I replaced the main door when I moved into the apartment I rent, but it was recently accidentally damaged. Does Tenant Protector cover the loss?
As long as the cause of damage to the main door was not excluded under the Contents Section and you can present the receipt to prove that it was replaced by you, it will be covered as a Household Improvement under Tenant Protector.
A burglar broke into my rented apartment. As a result, my door lock was damaged and my money was stolen. Can Tenant Protector cover my loss?
Yes. You will be reimbursed for the cost of the door lock replacement, up to HK$5,000. You can also be compensated for loss of money up to HK$1,000.
The window of my rented apartment was broken in a burglary. Can I claim for the cost of replacement from Tenant Protector?
No. Tenant Protector will only cover the replacement cost of window locks up to HK$5,000. The cost of replacement of the window glass will not be covered.
A burglar broke into my rented apartment. My money was stolen and my domestic helper’s gold ring was lost. Does Tenant Protector cover these losses?
Tenant Protector will cover your loss of money up to HK$1,000. However, your domestic helper, who is not considered as a member of your family, is not covered.
My rented apartment was damaged by fire because I forgot to turn off the stove. During the weeks in which my rented apartment was being repaired, I still needed to pay rent even though my rented apartment had become uninhabitable. At the same time, I needed to pay additional rent to stay in a serviced apartment. Would I be covered under Tenant Protector?
Tenant Protector covers either the money spent on the temporary accommodation (i.e. the serviced apartment in this case) or the rent which continues to be payable to your landlord. Because your rented apartment was accidentally damaged, you are covered up to HK$1,500 per day and HK$50,000 in aggregate.
The water pipe in my rented apartment burst and damaged my limited edition handbag, shoes and watch. Can I make a claim under Tenant Protector?
Your limited edition handbag and shoes are considered as personal effects while your watch is considered as a valuable in the policy. All these items are covered under Tenant Protector. You will be able to receive compensation of up to HK$5,000 per item or per set of items for your handbag and shoes and receive compensation of up to HK$15,000 for your watch.
If the total value of my property and personal effects is higher than the total coverage limit of household contents and personal effects, can I still take out Tenant Protector?
You are advised to consult your insurance advisor if your property and personal effects have exceeded the household contents cover limit.
My domestic helper accidentally broke a HK$3,000 vase. Does Tenant Protector cover this?
Yes. You will be compensated for the vase as long as it was broken accidentally.
I used to place my bike just outside my rented apartment. Am I covered if the bike is stolen or damaged accidentally?
Because your bike is considered as sports equipment, Tenant Protector will cover your loss as long as your bike is securely locked outside your apartment as required. You will be covered up to HK$2,500.
I used to place an umbrella rack outside my rented apartment which is locked right outside the main door. Am I covered if the rack is damaged accidentally?
No. An umbrella rack placed outside your apartment is not covered, even if it is securely locked right outside your home, as items placed in an open area are not covered under the Contents Section of Tenant Protector.
A robber stole my bag when I was on my way home. All my belongings including my smart phone and tablet were lost. Am I covered under Tenant Protector?
No. Tenant Protector does not cover items or personal belongings which you wear frequently and are carried away from the insured premises.
I hired a moving company when I moved from my current rented apartment to my newly rented apartment. Unfortunately, my glass table was broken accidentally during removal. Can I claim for the loss under Tenant Protector?
Yes. You can claim for the loss of your glass table under Tenant Protector up to HK$10,000, as long as your table is adequately packed and moved by professional movers.
If I break my key when opening my main door, will Tenant Protector cover the cost of replacing the door lock and key?
No. The cost of replacing the door lock and key is not covered as Tenant Protector will only cover damage to door locks and keys as a result of burglary or attempted theft.
Will I have any cover from Tenant Protector if my landlord goes bankrupt and does not return my security deposit?
Tenant Protector covers your irrecoverable security deposit if the Court makes a bankruptcy order against your landlord. You will receive compensation of up to 50% of your security deposit, or HK$10,000 whichever is lower.
What should I do if my landlord goes bankrupt and I need to claim for the loss of my security deposit?
You should submit the claim form and report the claim to us together with the landlord’s bankruptcy order, your Tenancy Agreement and rental payment receipt immediately after you find out that your landlord has gone bankrupt. Sometimes, verification with your landlord about your outstanding rental payment may also be required. In general, it takes at least 3-6 months for the court to confirm the payback arrangement to debtors. You will receive compensation of up to 50% of your irrecoverable deposit or HK$10,000, whichever is lower.
