up to HKD75,000 if the premises are uninhabitable because of accidental loss of or damage to household contents (not including valuables, personal computer and personal effects), or for rental default of up to HKD25,000 per month if your tenant does not pay the outstanding rent under the tenancy agreement within 1 month after a court judgment is obtained.
ResidenceSurance also covers the furniture, electrical appliances and the fixtures and fittings installed by you, the property developer or previous property owner in the rental unit. The liability coverage can protect you from liability due to bodily injury or property damage to third party arising from the rental property.
Please note that ResidenceSurance’s coverage may overlap with your other existing protection plans’ coverage or exceed your needs, we suggest you compare ResidenceSurance’s coverage with any existing protection plan you have in place to avoid duplication.
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End notes
General Insurance products are applicable to HSBC credit card holders only.
The above information is intended as a general summary. Please refer to the policy wording for exact terms and conditions and details of the exclusions.
The above policy is underwritten by AXA General Insurance Hong Kong Limited ("AXA"), which is authorised and regulated by the Insurance Authority of the Hong Kong SAR. AXA will be responsible for providing your insurance coverage and handling claims under your policy. The Hongkong and Shanghai Banking Corporation Limited(“HSBC”) is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agent of AXA for distribution of general insurance products in the Hong Kong SAR. General insurance plans are products of AXA but not HSBC.
For monetary disputes arising between HSBC and you out of the selling process or processing of the related transaction by HSBC, HSBC will enter into a Financial Dispute Resolution Scheme process with you. On the other hand, for any disputes over the terms and conditions of your policy, AXA will resolve with you directly.