Tenant Protector is a first-of-its kind insurance plan exclusively designed for tenants’ homes in Macau. More than a traditional home insurance product, some of the coverage of Tenant Protector is unique and tailor-made to cater to most tenants’ needs in Macau. E.g. other than tenants’ property, it also covers landlords’ property in the rented apartment which is carelessly damaged by the tenant.

Unlike traditional home insurance products, which are best suited to owner-occupiers, Tenant Protector can cater to the special needs of tenants by easing their concerns about their liability in respect of accidentally damaging a landlords’ property, and providing protection for up to 50% or HK$10,000 of a security deposit if their landlord goes bankrupt. It also provides worldwide protection for tenants’ sports equipment such as golf clubs. Other major cover features that are available under a normal home insurance plan will also be suitably adjusted to accommodate tenants’ needs under Tenant Protector. These include tenants’ own Contents, Household Improvements, Personal Liability, etc.

Tenants are advised to take out Tenant Protector as soon as the Tenancy Agreement is signed and duly stamped.

Tenant Protector is a simple and direct insurance plan that is exclusively designed for most tenants in Macau. Its unique coverage is different from a traditional home insurance policy in many ways as shown in the table below.

No. Tenant Protector covers premises located in Macau only.

Yes. As long as your rented apartment is located in Macau with a signed and duly stamped Tenancy Agreement, you can take out Tenant Protector to protect your home and property.

Yes. A company can take out Tenant Protector for its expatriate employees as long as the company has signed and duly stamped a Tenancy Agreement with the landlord.

Yes. As long as the Tenant Protector policyholder (i.e. your mother in this case) lives with his/her immediate family members in the insured premises, those family members are covered.

Yes. Although your boyfriend is not defined as your family in the policy, you can take out Tenant Protector with your boyfriend as an insured person. He will then also be covered. 

Yes. The landlord’s property in the rented apartment for which the tenant is held responsible will be covered under Tenant’s Liability. It covers all causes of loss except those listed as exclusions in Tenant Protector.

Yes, you can transfer your Tenant Protector to your newly rented apartment. But you must inform us before doing so. You will also be entitled to the Household Removal and Temporary Storage cover which will cover any accidental loss of or damage to your Household Contents during their removal or re-location in temporary storage.

Tenant Protector covers apartments with a gross floor area of 1,200 square feet or less. You are also strongly advised to cross check if the Sum Insured of Contents is sufficient. Please contact your insurance advisor for a special quotation if the Sum Insured is insufficient.

No. Residential homes like subdivided flats will not be covered by Tenant Protector.

No. Only those who have signed and duly stamped the Tenancy Agreement for the insured premises will be covered by Tenant Protector.

Yes. You can cancel the policy if you change your mind as long as there have been no claims against your policy. We will refund the unused premium based on a short-term rate, subject to a minimum premium of HK$500.

Yes. This is because the home insurance you have taken out can only cover your leased apartment. You may need to take out Tenant Protector for your rented apartment as well in order to have comprehensive protection over the two apartments. You can also consider replacing your traditional home insurance for your leased apartment with Landlord Protector.

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.

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.

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.

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.

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.

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.

You are advised to consult your insurance advisor if your property and personal effects have exceeded the household contents cover limit.

Yes. You will be compensated for the vase as long as it was broken 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.

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.

No. Tenant Protector does not cover items or personal belongings which you wear frequently and are carried away from the insured premises.

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.

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.

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.

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.

If you are proved to be liable for your landlord’s property as stated in the Tenancy Agreement, then the damage to that property will be covered as long as the repair works last for less than 2 months and has a contract value of less than HK$100,000. You are advised to file the claim with us immediately without committing to any liability.

A tenant’s household contents and personal effects will be covered up to HK$500,000 in aggregate. But whether Tenant Protector will cover the landlord’s property and the apartment structures that are damaged depends on your liability as a tenant. If you are proved liable for the damage, Tenant Protector will cover your landlord’s damaged property and building structure up to HK$5,000,000 after applying an excess of HK$10,000.

If you are proved liable for the damage, Tenant Protector will cover all damaged items as listed above, up to HK$5,000,000. Water damage excess that is applicable in this case is HK$3,000 or 10% of the loss, whichever is the lower.

