iHome Insurance
Protect your home and the belongings you love with comprehensive home insurance
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Plan Highlights
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All Risks Home Contents ProtectionUp to HK$100,000 for each item, set or collection with a maximum benefit of HK$1,000,000 per year against all risks |
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Valuable Property at HomeUp to HK$15,000 per item, set or collection with an aggregate limit of 1/3 of the household contents sum insured per year |
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Personal Liability ProtectionProtect you and your family against any legal liability to a third party injury or property damage of up to HK$8,000,000 |
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Household Improvement CoverAccidental loss of or damage to household improvement up to HK$100,000 |
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Protection to Your Mobile DevicesCover accidental damge to mobile phone/tablet or laptop computer up to HK$2,000 |
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Breakage of Window Glass During TyphoonCover loss or damage from accidental breakage of window glass at your home casued by typhoon up to HK$10,000 |
Plan details
Basic Covers
| Benefits at a Glance | Maximum Benefits Payable Per Year (HK$) | |
|---|---|---|
| Plan A | Plan B | |
Household ContentsAny unforeseen sudden accidental physical loss or damage such as by fire, typhoon, gas explosion, flooding, landslip and subsidence or theft |
$1,000,000 |
$750,000 |
ValuablesIncludes: jewellery, items of gold, silver or other precious metals, items of crystal and precious stones, watches, photographic equipment, binoculars, works of art, Chinaware, curios, furs, musical instruments (excluding pianos) |
1/3 of the section limit chosen |
1/3 of the section limit chosen |
MoneyIncludes: cash, cheques, postal orders, bankers drafts, travel tickets, saving certificates, current postage stamps, collection of stamps, coins or medals, gift tokens, all held for social or domestic purposes |
$5,000 |
$5,000 |
Extra Benefits
| Content | Plan A | Plan B |
|---|---|---|
Household RemovalFor loss of or damage to household contents during the course of removal by a professional remover |
$100,000 |
$100,000 |
Alternative Accommodation/Loss of RentShould your home become uninhabitable due to insured damages |
$50,000 |
$50,000 |
Temporary Removal of Household ContentsTemporary removal of household contents for repairing or cleaning |
$50,000 |
$50,000 |
Fatal AccidentShould you or your spouse pass away within 3 months from injury caused by fire or burglars in your home |
$50,000 |
$50,000 |
Burglary Harm Allowance#If you or your spouse sustains injury caused by burglars or robbers in your home with 4 or more consecutive days of sick leave granted by a doctor |
$10,000 |
$10,000 |
Loss of Personal Effects in OfficePersonal effects kept in your office |
$5,000 ($2,500 per occurrence) |
$5,000 ($2,500 per occurrence) |
Loss of Personal Effects/Money on Business TripsLoss or theft of money or personal effects whilst you are away from Hong Kong on business trips |
$2,500 |
$2,500 |
Domestic Servant’s PropertyAccidental loss of or damage to personal belongings (excluding money) of your domestic servant normally residing with you whilst such properties are contained in your home |
$5,000 |
$5,000 |
General Holidays IncrementFor loss of money due to burglary during public holidays (except Sundays) |
$2,000 per incident |
$2,000 per incident |
Damaged LocksFor replacement cost due to burglary |
$2,500 |
$2,500 |
Frozen FoodIf food in freezer rots due to freezer failure |
$5,000 |
$5,000 |
Tenant’s LiabilityFor loss of or damage to landlord's property |
10% of the section limit |
10% of the section limit |
Removal of damaged household contents |
$10,000 | $10,000 |
Alterations and repairsLoss of or damage to contents while alteration or repair works are carried out at your home (contract period not exceeding two months) |
Covered (Maximum contact value of $150,000) |
Covered (Maximum contact value of $150,000) |
Breakage of window glass during typhoon |
$10,000 | $10,000 |
Landslip & subsidence extensionIf loss or damage is caused to your home directly by landslip or subsidence |
Covered | Covered |
Accidental damage to mobile phone/tablet or laptop computer(this benefit is not applicable if you or your family members are below 18 years of age at the time of the damage) |
$2,000 (one device in aggregate) |
$2,000 (one device in aggregate) |
Online purchased goods protectionFor non-delivery or accidental damage upon delivery of goods (the value of purchased items must be at least HK$500 per order) |
