Landlord Protector (Macau)
Comprehensive coverage for landlords against loss of rent and property damage, and includes complimentary liability protection
Plan Highlights
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Loss of Rent CoverUp to HK$80,000 or 3-month rental income |
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Property Owner’s Liability ProtectionUp to HK$8,000,000 |
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Rental Property ProtectionIncluding fixtures and fittings, furniture and household appliances up to HK$400,000 |
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Household Improvements CoverCover improvements and betterments on walls, windows, ceiling, floors and doors up to HK$50,000 |
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Alterations and Repairs ProtectionCover accidental loss of or damage to contents while the insured premises are under alteration or repair |
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Optional Building CoverCover against any unforeseen sudden accidental physical loss of or damage to your building |
Plan details
Benefits
| Benefits at a Glance | Maximum Benefits Payable Per Year (HK$) | ||
|---|---|---|---|
Gross Floor Area (sq ft) |
800 or below | 801-1,000 | 1,001-1,200 |
Saleable Floor Area (sq ft) |
640 or below | 641 - 800 | 801 - 960 |
| Basic Cover |
$200,000 |
$300,000 |
$400,000 |
ContentAccidental loss of or damage to your contents including furniture, fixtures and fittings and household appliances |
$200,000 $15,000 per item, set or collection |
$300,000 $15,000 per item, set or collection |
$400,000 $15,000 per item, set or collection |
Household ImprovementsImprovements and betterments on walls, windows, ceilings, floors and doors |
$50,000 | $50,000 | $50,000 |
Extra Benefits |
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Damaged LocksReplacement and installation costs if windows, gate or external door locks and keys are damaged due to burglary or attempted theft |
$5,000 | $5,000 | $5,000 |
Removal of DebrisAfter the damage or destruction to your home |
$10,000 | $10,000 | $10,000 |
Temporary Removal of ContentsLoss of or damage to contents whilst temporarily removed for cleaning, renovation or repair within Macau |
$50,000 | $50,000 | $50,000 |
Landslip and Subsidence ExtensionLoss of or damage to contents directly caused by landslip or subsidence |
Covered | Covered | Covered |
Alterations and RepairsAccidental loss of or damage to contents while the insured premises are under alteration or repair |
Covered (contract period not exceeding two months and within maximum contract value of $100,000) |
Covered (contract period not exceeding two months and within maximum contract value of $100,000) |
Covered (contract period not exceeding two months and within maximum contract value of $100,000) |
Loss of Rent (Basic Cover) |
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Loss of RentCovers the actual loss of rent incurred after deducting the security deposit paid to you as stated in the Tenancy Agreement |
$80,000 or total rent of maximum three months, whichever is the lower | $80,000 or total rent of maximum three months, whichever is the lower | $80,000 or total rent of maximum three months, whichever is the lower |
Covers the Loss of Rent in respect of the following situations:If your premises are uninhabitable due to accidental loss of or damage to contents as insured |
Covered | Covered |
Covered |
| If access to your premises is prevented by damage to other premises in the vicinity | Covered | Covered | Covered |
| If your tenant dies as a result of murder or suicide and no one is paying the rent | Covered | Covered | Covered |
| If your tenant fails to pay the rent and you have i) taken legal action; and ii) obtained court judgment; and iii) could not receive the payment within one month after the court ruling |
$20,000 | $20,000 | $20,000 |
Property Owner’s Liability (Free)Any claim against you as the owner of the insured premises in the event of accident causing third party's bodily injury or property damage |
$5,000,000 per occurrence | $6,000,000 per occurrence | $8,000,000 per occurrence |
| Your legal liability as the owner of the insured premises whilst alteration or repair works are carried out at the insured premises | Covered (contract period not exceeding two months and within maximum contract value of $100,000) |
Covered (contract period not exceeding two months and within maximum contract value of $100,000) |
Covered (contract period not exceeding two months and within maximum contract value of $100,000) |
Building¹ (Optional) |
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| Accidental loss of or damage to the structural part of your premises | Sum insured² | Sum insured² | Sum insured² |
| Landslip and subsidence extension – loss of or damage to the structural part of your premises directly caused by landslip or subsidence | Covered | Covered | Covered |
Important Notes:
- The sum insured for the Building Cover should represent the full cost of rebuilding the insured address (including the costs of fixtures and fittings, renovation, debris removal, professional fees and compliance costs).
- The premises or building to be insured must be less than 40 years of age.
- The premises or building to be insured must be for residential use. No industrial or commercial buildings will be covered.
- An enforceable Tenancy Agreement shall be effective on/before the Policy Commencement Date and agree to present the Tenancy Agreement upon request.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
Premium
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Gross Floor Area (sq ft) Saleable Floor Area (sq ft) |
Annual Premium (HK$) | |
|---|---|---|
Basic Cover |
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800 or below 640 or below |
$798 | |
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801 – 1,000 641 - 800 |
$1,088 | |
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1,001 – 1,200 801 - 960 |
$1,388 | |
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Over 1,200 Over 960 |
Special quotation | |
| Optional Cover | Annual Premium | |
|---|---|---|
|
Building |
Sum insured x 0.09% |
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Exclusions
For All Sections |
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Excess
| Household Contents | Excess Amount (HK$) |
|---|---|
| General item | $500 |
| Landslip and subsidence | $10,000 or 10% of adjusted loss, whichever is greater |
| Water damage | $1,000 or 5% of adjusted loss, whichever is the greater |
| Personal Liability | Excess Amount (HK$) |
| Water damage | $3,000 or 10% of adjusted loss, whichever is greater |