Yes, you will be covered as you are liable for the accidental damage of the TV. But an excess of HK$10,000 is applicable to Tenant’s Liability cover.

Yes. Tenant Protector covers damage to landlord’s property by your cats and/or dogs, less the first HK$10,000.

In a case where you are being sued by the passerby as a result of the accident, you are advised to report the claim to us and not to admit any liability. In a case where you are proved legally liable as the occupier of the rented apartment, Tenant Protector will cover your legal liability arising from the accident.

If you are being sued for the damages caused by this accident and you are proved legally liable as an occupier of the rented apartment, you are covered under Tenant Protector.

If you are held responsible for the door lock as required in the Tenancy Agreement, Tenant Protector can cover the accidental damage to the door lock, after the application of a Tenant’s Liability excess of HK$10,000.

Tenant Protector provides you with worldwide liability cover in a personal capacity for overseas visits of less than 60 days. However, if you are travelling overseas, we would advise you to take out travel insurance to enjoy better protection.

No. This incident will not be covered under Tenant Protector as you are not legally liable for the damage.

Tenant Protector is a first-of-its kind insurance plan exclusively designed for tenants’ homes in Hong Kong. More than a traditional home insurance product, some of the coverage of Tenant Protector is unique and tailor-made to cater to most tenants’ needs in Hong Kong. E.g. other than tenants’ property, it also covers landlords’ property in the rented apartment which is carelessly damaged by the tenant.

Unlike traditional home insurance products, which are best suited to owner-occupiers, Tenant Protector can cater to the special needs of tenants by easing their concerns about their liability in respect of accidentally damaging a landlords’ property, and providing protection for up to 50% or HK$10,000 of a security deposit if their landlord goes bankrupt. It also provides worldwide protection for tenants’ sports equipment such as golf clubs. Other major cover features that are available under a normal home insurance plan will also be suitably adjusted to accommodate tenants’ needs under Tenant Protector. These include tenants’ own Contents, Household Improvements, Personal Liability, etc.

Tenants are advised to take out Tenant Protector as soon as the Tenancy Agreement is signed and duly stamped.

Tenant Protector is a simple and direct insurance plan that is exclusively designed for most tenants in Hong Kong. Its unique coverage is different from a traditional home insurance policy in many ways as shown in the table below.

No. Tenant Protector covers premises located in Hong Kong only.

Yes. As long as your rented apartment is located in Hong Kong with a signed and duly stamped Tenancy Agreement, you can take out Tenant Protector to protect your home and property.

Yes. A company can take out Tenant Protector for its expatriate employees as long as the company has signed and duly stamped a Tenancy Agreement with the landlord.

Yes. As long as the Tenant Protector policyholder (i.e. your mother in this case) lives with his/her immediate family members in the insured premises, those family members are covered.

Yes. Although your boyfriend is not defined as your family in the policy, you can take out Tenant Protector with your boyfriend as an insured person. He will then also be covered.

Yes. The landlord’s property in the rented apartment for which the tenant is held responsible will be covered under Tenant’s Liability. It covers all causes of loss except those listed as exclusions in Tenant Protector.

Yes, you can transfer your Tenant Protector to your newly rented apartment. But you must inform us before doing so. You will also be entitled to the Household Removal and Temporary Storage cover which will cover any accidental loss of or damage to your Household Contents during their removal or re-location in temporary storage.

Tenant Protector covers apartments with a gross floor area of 1,200 square feet or less. You are also strongly advised to cross check if the Sum Insured of Contents is sufficient. Please contact your insurance advisor for a special quotation if the Sum Insured is insufficient.

No. Residential homes like subdivided flats will not be covered by Tenant Protector.

No. Only those who have signed and duly stamped the Tenancy Agreement for the insured premises will be covered by Tenant Protector.

Yes. You can cancel the policy if you change your mind as long as there have been no claims against your policy. We will refund the unused premium based on a short-term rate, subject to a minimum premium of HK$500.

Yes. This is because the home insurance you have taken out can only cover your leased apartment. You may need to take out Tenant Protector for your rented apartment as well in order to have comprehensive protection over the two apartments. You can also consider replacing your traditional home insurance for your leased apartment with Landlord Protector.

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.

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.

