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Protection for your property assets and future financial arrangements

Couple holding cups

Protection for your property assets and future financial arrangements

Landlord Liability Insurance

From now until 2 Jul 2024, enjoy 20% discount upon successful application for MSIG Landlord Liability Insurance.

Benefits Table

Maximum Benefits Payable (HK$)
Landlord Liability 7,500,000

per accident

Loss of Rental Income 100,000 per year or 3-month rent income, whichever is the lower
  1. The premises or building to be insured must be located in Hong Kong.
  2. The premises or building to be insured must be less than 46 years of age.
  3. The premises or building to be insured must be for residential use. No industrial or commercial buildings will be covered.
  4. The premises or building to be insured must not be a sub-divided home or sub-let premises.
  5. The premises to be insured is not a village house / bungalow /duplex house / townhouse / detached house or the likes.
  6. The premises to be insured must not be situated on ground floor or on any kind of roof/rooftop.
  7. The premises to be insured must be built of and roofed with bricks, stones or concrete, and must have no illegal structure or outbuilding items or any household improvements made of glass, metal, plastic or the like (Not applicable to non-structural indoor items).
  8. An enforceable Tenancy Agreement shall be effective on/before the policy effective date and the originally stamped Tenancy Agreement must be presented upon request.
  9. You and your family must comply with all statutory obligations and take reasonable steps to prevent loss or damage; and to maintain any insured property in good condition and sound repair; if the premises to be insured is constructed with an open kitchen, the relevant fire safety rules and regulations must be complied with; and you and your family must fulfill the requirement of the deed of mutual covenant, any other relevant regulations or statutory instruments relating to the building and your home; Contravention of any regulatory requirements or rules may invalidate the coverage provided by this policy.
  10. HK$1,500 excess is applied to each and every claim arising from water damage.
Major exclusions:
  1. Sub-divided home or sub-let premises.
  2. Insured premises that are used for business purposes or as a holiday home.
  3. Unoccupied premises for more than 30 consecutive days.
  4. Illegal structure exists in the insured premises.
Important notes:

The Insurance Authority (“IA”) has announced the collection of levy on insurance premium under the ‘Insurance Ordinance’ with effect from 1 January 2018. As a result, all premium amounts shown in this webpage are subject to levy. For further information, please visit

Disclaimer and Important Notes

The above plan is underwritten by MSIG Insurance (Hong Kong) Limited (“MSIG”) which is a general insurer authorized and regulated by the Insurance Authority of HKSAR. Standard Chartered Bank (Hong Kong) Limited (“SCBHK”) is an insurance agent appointed by MSIG (Licensed Insurance Agency FA1239). To the extent permissible by law, Standard Chartered Bank (Hong Kong) Limited shall not be liable to any person for the use of any of the above information.

The above plan, offered by MSIG, is only available for subscription by residents of the HKSAR, subject to the relevant Terms and Conditions.

The above information is intended as a general summary. It is for reference only and is not an offer for subscription of any insurance product. The policy may contain Terms and Conditions which are not detailed in the above. If there is any discrepancy between the information contained in the above and the Terms of the policy, the Terms of the policy shall prevail. For exact Terms and Conditions and details of the exclusions, please refer to the relevant policy or contact MSIG at (852) 3122 6722 (Service Hours: Mon – Fri 9:00am – 5:30pm, except public holidays).

The material and information contained on this Web Site is provided for general information only and should not be used as a basis for making business decisions. Any advice or information received via this Web Site should not be relied upon without consulting primary or more accurate or more up-to-date sources of information or specific professional advice. You are recommended to obtain such professional advice where appropriate.

In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Standard Chartered Bank (Hong Kong) Limited and the customer out of the selling process or processing of the related transaction, Standard Chartered Bank (Hong Kong) Limited will enter into a Financial Dispute Resolution Scheme process with the customer; however, any dispute over the contractual terms of the product should be resolved directly between MSIG and the customer.