Householders' Comprehensive Insurance

Sun Hung Kai Properties Insurance Limited > Products > Householders' Comprehensive Insurance

Online Application 15% discount, Premium HK$446.73 up.

From now on until 31/12/2023, successful new application shall obtain

Free gift of a HK$50 Yata cash coupon*

*applicable to new customers

HOUSEHOLDERS' COMPREHENSIVE INSURANCE

Have you considered some home accidents may make you spend an extra cost to repair or reinstate your home contents and personal valuables, and even need to indemnity third parties an unpredictable loss against your legal liability? Householders' Comprehensive Insurance gives you peace of mind.

HIGHLIGHTS

"New for Old" settlement
All risks protection
3 plans for your personal needs

ALL RISKS PROTECTIONS

Householders' Comprehensive Insurance, an all risks policy provides you and your family with an extensive coverage for accidental damage to your home contents and personal valuables such as home decoration, furniture, electrical appliances, jewellery, watches, etc. with maximum limit up to HK$1,000,000 per year, plus a wide range of free extra protections. The Insured perils include fire, explosion, water damage, theft, typhoon, windstorm, flooding and other accidental damage. The policy also provides personal liability cover with maximum limit up to HK$10,000,000.

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$1,500 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.
Removal of Debris
Up to HK$15,000 per year for cost of removal of debris when household contents are accidentally lost or damaged.
Interior Alterations or Refurbishment Works
Accidental loss of or damage to home contents during interior alterations or refurbishment works, subject to related maximum contract value and period.

Personal Liability
Up to HK$10,000,000 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 Indemnity	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	200,000	120,000	60,000
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	1,500	800	600
- aggregate limit	30,000	15,000	10,000
5) Locks and Keys	2,000	2,000	2,000
6) Removal of Debris	15,000	7,500	4,000
7) Interior Alterations or Refurbishment Works (subject to max. contract value of: Diamond HK$150,000 / Gold HK$100,000 / Silver HK$50,000 and contract period not exceeding two months)	According to the coverage of Home Contents Section
Section 2 - Personal Liability
Aggregate limit of Indemnity	10,000,000	8,000,000	5,000,000

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
		HK$
Home Contents Personal liability		1,000,000 10,000,000		500,000 8,000,000		300,000 5,000,000
Gross Floor Area (in sq. ft.)	Saleable Area (in sq.ft.)	Net Annual Premium for Online Application (15% premium discount and levy included)
Less than 500	Less than 400	~~890~~	757.39	~~630~~	536.13	~~525~~	446.73
501 - 800	401 - 600	~~1,100~~	936.1	~~790~~	672.29	~~580~~	493.58
801 - 1,100	601 - 850	~~1,430~~	1,216.93	~~1,000~~	851	~~735~~	625.44
1,101 - 1,400	851 - 1,100	~~1,790~~	1,523.29	~~1,310~~	1,114.81	N/A
1,401 - 2,000	1,101 - 1,600	~~2,340~~	1,991.34	~~1,785~~	1,518.99	N/A
2,001 - 2,500	1,601 - 2,000	~~2,940~~	2,501.94	N/A		N/A
The above deleted amounts are original annual premium ( levy not included).
* For gross floor area exceeds 2,500 sq. fts. or house/ semi-detached house/ village house, please call Customer Services at 2828 7886. ** For saleable area exceeds 2,000 sq. fts. or house/ semi-detached house/ village house, please call Customer Services at 2828 7886.