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.

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.

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.

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.

You are advised to consult your insurance advisor if your property and personal effects have exceeded the household contents cover limit.

Yes. You will be compensated for the vase as long as it was broken 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.

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.

No. Tenant Protector does not cover items or personal belongings which you wear frequently and are carried away from the insured premises.

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.

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.

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.

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.

If you are proved to be liable for your landlord’s property as stated in the Tenancy Agreement, then the damage to that property will be covered as long as the repair works last for less than 2 months and has a contract value of less than HK$100,000. You are advised to file the claim with us immediately without committing to any liability.

A tenant’s household contents and personal effects will be covered up to HK$500,000 in aggregate. But whether Tenant Protector will cover the landlord’s property and the apartment structures that are damaged depends on your liability as a tenant. If you are proved liable for the damage, Tenant Protector will cover your landlord’s damaged property and building structure up to HK$5,000,000 after applying an excess of HK$10,000.

If you are proved liable for the damage, Tenant Protector will cover all damaged items as listed above, up to HK$5,000,000. Water damage excess that is applicable in this case is HK$3,000 or 10% of the loss, whichever is the lower.

Yes, you will be covered as you are liable for the accidental damage of the TV. But an excess of HK$10,000 is applicable to Tenant’s Liability cover.

Yes. Tenant Protector covers damage to landlord’s property by your cats and/or dogs, less the first HK$10,000.

In a case where you are being sued by the passerby as a result of the accident, you are advised to report the claim to us and not to admit any liability. In a case where you are proved legally liable as the occupier of the rented apartment, Tenant Protector will cover your legal liability arising from the accident.

If you are being sued for the damages caused by this accident and you are proved legally liable as an occupier of the rented apartment, you are covered under Tenant Protector.

If you are held responsible for the door lock as required in the Tenancy Agreement, Tenant Protector can cover the accidental damage to the door lock, after the application of a Tenant’s Liability excess of HK$10,000.

Tenant Protector provides you with worldwide liability cover in a personal capacity for overseas visits of less than 60 days. However, if you are travelling overseas, we would advise you to take out travel insurance to enjoy better protection.

No. This incident will not be covered under Tenant Protector as you are not legally liable for the damage.

Landlord Protector is an insurance plan that is designed specifically for landlords who wish to let out an apartment that they own. It is more than a traditional home policy because it provides specific protection for the landlord’s interests, e.g. it covers the landlords’ losses as a result of rent for designated reasons such as the tenant failing to pay the rent. It also protects the landlord’s property against accidental loss or damage by the tenant. The product has been created specifically to address the needs of a landlord, and, as a result, the coverage and limits are also conceived to allow a competitive premium that provides straightforward protection to suit the needs of the vast majority of landlords in Macau.

Landlord Protector is specially designed for landlords in Macau. It is specifically created to address landlords’ concerns about their leased property assets and the resultant rental income which may be affected by loss of rent or damage to their property, furnishings, fixtures and fittings or any other aspects of their property. Also, the cover limits are designed to cater to the specific needs of landlords, e.g. landlords often only provide basic furniture for their tenants and as a result the cover limit of home contents may not need to be as high as that for an owner-occupier, making the product more competitive in terms of its premium.

Customers are advised to take out Landlord Protector as soon as the Tenancy Agreement is signed and duly stamped.

Landlord Protector is a simple and direct insurance plan that is specially designed to address the needs of most landlords in Macau. Its cover, features, coverage limits and pricing are different to a traditional home insurance policy.

Yes. As long as you lease an apartment located in Macau with a signed and duly stamped Tenancy Agreement, you may take out Landlord Protector to protect your property.

Yes. As long as the leased apartment is located in Macau with a signed and duly stamped Tenancy Agreement, the corporate client as a landlord may take out Landlord Protector.

No. Landlord Protector only covers premises that are located in Macau.

No. Landlord Protector is only effective if a Tenancy Agreement is signed between a landlord and a tenant; not between a company and its staff as staff quarters.

No. Landlord Protector only caters to the needs of landlords and covers only the landlords’ property, fixtures and fittings, furniture, decoration, and appliances in the leased premises. However, we also offer a specially created Tenant Protector, which is tailored specifically for the needs of tenants. Please contact your insurance advisor for more details.

