Householders' Comprehensive Insurance

Online Application 15% off, Premium HK$425 up.

REFERRAL PROGRAM

From now on, SHKPI existing Householders' Comprehensive Insurance customers can obtain HK$30 cash coupon for successfully referring his/her relatives or friends to procure Householders' Comprehensive Insurance with our Company. For details, please call us at 2828 7886.

HOUSEHOLDERS' COMPREHENSIVE INSURANCE

Households' comprehensive insurance provides you and your family with extensive coverage for accidental damage to your home contents and personal valuables such as home decoration, furniture, electrical appliances, jewellery, watches etc. plus a wide range of FREE coverage.

HIGHLIGHTS

"New for Old" settlement
Low premium for comprehensive coverage
3 plans for your personal needs

ALL RISKS PROTECTIONS

An "All Risks" policy protects you from loss of or damage to your home contents & personal belongings with maximum benefit up to HK$1,000,000.00 per year in the event of the following :
Fire, explosion, water damage, theft, typhoon, windstorm or flooding, earthquake, riot & strike, malicious damage and other accidental damage.

FREE EXTRA PROTECTIONS

Personal Money
Up to HK$3,000 for accidental loss or theft of money in your home.
Personal Accident
Up to HK$50,000 per person and HK$150,000 in aggregate in the event of death or permanent disablement of you or your family members as a result of fire, armed robbery or theft in your home.
Temporary Removal
Up to HK$20,000 for loss of or damage to home contents that are temporarily removed from your home for renovation, cleaning or repair.
Alternative Accommodation
Up to HK$1,200 per day and HK$30,000 in aggregate reimbursement for temporary accommodation should your home become uninhabitable as a result of any insured peril.
Locks and Keys
HK$2,000 for the cost of repairing locks, keys and windows damaged as a result of burglary or attempt theft.
Wallpaper
Up to HK$25,000 for accidental loss or damage to wallpaper less than 3 years of age.
Household Improvement
Up to HK$25,000 for accidental loss or damage to the improvements made to landlord's fixtures and fittings.
Personal Liability
Up to HK$3,000,000 against any claim on third party bodily injury or property damage resulting from your or your family members' negligence subject to Hong Kong jurisdiction.

3 PLANS FOR YOUR PERSONAL NEEDS

Maximum Limits per year (HK$)
PARTICULARS OF COVER	Diamond Plan	Gold Plan	Silver Plan
Section 1 - Home Contents
Aggregate Limit of Indemniity	1,000,000	500,000	300,000
On Home Contents
- per item	150,000	75,000	40,000
On Valuables :
- per item	10,000	6,000	3,000
- aggregate limit	150,000	100,000	50,000
On the Home Contents of the Domestic Helper
- per item	3,000	2,000	1,000
- aggregate limit	25,000	15,000	7,500
Extra Protections :
1) Money	3,000	2,000	1,000
2) Personal Accident
- you & each family member	50,000	25,000	10,000
- aggregate limit	150,000	75,000	30,000
3) Temporary Removal	20,000	10,000	5,000
4) Alternative Accommodation
- per day	1,200	600	400
- aggregate limit	30,000	15,000	10,000
5) Locks and Keys	2,000	2,000	2,000
6) Wallpaper	25,000	20,000	15,000
7) Household Improvement	25,000	20,000	15,000
Section 2 - Personal Liability
Aggregate limit of Indemnity	3,000,000	2,000,000	1,000,000

GENERAL EXCLUSIONS

Unoccupied home not lived in for 30 consecutive days.
Spectacles, contact or corneal lenses, mobile/portable phones and pagers.
Special equipment or apparatuses used in connection with any profession, business or employment, or items which are insured under a separate policy.
Uninsurable risks such as scratching, corrosion, wear and tear, mechanical or electrical breakdown.
Malicious damage or vandalism by a person lawfully in your home.
Detention, seizure or confiscation by customs or other officials.
Contents on roof or in open area.
Aerial devices or satellite dishes.
Loss or damage due to war, terrorism, radioactive contamination or sonic booms.
HK$1,000 deductible on each claim for home contents or valuables damaged by typhoon, windstorm, flooding and other water damage.
HK$500 deductible on each claim for home contents or valuables damaged by other perils.
HK$2,000 or 10% of each claim (whichever is the greater) deductible for home contents resulting from theft.

PREMIUM TABLE

Insurer's max liability	Diamond Plan		Gold Plan		Silver Plan
Home Contents Personal liability	HK$1,000,000 HK$3,000,000		HK$500,000 HK$2,000,000		HK$300,000 HK$1,000,000
Gross Floor Area (in sq. ft.)	Annual Premium for Online Application (HK$) (15% discount)
Less than 500	~~850~~	722.5	~~600~~	510.0	~~500~~	425.0
501 - 800	~~1050~~	892.5	~~750~~	637.5	~~550~~	467.5
801 - 1,100	~~1370~~	1164.5	~~950~~	807.5	~~700~~	595.0
1,101 - 1,400	~~1700~~	1445.0	~~1250~~	1062.5	N/A
1,401 - 2,000	~~2230~~	1895.5	~~1700~~	1445.0	N/A
2,001 - 2,500	~~2800~~	2380.0	N/A		N/A

INSURANCE APPLICATION

Online Application	Download Application Form	Online Renewal

Customer Service Hotline : 2828 7886

Email : shkpi@shkp.com

The information in this site is a general summary. Please refer to the actual policy for exact terms and conditions