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Household Protection
Insurance
A happy home is a well protected home
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As your most treasured possession, your home deserves to be taken care of and protected. Household Protection Insurance promises to help you safeguard your home by providing extensive coverage for household contents and valuables, plus accidental liability protection. Each benefit is tailored to suit your particular needs, enabling you to enjoy total peace of mind.
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Major Exclusions
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1. |
Wear and tear, mildew, mold, moisture, rot, corrosion, rust, gradual deterioration, market depreciation, the action of light or atmosphere, and gradually operating causes. |
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2. |
Theft or attempted theft not accompanied with forcible or violent entry into or exit from the home leaving visible marks. |
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3. |
Breakdown and/or mechanical malfunction of electrical appliances and computer equipment. |
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4. |
Leaving properties behind and unattended. |
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5. |
Any willful, deliberate, or malicious act, recklessness, or vandalism. |
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Fines, penalties, punitive, or exemplary damages. |
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7. |
War and terrorism. |
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Excess* |
| For Each and Every Claim (HK$) |
Non-low Rise House
less than 36
years old |
Low Rise House2
less than 36
years old |
| Applicable to Section 1 - Household Contents |
| a. |
Loss or damage except caused by fire, lightning, or explosion |
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500 |
3,000 |
| b. |
Water damage, landslip, or subsidence |
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2,000 or 10% of the adjusted loss |
3,000 or 10% of the adjusted loss |
| c. |
Loss or damage caused by interior alterations or repairs |
| 10,000 or 10% of the adjusted loss |
| Applicable to Section 2 - Public Liability |
| a. |
Third party property damage |
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2,000 |
| b. |
Water damage to third party property |
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2,000 or 10% of the adjusted loss |
| c. |
Third party property damage arising from interior alterations or repairs |
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10,000 or 10% of the adjusted loss |
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| 1. |
A minimum premium of HK$400 will apply if the policy is cancelled. |
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"Low Rise House" means a house/semi-detached house/village house of not more than 3 storeys other than roof floor. |
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"Excess" means the first amount or the percentage (if applicable) of the adjusted loss (whichever is greater) for each and every claim. |
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Application is subject to underwriting if the building age exceeds 35 years. |
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The above information is for reference only. Please refer to the policy for the
exact terms and conditions and the full list of policy exclusions. For more
information or a copy of the policy terms and conditions,
please contact our Marketing Officer.
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The Bank of East Asia, Limited is an insurance agent authorised by BEA Life Limited ("BEA Life") and Blue Cross (Asia-Pacific) Insurance Limited ("Blue Cross"), members of the BEA Group. BEA Life Insurance Series and General Insurance Series are underwritten by BEA Life and Blue Cross respectively.
This is a redirect webpage hosted by Blue Cross (Asia-Pacific) Insurance Limited.
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