Landlord Protector is designed specifically to cater to the precise needs of landlords in Macau. Its cover and cover limits may not be sufficient to give an owner-occupier the level of protection they expect. We recommend that owner-occupiers consider a FamilySurance Plus 4.0 policy that is specially created to cater to their needs.

Landlord Protector is specially designed to address all your needs as a landlord letting out your apartment. To get maximum protection for the apartment you are living in, it is suggested that you take out a FamilySurance Plus 4.0 policy which is more suitable for owner-occupiers.

No. Landlord Protector covers a leased apartment for residential purposes only.

In the case of your tenant using your apartment as a home office, please inform your insurance advisor for special proposal.

Even if he/she has promised that he/she will not damage your property, accidents may still happen that could impact your rental income. Insuring your leased apartment will make life easier for you in potentially difficult situations you could encounter with a tenant who is your friend or relative. Landlord Protector can also protect your liability as the owner of your leased apartment.

Landlord Protector covers apartments with gross floor areas of 1,200 square feet or less. For apartments with a gross floor area more than 1,200 square feet, please contact your insurance advisor for special proposal.

Yes. You may cancel the policy if you change your mind as long as there have been no claims against your policy. We will refund the unused premium based on a short-term rate subject to a minimum premium of HK$500.

Landlord Protector is exclusively designed for landlords who have leased a property they own.
Therefore, if your daughter is renting your apartment while you are living elsewhere, Landlord Protector will protect your property assets as well as your rental income against any accidental loss. However, it will not provide sufficient cover to protect your daughter who is the occupier of your apartment. Please note that there must be a current and duly stamped Tenancy Agreement to take out Landlord Protector. If this is not the case with your daughter’s Tenancy Agreement, we recommend that you take out FamilySurance Plus 4.0 to cover both yourself and your daughter.

If your leased apartment is to be unoccupied for more than 30 consecutive days, please inform your insurance advisor as soon as possible.

Yes, you can claim for any damage to the wardrobe with coverage limits of up to HK$15,000.

It depends on whether you have taken out any Building insurance. If you have, you will be required to claim under the Building insurance. Or, if you have previously replaced the glass bathtub screen, you can claim under the household improvements cover section of Landlord Protector with compensation of up to HK$50,000.

As long as it is handled with care during the course of transit to or from the repair centre, your TV will be covered under Landlord Protector.

Yes. Landlord Protector provides cover for any damage to a landlord’s property caused by a contractor’s work, as long as the duration of the renovation work is shorter than 2 months with a total contract value of less than HK$100,000.

Yes. Landlord Protector covers all your furniture in your leased apartment up to HK$400,000 in aggregate, under which up to HK$50,000 is for household improvements. In the event that the cost of your furniture, fixtures and fittings, and renovations in your leased apartment costs more than the policy’s cover limits, please contact your insurance advisor.

Yes. Your contents in your leased apartment will be covered up to HK$400,000 in aggregate, which includes household improvements cover of up to HK$50,000 under Landlord Protector. However, the structural parts of your leased apartment such as floors, walls and ceilings will only be covered by Building insurance. We strongly recommend that you take out optional Building cover to ensure that you have comprehensive protection for your leased apartment.

You are advised to review the total value of your leased apartment after renovation to check if the contents cover limit is sufficient for your renovated apartment. In any case, you should notify us about these renovations or changes that may increase the risks of damages in your leased apartment.

Landlord Protector will cover your loss of rent under the following circumstances:

• Your leased apartment becomes uninhabitable due to accidental loss of or damage to contents; or
• Your leased apartment cannot be accessed because of an accident that happened nearby, e.g. a fire started in your neighbour’s home, forcing your tenant to move out; or
• Your tenant dies as a result of murder or suicide and no one is paying the rent; or
• Your tenant fails to pay the rent in accordance with the Tenancy Agreement

No. Loss of Rent cover will only compensate you for the unrecovered rent that your tenant is obliged to pay in accordance with the Tenancy Agreement up to HK$20,000. Any legal costs involved are not covered.

If you are being sued and it is proved that you are legally liable as the owner of the apartment for the accident, you will be covered under Landlord Protector. You are advised to file the claim with us immediately without committing to any liability.