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Overview

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.

Latest Promotion

Promotion – Get a free Bakery Voucher

For any new policy of Premium Home Plus - Enhanced Version issued online during the period from October 5, 2016 to December 31, 2016, the customer will receive a free HK$50 Arome Bakery voucher.  Arome Bakery voucher will be mailed out 45 days after the policy issued. If you require any further information, please contact our Customer Service Hotline at 3666-7033 for assistance. Buy now!

Coverage Highlights

  • Provides comprehensive cover for your household contents, residential units and legal liability
  • "All Risks" protection for your Household Contents, Personal Effects & Valuable and Building Betterment against accidental loss or damage up to HK$1,000,000
  • Protection for your belongings which go with you and your family members anywhere in the world
  • Free extra benefits, including Accidental Damage of Mobile Phone, Loss of or Damage to Notebook/Tablet Computer, Personal Document & Wine, Unauthorized Use of Credit Card/Cash Card, Replacement of Locks and Keys, Personal Accident and etc.
  • Cover household contents, personal effects and valuables against the loss caused by seepage of rainwater
  • Worldwide protection for you and your family against third party liability claims for bodily injury or property damage up to HK$5,000,000
  • Protection for your residential building against fire and accidental loss or damage
  • We offer 2 choices of plan for Household Insurance, meeting the needs of different family.
    1.
    The “Standard Plan” – suitable for home owners who would like to have a comprehensive protection on their household contents against accidental loss or damage. The maximum sum insured of household contents is HK$1,000,000.
    2.
    The “Light Plan” – suitable for small family or first time home buyer who would like the basic coverage on their household contents. The maximum sum insured of household contents is HK$500,000.

*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.

FAQs

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 cs.hk@aig.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 cs.hk@aig.com for consideration.

Yes, coverage may be offered, however this is likely to be subject to a higher premium. Please submit the case to AIG Insurance Hong Kong Limited at cs.hk@aig.com 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:

  • HK$250 for each and every claim (exclude rainwater seepage)
  • HK$3,000 or HK$10% adjusted loss for each and every claim

For Section 2 covering Building, the excess is:

  • 10% of adjusted loss subject to minimum of HK$250 for each and every non-water damage claim
  • 10% of adjusted loss subject to minimum of HK$1,000 for each and every water damage claim 

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