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Why you need Home Insurance
With home insurance, you can rest assured that your home and its contents will be covered for any damage in the unfortunate event of a fire or typhoon. Whether you are a landlord or a tenant, having home insurance is essential to protect the value of your precious assets.
Comprehensive Coverage
Home contents cover of up to HK$1,000,000 and Personal liability insurance cover of up to HK$5,000,000
Affordable
Premium as low as HK$1.9 per day
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Earn 1 yuu Point for every HK$1 premium paid.
Key Features
Accidental damage or loss to your home contents
In case of a fire or typhoon, Home Insurance cover the loss of damage to your home contents. For example, if a glass window is damaged due to a typhoon, we can cover the replacement of the glass, subject to the terms and conditions of the policy.
Personal Liability
Accidentally broke a store window or damaged items in a furniture shop? Personal liability are covered for these types of events as well. And in case you become legally liable to pay a third party any compensation for accidental death, injury or property damage, a Home Insurance policy can cover you outside of your home and anywhere in the world!
Additional Accommodation Expenses
If you need to stay at a hotel because of a fire at home, your additional accommodation expenses can be covered. Meaning if there are unforeseen situations that result in damage or issues to your home making it uninhabitable, your Home Insurance policy will cover the additional cost of reasonable temporary accommodation.
Learn more about the Chubb MyHomeGuard Home Insurance through the product brochure
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Frequently Asked Questions
Is there any limitation on the building age?
There's no limitation on the building age
Is there any restriction on the type of property?
MyHomeGuard is only applicable for private dwellings located in Hong Kong SAR and used for domestic purposes only that are built of bricks, stone or concrete and roofed with concrete. No industrial or commercial buildings will be covered.
How to define high rise/low rise premises?
"High Rise Property" means a private dwelling house or flat of more than 3 storeys.
"Low Rise Property" means house/semi-detached house/village house of not more than 3 storeys other than roof floors.
Can I apply for MyHomeGuard if I am currently renting a residential premise?
Whether you are an owner, occupier or tenant, you may apply for MyHomeGuard.
What "Specific Items" are included under section 1 - Contents Cover?
"Specific Items" include : jewellery, watches, fur, fine arts, collectible stamps and coins, computer systems, portable data equipment, entertainment appliances, photographic equipment, items of precious metals, musical instruments, cameras, VCR and their accessories and other "Valuables" or collections
How do I renew the policy before expiry?
MyHomeGuard will be renewed automatically provided that the premium is received by Chubb.
Is there any restriction on floor area?
There's no restriction on floor area.
Is MyHomeGuard applicable for public housing?
MyHomeGuard is suitable for both private housing or public housing
Does MyHomeGuard cover an overseas property?
No. The insured property must be located in Hong Kong SAR.
Do I need to provide a detailed list of the contents in my premise?
No. You just need to choose the plan with the sum Insured that represents the full value (as new) of your contents (including those of your family members residing with you).
How can I pay for the policy?
You can pay monthly or annually by credit card (Visa and MasterCard).
Terms and Conditions
MyHomeGuard Eligibility, Terms and Conditions: 1. Insured Premises must be private dwelling for domestic purposes only. 2. Insured Premises must be built of bricks, stone or concrete and roofed with concrete. 3. Insured Premises must be located in Hong Kong SAR. 4. The applicant must be at least 18 years old and a Hong Kong resident. 5. The above information is for reference only. For full coverage details, terms & conditions and exclusions, please refer to the Policy Wording. In the event of any discrepancy between the English and Chinese versions, the English version shall prevail. 6. “MyHomeGuard” is underwritten by Chubb Insurance Hong Kong Limited (“Chubb”). yuu is owned and operated by DFI Development (HK) Limited, an affiliate of Dairy Farm International Holdings Limited. DFI Development (HK) Limited is an insurance agency (license number: GA1026) authorised by Chubb.
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