Home Contents Insurance

Comprehensive Household Cover

HomeGuard is the most comprehensive way for you to cover the Contents of your home from loss or damage. We will automatically cover you up to a maximum limit of HK$1,000,000 per year, on a new-for-old basis, so you do not need to worry about setting your sum insured. Our easy-to-calculate 'square footage rating' basis makes your premium calculation simple too.

No Claim Discount

An unique offer from RSA: if no claims are made under the Contents cover, you will be entitled to a 5% premium discount each year up to a maximum discount of 20%.

Covers	Benefits	Maximum Limits (HK$)
		Plan I	Plan II
1. Household Contents*^	Covers accidental loss of or damage to your household	600,000/year	1,000,000/year
	Maximum Coverage per article	30,000/article	60,000/article
	Total Coverage for valuable	150,000/year	200,000/year
	Maximum Coverage per valuable	10,000/valuable	12,000/valuable
2. Alternative Accommodation	If you cannot live at home after an insured accident, you will be covered for temporary accommodation expenses	50,000/year	75,000/year
3. Death and Permanent Total Disablement	Covers you and your family for death or Permanent Disablement sustained as a result of fire, theft or attempted theft	100,000/year	100,000/year
4. Burglary/Robbery Injury	Covers your and your family for medical expenses caused by burglary or robbery within your home (subject to sick leave period of not less than 3 consecutive days and approved by a medical practitioner)	5,000/year	5,000/year
5. Damaged Locks/Windows	Pays the cost incurred for replacement and installation of windows, external door locks damaged due to burglary or attempted theft	2,000/year	3,000/year
6. Freezer Contents	Covers accidental loss of or damage to food in a domestic freezer or refrigerator in your home caused by a rise or fall in temperature or contamination from refrigerant or refrigerant fumes	2,000/year	3,000/year
	The refrigerator must be less than 5 years old	1,000/event	1,000/event
7. Personal Effects and Valuables	Covers accidental loss of or damage to personal property, excluding all portable telecommunication and computer equipment, owned, used or worn and in either case carried about by you in everyday life worldwide	5,000/year	10,000/year
Extensions: Personal Money, Credit Cards and Personal Identification Documents	Covers loss of personal money and unauthorized use of your credit card in the event of theft or robbery from your home	2,500/article	5,000/article
	Covers you worldwide for cost of replacing lost personal I.D. documents and credit cards	2,500/year	3,000/year
	Loss must be reported to the local police authority within 24 hours of the discovery of loss	1,000/event	1,500/event
8. Temporary Removal	Covers loss of or damage to household contents when removed due to any of the insured causes.	50,000/year	70,000/year
	Also covers loss of or damage to household contents temporarily removed elsewhere in Hong Kong for the purpose of professional cleaning, repairing, renovation, etc	30,000/article	30,000/article
9. Domestic Helper's Effects	Loss of or damage to your domestic helper's personal effects in your home	10,000/year 2,500/article	10,000/year 2,500/article
10. Personal Liability	Protects your household from legal liability in respect to bodily injury or property damage to third parties	5,000,000/year	5,000,000/year
11. Home Assistance	A 24-hour Home Assistance Hotline Service to assist you in case of an emergency including: Repairing of electrical appliances / plumbing assistance Housecall / dental referral Baby-setting / nursing assistance Hotel room accommodation	Advisory Service	Advisory Service
	Locksmith assistance	HK$300/event+	HK$300/event+
12. Household Removal#	Covers the household contents in the course of removal by professional removers from your home to your new permanent residence within Hong Kong	20,000/year 2,000/item	50,000/year 5,000/item
13. Removal of Debris	Covers the cost actually incurred in the necessary demolition, shoring up or propping of building and the removal of debris following any insured accident	5,000/year	5,000/year

^*Subject to an excess of HK$500 per claim
^{^}Subject to an excess of HK$800 or 10% of loss whichever is greater for water damage claims
^#Subject to an excess of HK$1,000 per claim
⁺Service must be arranged by our assistance hotline

Annual Premium (HK$)Based On The Gross Floor Area Of Your Home
Square Feet	Plan I	Plan II
Below 500	730	1,090
501 - 700	990	1,390
701 - 1,000	1,280	1,790
1,001 - 1,500	1,610	2,260
1,501 - 2,000	1,995	2,750

Minimum premium of this Policy is HK$500

1: EMPLOYEES' COMPENSATION

Plan A - Employees' Compensation Only
We protect your liabilities as an employer to your domestic helper against accidents and injuries that arise from work. This insurance is made compulsory under the Employees' Compensation Ordinance.

