Liability insurance is included in AIG’s home insurance - Premium Home Plus Enhanced Version, which covers accidental destruction or loss of your family’s personal belongings (including jewelry, watches, fur, portable video equipment, photographic equipment, works of art, antiques, etc) from your home or anywhere around the world*.
Our public liability and personal liability coverage* includes interior building improvement of your home including renovation and refurbishment of fixtures, fittings and flooring. Liability insurance offers protection for buildings up to 40 years old from rainwater seepage and accidental breakage of window glass, as well as optional balcony structure protection. We also offer a utility fee during unemployment for up to 3 months and free overseas personal valuable property protection with legal liability and low payment terms.
*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.
|Coverage||Light Plan||Standard Plan|
(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)|
9. Removal of Household Contents by Professional Remover
|$30,000 ($3,000 / item)||$50,000 ($3,000 / item)|
In 4 easy steps, get immediate price quotes, compare and purchase AIG liability insurance (Premium Home Plus Enhanced Version) in just minutes.
1. Provide information
Enter information about the property.
2. Select the preferred plan
Choose between The Standard Plan and The Light Plan, plus any additional supplementary coverage.
3. Fill out personal details
Enter personal and contact information.
Payment and Confirmation
Pay online, and the system will successfully issue the policy.
In addition to excellent claim services, AIG offers free additional coverage that many other insurers can’t match, including:
Unexpected damage of glass windows up to $5,000; Replacement of door, lock and key up to $2,000 ; Unopened alcoholic beverages protection due to accidents including theft up to $1,000
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 firstname.lastname@example.org 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, 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: