Home Protection Insurance which is underwritten by MSIG Insurance (Hong Kong) Limited gives your home and its contents the possible protection for up to HK$500,000 per year.

Benefit Table

Benefits Maximum Benefit (HK$)

Basic Cover

  1. Home Contents Total Benefit

  • Damage to or loss of the following home contents against fire, typhoon, explosion, burglary, flood, burst pipes or other mishaps:
500,000 per year
  • Valuables (e.g. jewellery and watches)
15,000 per item, set
or collection up to 1/3
of 500,000 home
contents limit
  • Money, stamp and coin collections
5,000 per year
  • Other household items (e.g. furniture, fixtures and home appliances)
100,000 per item,
set or collection
  1. Damage to or loss of home contents during the course of household removal

100,000 per year
  1. Temporary rental expense as a result of home damaged and rendered uninhabitable due to insured damage

50,000 per year
  1. Death resulting from an injury caused by fire or burglars at home within 3 months

50,000 per year
  1. Harm caused by burglars or robbers at home, against which a registered medical practitioner has granted a sick leave of not less than 4 consecutive days.

5,000 per person
  1. Damage to or loss of personal effects kept at the office

2,500 per year
  1. Loss of money or personal belongings on an overseas business trip

2,500 per event
  1. Worldwide personal liability

5,000,000 per event

Optional Worldwide All-Risks Insurance

All-Risk Insurance Total Benefits

  • Cover for personal valuables and effects against any accidental loss or damage happening anywhere in the world, which includes:
15,000 per year
  • Personal money
2,500 per event
  • Unauthorized use of credit card
10,000 per event
  • Other items (e.g. jewellery and photographic equipment)
5,000 per item
Remarks:
  1. The excess is HK$1,000 for each claim arising from household removal and HK$10,000 or 10% of the loss (whichever is greater) for each claim arising from landslip or subsidence. The excess for all other claims is HK$250.
  2. Burglary / robbery harm allowance covers Proposer and his/her spouse only.
  3. The premises to be insured must be the Proposer and their family's principal place of residence located in the HKSAR.
  4. The premises or buildings to be insured must be less than 30 years of age and not a village house or similar.
  5. The premises or buildings to be insured must be for residential use. No industrial or commercial buildings will be covered.
  6. Proposers and their families must comply with all statutory obligations and take reasonable steps to prevent loss or damage; to maintain any premises to be insured in good condition and sound repair, and to fulfill the requirement of the deed of mutual covenant, any other relevant regulations or statutory instruments relating to the premises or buildings to be insured.
  7. Walls, floorings, doors with frames, windows with frames and the ceiling and their improvements and betterments made by Proposers within the premises to be insured are covered under the Building Section of Fire Insurance and are not protected under this Plan.

Premium

Gross Floor Area
(sq. ft.)
Monthly Premium (HK$)
Basic Cover Basic Cover +
Worldwide All
Risk Insurance
Up to 650 58 74
651 - 850 88 104
851 - 1,000 118 134
1,001 - 1,500 148 164
Over 1,500 178 194

Major Exclusions

  • Radioactive contamination, chemical, biological, biochemical and electromagnetic weapons
  • War and terrorism risks
  • Political risks
  • Mutiny, martial law
  • Consequential loss or damage of any kind unless specifically provided for otherwise in the Policy:
    • DAMAGE: to any computer or other equipment or component or system or items which processes, stores, transmits, or retrieves data or any part thereof including loss or corruption of data whether tangible or intangible (including but not limited to any information or programs or software) and whether the property of the insured or not, where such DAMAGE is caused by virus (programming or operating error) or similar mechanism or hacking.
    • CONSEQUENTIAL LOSS: directly or indirectly caused by or arising from virus (programming or operator error) or similar mechanism or hacking.
Important Notes:

Home Protection Insurance is underwritten by MSIG Insurance (Hong Kong Limited) ("MSIG") which is a general insurer authorized and regulated by the Commissioner of Insurance of the HKSAR. Standard Chartered Bank (Hong Kong) Limited ("SCBHK") is an insurance agent appointed by MSIG. To the extent permissible by law, SCBHK shall not be liable to any person for the use of any of the above information.

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.

Home Protection Insurance, offered by MSIG, is only available for subscription by residents of the HKSAR, subject to the relevant terms and conditions.

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To speak directly with MSIG, please call 3122 6722.
Hotline service hours: Monday to Friday 9:00 am to 5:30 pm

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