$10,000 (2 occurrences in aggregate and $1,500 per item) |
$10,000 (2 occurrences in aggregate and $1,500 per item) |
Psychiatric services#If you or your family members diagnosed to be suffering from post-traumatic stress disorder by a physician as a direct result of kidnapping, abduction, home invasion or mugging |
$10,000 | $10,000 |
Personal Liability (Free)Any claim against you or your family members in the event of your negligence causing third party injury or property damage It extends to contingent contractor’s liability for maintenance and home cleaning services with a contract sum of not more than HK$100,000 |
$5,000,000 |
$5,000,000 |
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Owner’s liability in common area |
$1,000,000 |
$1,000,000 |
24-hour Home Emergency Assistance (Free)Offers immediate assistance on referral services if you encounter any problems with your home |
Referral service |
Referral service |
#Either Burglary/robbery harm allowance or Psychiatric services is payable
Building (Optional)
| Content | Plan A | Plan B |
|---|---|---|
BuildingFor the structural part of your home including flooring, walls, ceiling, windows and doors and their subsequent household improvement |
Sum insured |
Sum insured |
Alternative AccommodationShould your home become uninhabitable due to insured damages |
$50,000 |
$50,000 |
Removal of DebrisAfter the damage or destruction to your building |
$10,000 |
$10,000 |
Important Notes:
- The premises or building to be insured must be less than 40 years of age.
- The premises or building to be insured must be for residential use. No industrial or commercial buildings will be covered.
- The premises to be insured must be your family’s and your principal place of residence located in Hong Kong SAR and is not a village house or the likes.
- You and your family must comply with all statutory obligations and take reasonable steps to prevent loss or damage; to maintain any insured property in good condition and sound repair; and to fulfill the requirement of the deed of mutual covenant, any other relevant regulations or statutory instruments relating to the building and your home.
- Walls, flooring, doors with frames, windows with frames and the ceiling and their improvements and betterments made by you within the insured premises are covered under the Building Section.
- If you would like to insure any valuable property exceeding HK$15,000, you should provide relevant invoice to prove its value at the time of application.
- Alternative accommodation can only be claimed under either Contents section or Optional Building section.
- In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
Premium
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Gross Floor Area (sq ft) Saleable Floor Area (sq ft) |
Annual Premium (HK$) | |||
|---|---|---|---|---|
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Plan A |
Plan B |
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Up to 500 Up to 400 |
$1,030 |
$790 |
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501 – 700 401 - 560 |
$1,430 |
$1,090 |
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701 – 1,000 561 - 800 |
$1,820 |
$1,390 |
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1,001 – 1500 801 - 1,200 |
$2,430 |
$1,860 |
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1,001 – 1500 1,201 - 1,600 |
$2,860 |
$2,190 |
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Over 2,000 Over 1,600 |
Please call our Customer Services Hotline |
Please call our Customer Services Hotline |
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Worldwide Personal Liability |
Free |
Free |
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24-Hour Home Emergency |
Free |
Free |
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Building |
0.09% |
0.09% |
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Exclusions
For All Sections |
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For Household Contents Section |
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Excess
| Major Excess | Excess Amount (HK$) |
|---|---|
Household ContentsGeneral items |
$250 |
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Household removal |
$1,000 |
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Landslip and subsidence |
$10,000 or 10% of adjusted loss, whichever is greater |
Personal LiabilityWater damage |
$3,000 |
BuildingGeneral items |
$250 |
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Water damages |
$1,000 or 10% of adjusted loss, whichever is greater |
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Landslide and subsidence |
$10,000 or 10% of adjusted loss, whichever is greater |
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