*Terms & Conditions
Extra cover for repair cost of mobile phones
Up to HK$5,000,000 coverage for third-party liability
Up to HK$1 million coverage for household contents
Replacements of locks and keys up to HK$2,000
Plan Benefits
*The above information is for reference only. Please refer to the policy documents for detailed terms and conditions and exclusions. For full benefit table and premium, please refer to our Product Brochure or click Buy Now.
| Coverage | Light Plan | Standard Plan |
|---|---|---|
| Maximum Limit Per Year (HK$) | ||
Household Contents "All Risks" |
$500,000 | $1,000,000 |
(a) Household Content |
$50,000 / item | $100,000 / item |
(b) Personal Effects & Valuables (Inside Your Home) |
$100,000 ($5,000 / item) | $100,000 ($10,000 / item) |
(b) Personal Effects & Valuables (Outside Your Home) |
$10,000 ($2,500 / item) | $20,000 ($5,000 / item) |
(c) Building Betterment |
$100,000 | $150,000 |
Legal Liability |
$5,000,000 | $5,000,000 |
Unauthorized Use of Credit Card / Cash Card |
$3,000 | $3,000 |
Loss of Personal Document |
$1,500 | $2,000 |
Loss of Cash or Travellers’ Cheque |
$1,000 | $2,000 |
Accidental Damage to Mobile Phone |
$1,500 (up to 2 phones) | $2,000 (up to 2 phones) |
Loss or Accidental Damage to Notebook / Tablet Computer (INSIDE your home) |
$5,000 | $10,000 |
Loss or Accidental Damage to Notebook / Tablet Computer (OUTSIDE your home) |
$5,000 | $5,000 |
Loss or Accidental Damage to Wine |
$1,000 | $1,000 |
Personal Accident |
$50,000 | $50,000 |
Removal of Household Contents by Professional Remover |
$30,000 ($3,000 / item) | $50,000 ($3,000 / item) |
Temporary Storage |
$30,000 ($3,000 / item) | $50,000 ($3,000 / item) |
Alternative Accommodation |
$20,000 ($1,000 / day) | $30,000 ($1,000 / day) |
Removal of Debris |
$5,000 | $50,000 |
Frozen Foods |
$2,000 | $3,000 |
Replacement of Locks and Keys |
$2,000 | $2,000 |
Accidental Breakage of Window Glass |
$3,000 | $5,000 |
Rainwater Seepage |
(Please refer to the limits in Section Household Contents “All Risks”) | |
*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.
#Please contact customer service team for quotation if your building age is over 45 years old.
1
1. Provide information
Enter information about the property.
2
2. Select the preferred plan
Choose between The Standard Plan and The Light Plan, plus any additional supplementary coverage.
3
3. Fill out personal details
Enter personal and contact information.
4
4. Payment and Confirmation
Pay online, and the system will successfully issue the policy.
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 10% adjusted loss for each and every claim for Rainwater Seepage
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