Plan B - Employees' Compensation, Hospitalisation and Medical Expenses
This plan provides Employees' Compensation and covers your domestic helper in case of injury or sickness not relating to employment.

• Hospitalisation Cover:
  - Covers surgeons' and anaesthetists' fees, operating theatre charges as well as room and board while staying in a hospital. Limits of indemnity per policy are:
  - Each year: Up to HK$15,000
  - Each and every claim: Subject to a maximum of HK$5,000 (HK$300 excess applies)
  - Daily Room and Board: A maximum of HK$300
  


• Medical Expenses Cover:
  Out-patient:
  Pays up to HK$150 per visit in the event of your domestic servant's injury or sickness.
      - Must consult a registered medical practitioner
      - Subject to a maximum of HK$1,200 per year
  
  Emergency Dental:
  Pays 75% of the expense incurred not exceeding HK$3,000 per year for oral surgery, treatment of abscesses, X-rays, extractions or fillings if your domestic helper requires dental treatment necessitated as a result of an accident.
  
  Repatriation or Return of Ashes:
  Pays the costs of repatriating your domestic helper to his/her country of residence if certified by a registered medical practitioner that he or she is medically unfit to word following serious sickness or injury leading to early termination of employment contract. We will also pay for post-mortem treatment and return of mortal remains or body ashes back to home country in the event of the death of your domestic helper up to a maximum of HK$5,000 per policy period.

Premium (Non-refundable but change of servant is allowed)

Plan	Cover	Premium per employee
A	Employees' Compensation	HK$221
B	Employees' Compensation, Hospitalisation and Medical Expenses	HK$750

A 15-day waiting period from the effective date of the insurance for each domestic servant will be applicable to the Hospitalisation and Medical Expenses covers only and the applicable age for such cover is 18 to 60.

2: PERSONAL POSSESSIONS

Anywhere, anytime, wherever you are in the world, rest assured that we cover you for theft, loss or damage to your belongings and valuables up to the amount you have insured.

Premium rate: 1.65% of Sum Insured

• Amount of Sum insured is decided by you
• Subject to an excess of HK$500 per claim
• Sum Insured will automatically be increased by 10% at each renewal of the policy in order to preserve the original value of the cover against inflation (not applicable to unspecified personal possessions)
• Maximum total Sum Insured for unspecified personal possessions should not exceed HK$20,000 (Sum Insured per item should not exceed HK$5,000)

Note: The above information serves as a general guideline only. Please refer to the exclusions, terms and conditions of the Policy for details of cover.

Your Trustworthy Insurance Partner

With an almost 300 year heritage, RSA is one of the world's leading multinational quoted insurance groups. It has the capability to write business in over 130 countries and with major operations in the UK, Scandinavia, Canada, Ireland, Asia and the Middle East and Latin America.

A wholly-owned subsidiary of the RSA Group and traded in the name of Royal & Sun Alliance Insurance plc, we have run insurance business in Hong Kong for more than 30 years. We offer a comprehensive range of customised and packaged commercial and personal insurance products and services. Apart from enjoying the security provided by one of the world's leading insurers, you can trust our efficient and fair claims service and quality customer care.

At RSA, we are committed to providing our customers with convenient, appropriate and secure insurance solutions and consistently fulfilling what we promise. We are "The professional insurer you can always rely on".

For enquiries, please contact your agent / broker or us:
Royal & Sun Alliance Insurance plc
32/F, Dorset House, Taikoo Place, 979 King's Road,
Quarry Bay, Hong Kong
Tel: 2968 1636 Fax: 2917 6266
E-mail: hk_personal_insurance@hk.rsagroup.com