Tenant Protector

Tenant Protector

Protection for your belongings and your landlord's property

Key Features

  • Covers up to HK$5,000,000 for loss of or damage to landlord's contents for which you are legally liable as a tenant
  • Protection for your own contents of up to HK$500,000
  • Expenses for alternative accommodation or rental payment if your home becomes uninhabitable due to insured damages – compensation up to HK$50,000

Plan highlights:

  • Security Deposit Protection for the amount you have paid to a landlord who goes into bankruptcy – covers up to HK$10,000 or 50% of the deposit (whichever is lower)
  • Personal Liability Cover of up to HK$5,000,000
  • Worldwide Sports Equipment Cover of up to HK$2,500

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

Benefits at a Glance Maximum Benefits Payable Per Year (HK$)

Basic Cover

In the aggregate, inclusive of all sub-limits under Extra Benefits

$300,000 $400,000 $500,000

Content

Accidental loss of or damage to your contents including furniture, fixtures and fittings, household appliances, personal computer etc

$300,000
$15,000 per item, set or collection

$400,000
$15,000 per item, set or collection

$500,000
$15,000 per item, set or collection

Valuable Property

Includes: jewellery, watches, photographic equipment etc

1/3 of sum insured of Contents
($15,000 per item, set or collection)

1/3 of sum insured of Contents
($15,000 per item, set or collection)

1/3 of sum insured of Contents
($15,000 per item, set or collection)

Money

$5,000

$5,000

$5,000

  • Money
$1,000 per occurrence $1,000 per occurrence $1,000 per occurrence
  • Stamps, coins, medals
$1,000 per collection $1,000 per collection $1,000 per collection

Others

$5,000 per item, set or collection

$5,000 per item, set or collection

$5,000 per item, set or collection

Household Improvements

Improvements and betterments on walls, windows, ceiling, floors and doors

$50,000

$50,000

$50,000

Extra Benefits

Benefits at a Glance Maximum Benefits Payable Per Year (HK$)

Loss of Security Deposit

If your landlord goes into bankruptcy and fails to repay your security deposit

$10,000 or 50% of the deposit, whichever is the lower

$10,000 or 50% of the deposit, whichever is the lower

$10,000 or 50% of the deposit, whichever is the lower

Alternative Accommodation

If your home becomes uninhabitable due to insured damages

$50,000
($1,500 per day)

$50,000
($1,500 per day)

$50,000
($1,500 per day)

Fatal Accident Benefit

If you or your family member passes away within three months following injury caused in your home by fire or thieves

$50,000

$50,000

$50,000

Burglary/Robbery Harm Allowance

If you or your family member sustains injury caused by burglars or robbers in your home with four or more consecutive days of sick leave granted by a doctor

$5,000

$5,000

$5,000

Damaged Locks

Replacement and installation cost if windows, gate or external door locks are damaged as a result of burglary or attempted theft

$5,000

$5,000

$5,000

Removal of Debris

After the damage or destruction to your home

$10,000

$10,000

$10,000

Household Removal

Loss of or damage to contents during the course of removal by a professional remover

$100,000 ($10,000 per item)

$100,000 ($10,000 per item)

$100,000 ($10,000 per item)

Temporary Storage of Contents

Loss of or damage to contents during temporary storage in a furniture depository within Hong Kong for up to 30 days

$50,000

$50,000

$50,000

Personal Documents

Replacement of personal documents due to accidental loss or damage

$1,000

$1,000

$1,000

Sports Equipment (Worldwide Cover)

Loss of or damage to sports equipment anywhere in the world

$2,500

$2,500

$2,500

Landslip and Subsidence Extension

Loss of or damage to contents directly caused by landslip or subsidence

Covered

Covered

Covered

Alterations and Repairs

Accidental 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)

Personal Liability (Free)

Tenant Liability – Any claim against you and your family members in the event of negligence causing loss of or damage to the contents and fixtures and fittings belonging to your landlord

Your legal liability as tenant in respect of causing third party bodily injury or property damage

Worldwide personal liability (other than as tenant)

$3,000,000 per occurrence

$4,000,000 per occurrence

$5,000,000 per occurrence

Your legal liability as tenant whilst alteration and 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)

Your legal liability as pet owner

Covered (cats and dogs only)

Covered (cats and dogs only)

Covered (cats and dogs only)

24-Hour Home Emergency Assistance (Free)

Offers immediate assistance on referral services if you encounter any problems with your home

Referral service

Referral service

Referral service

Important Notes:
  1. The premises or building to be insured must be less than 40 years of age.
  2. The premises or building to be insured must be for residential use. No industrial or commercial buildings will be covered.
  3. 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.
  4. 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.
  5. 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

Gross Floor Area (sq ft)

Saleable Floor Area (sq ft)

Annual Premium (HK$)

Basic Cover

800 or below

640 or below

$688

801 – 1,000

641 - 800

$988

1,001 – 1,200

 801 - 960

$1,288

Over 1,200

Over 960

Special quotation

Exclusions

For All Sections

  • Sub-divided home or sub-let premises
  • Insured premises that are situated in a building where sub-divided flats are known to exist 
  • Insured premises that are used for business purposes or as a holiday home
  • Unoccupied premises for more than 30 consecutive days
  • Illegal structure exists in the insured premises

Excess

Major Excess  Excess Amount (HK$)

Household Contents

General item

$500

Household removal

$1,000

Landslip and subsidence

$10,000 or 10% of adjusted loss, whichever is greater

Water damage

$1,000 or 5% of adjusted loss, whichever is greater

Personal Liability

 

Water damage

$3,000 or 10% of adjusted loss, whichever is greater

Landlord’s home or contents

$10,000