You have worked hard for your home and your assets. Make sure you have the right protection for them with Premium Home Plus – Enhanced Version, our comprehensive household insurance solution. Premium Home Plus – Enhanced Version protects your residence against fire and other insured perils such as explosion, specific natural disasters, riot or strike, and malicious damage. It covers your household contents against accidental loss or damage. And it provides you with worldwide coverage against personal legal liability in respect of accidental bodily injury and property damage to a third party due to you or your family members’ negligence.
To learn more about our home contents coverage and product features, please watch the video taken with Mr. Lai Tat Ming (Technical Director of Hong Kong Survey Limited) below.
*The above information is for reference only. Please refer to the policy documents for detailed terms and conditions and exclusions. For full benefit table and premium, please refer to our Product Brochure or click Buy Now.
Your lender probably required you to purchase your fire insurance policy as a condition of your mortgage loan. The aim of this was primarily to protect you lender’s interest in the property as the mortgage provider, which focuses on the physical structure to the property. Hence, the coverage is for fire damage (being a common risk to the structure).
But what about damage caused by risks other than fire (such as typhoon and landslide)? What about your home contents: the everyday appliances, furnishings and valuables that your family possesses and which help you live your lives? And what about your potential legal liability to third parties, which can be catastrophic to your asset base? Premium Home Plus – Enhanced Version helps you address these risks. Remember, together your home and contents probably make up your most valuable asset. To give you peace of mind and financial security, make sure you have the right protection for them.
Yes, fire insurance can be offered on a standalone basis under Premium Home Plus – Enhanced Version. Please fill in Section 2 Building of the Proposal Form.
Yes, we cover physical loss or damage to your household contents, personal belongings and valuables caused by rainwater seepage due to tropical cyclone warning signal no. 3 or above or rainstorm warning signal “Amber” or above.
Yes, if you want to obtain insurance coverage on valuables exceeding the policy article limit, please list down items individually on the proposal form. If the space in the proposal form is inadequate, please list additional articles on a separate page. We will provide a quotation upon receiving your list of valuable items.
You do not need to cancel the existing policy. Simply send a request to AIG Insurance Hong Kong Limited at email@example.com to change the address and provide the new flat details. The premium may be subject to change, depending on the gross floor area, building age and type of your home.
Yes, village house or individual house may be offered insurance coverage, subject to additional premium. Please submit the case to AIG Insurance Hong Kong Limited at firstname.lastname@example.org for consideration.
Yes, we offer worldwide cover (including USA/Canada) against personal legal liability in respect of accidental bodily injury and property damage to a third party due to you or your family members’ negligence. However, this is subject to liability being established under Hong Kong laws and jurisdiction.
You may buy Section 1 to cover your household contents. Since you are not the legal owner of the insured property, you are not qualified to apply fire policy under Section 2 of Premium Home Plus – Enhanced Version.
Excess will be applied for different sections. For Section 1 covering household contents, the excess is:
For Section 2 covering Building, the excess is:
If your flat or premises residence is large and luxuriously furnished with a lot of valuable items, our company cordially recommends you a deluxe protection plan - Prestige Home Plus. Please contact your agent/broker or call our customer service hotline 3666-7033 for more details.