Claim case sharing

Every year during the cyclone season, Hong Kong encounters its fair share of tropical storms and this year's was even worse.

In one potentially harmful case, a window was blown out from its frame and sent crashing into the window of the opposite flat before smashing to the ground below. Fortunately, no one was injured in this accident.

In this case, should Home or Fire Insurance cover the insured for the damaged window frame?

Fire insurance typically not only covers the building's structure and the property’s original fixtures such as walls, windows, and floors, but also losses caused by fires. Some policies can be extended to cover other incidents such as water damage or storms. It is important for policyholders to read their policies or consult with their insurance provider to confirm their coverage.

On the other hand, if a window is damaged due to an accident, policyholders can make a claim through the "Home Insurance" for home contents insurance, and the insurance company will provide compensation based on the individual policy terms.

In summary, home insurance and fire insurance complement each other. Policyholders can consider purchasing home contents insurance and adding structural protection to receive comprehensive coverage from the same insurance company.

If an unfortunate incident occurs where someone is injured by a falling object in a home, can home insurance cover the policyholder's legal liability for compensation?

Home insurance not only covers losses to the home and personal belongings, but also covers the policyholder or their family members' legal liability for accidents that cause third-party injuries or property damage. This includes related legal fees, and the amount of compensation depends on the maximum compensation amount of the insurance plan. When purchasing home insurance, policyholders should pay attention to whether the plan includes "personal legal liability" coverage.

Question:
If a passerby is injured by a falling household item, will Home Insurance cover the policyholder’s personal liability?

Answer:
Home Insurance will not only protect you against the loss of home contents, it will also protect you and your family members against any claims/legal liability in the event of your negligence causing third-party injury or property damage. Such protection includes any lawsuit-related expenses, but the amount of compensation will depend on the maximum benefits payable under the policy. When purchasing Home Insurance, it is also recommended that policyholders determine if "personal liability" is included in the plan.

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