Home Buildings Insurance
This is a comprehensive and flexible insurance to cover the structure of your home, garages, outbuildings, walls and fences against loss or damage caused by fire, explosion, and other additional perils which you may select to cover.
Comprehensive Coverage
Plan A:
Covers the structure of your home from Fire and the following additional Perils: bursting of pipes, overflow of water tanks, sprinkler leakage, impact, explosion, earthquake, riot & strike, malicious damage, aircraft, typhoon, windstorm and flood.
| Premium Rate: | 0.1100% of Sum Insured |
| Optional Cover: | Landslip & Subsidence |
| Premium Rate: | 0.1375% of Sum Insured |
Plan B:
Cover Perils under Plan A with landslip & subsidence and additional covers as follows:
Free Alternative Accommodation costs or Loss of Rent if your home is uninhabitable after an insured accident up to HK$1,500 per day and maximum of HK$50,000 per year.
Up to HK$2,500,000 Free Personal Liability which indemnifies any claim made against you for bodily injury or property damage for which you may become legally liable as owner of your home.
Death & Permanent Total Disablement sustained as a result of fire or theft or attempted theft up to HK$100,000.
Theft or attempted theft (accompanied by actual forcible and violent entry to or exit from premises).
| Premium Rate: | 0.1485% of Sum Insured |
| Excesses: | The first part of the claim which you have to pay |
The first HK$3,000 of each claim due to earthquake, impact, typhoon, windstorm and flood, water tanks apparatus and pipes and flood other than typhoon or windstorm.
The first HK$10,000 or 10% of each claim due to landslip and subsidence.
Extra Benefit: Free 24-hour Assistance Hotline Service is included in all plans
Minimum Premium of this Policy is HK$500.
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