Home Plus Insurance

Tokio Marine's Home Plus Insurance is specially designed to protect your home with a comprehensive coverage at a competitive cost plus various extra benefits and 24-hour hotline assistance services.

Coverage

Section 1 - Home Contents (Basic Section)			Maximum Limit (HK$)
1.	"All Risks" cover including loss or damage caused by fire, burglary, typhoon, earthquake, flood, bursting of water pipes and many other mishaps		Ranging from $300,000 to $1,500,000
	i.	Valuables	$50,000 ($5,000 per item)
	ii.	Other items	$75,000 per item
	Excess (each and every loss at the time of loss)
	i.	For Building that is less than 31 years old (Non Low-Rise House) the first $2,000 for Water Damage the first $500 for other loss
	ii.	For Building that is aged from 31 to 40 years old or Low-Rise House the first $3,000 or 5% of adjusted loss, whichever is higher, for Water Damage the first $1,000 for other loss
Free Additional Benefits
1.	Alternative accommodation		$50,000 per year ($1,500 per day)
2.	Personal accident benefits		$200,000 per year ($50,000 per person)
3.	Burglary injury cash allowance		$20,000 per year ($5,000 per person)
4.	Money and unauthorized use of credit cards		$3,000 per year
5.	Replacement of locks and keys		$2,500 per year
6.	Removal of debris		$25,000 per year
7.	Temporary removal		$50,000 per year
8.	Household removal		$50,000 per year
9.	Frozen food and drinks		$5,000 per year
10.	Domestic helper's property		$1,500 per year
11.	Personal effects in Hong Kong		$5,000 per year
12.	Interior Alternation or Repair		According to Maximum Limit of Section 1 - Home Contents
13.	24-Hour Home Assistance Hotline Service You can access to our 24-hour hotline at (Hong Kong) 2862-0117 to obtain Home Assistance Referral Service. (Note: This service is provided by Inter Partner Assistance. You may need to bear the cost of services, if any, being incurred.)
Section 2 - Worldwide Personal Liability (FREE with Basic Section)			Maximum Limit (HK$)
Home Insurance provides protection for you and your family members against legal liability towards third parties for their bodily injury or property damage caused by you or your family members' negligence.			$7,500,000 per event and unlimited for any one period of insurance
We will also cover
your resident domestic helper(s) in the course of employment with you at your home Property Owner's Liability in Common Area Tenant's Liability Liability for Interior Works carried out by Independent Contractor, subject to the contract value less than $30,000 the contract period not exceeding 2 months the limit of indemnity during the period of insurance not exceeding $1,000,000
Excess (each and every loss at the time of loss)
i.	For Building that is less than 31 years old (Non Low-Rise House)
	the first $2,000 for Water Damage to Third Party Property the first $500 for other loss
ii.	For Building that is aged from 31 to 40 years old or Low-Rise House
	the first $3,000 or 5% of adjusted loss, whichever is higher, for Water Damage to Third Party Property the first $1,000 for other loss
Seepage of Water – Under Section 1 (Optional Cover)
Seepage of water due to tropical cyclone warning signal no.3 or above or amber or above rainstorm warning signal has been issued, subject to a maximum limit to home content of $150,000
Excess (each and every loss at the time of loss)
i.	For Building that is less than 31 years old		the first $3,000
ii.	For Building that is aged from 31 to 40 years old		the first $5,000

Major Exclusions

Loss of or damage due to war, terrorism or nuclear risks
Uninsurable risks such as wear and tear, scratching, rust, corrosion
Loss of or damage to contact lenses, portable phones and pagers
Theft in your home should any part be let
Loss of or damage to equipment used in connection with business or employment

Premium Table for Annual Cover

HOME CONTENT SUM INSURED AND PREMIUM TABLE (Annual Premium) (HK$)
Home Content Sum Insured	Non Low-Rise House	Low-Rise House #	Seepage of Water (Optional Cover)
$300,000	$680	$1,250	$200
$500,000	$950	$1,750	$200
$750,000	$1,250	$2,250	$200
$1,000,000	$1,500	$3,000	$200
$1,250,000	$1,750	N/A	$200
$1,500,000	$2,000	N/A	$200

# Low-Rise House – house / semi-detached house / village house of not more than 4 storeys other than roof floor

* Notice - Application is subject to underwriting if the building age over 40 years old

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.

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