inGuardian Home Insurance Plan

There is no place like HOME, the coziest and warmest place that gives you inner peace and it is where numerous memories are made. Now you can keep those memories safe with a comprehensive home content insurance plan, an ideal choice to protect a home full of valuable and treasured belongings.

Features

Householder Insurance

1. Legal liability protection up to HK$10,000,000 for property owners, tenants, occupiers or pet owners
2. Maximum coverage up to HK$1,250,000 for damage or loss to home contents and personal belongings subject to the household area
3. Alternative accommodation protection coverage including alternative accommodation daily rent, meal allowance, alternative accommodation for pets, or even Feng Shui consultation fee
4. Interior decoration coverage up to HK$100,000 for damage or loss during home renovation
5. Temporary removal coverage up to HK$50,000 due to an accidental damage to your home contents whilst temporarily removed from home for cleaning, renovation, repair or similar purposes to any other premises and while in transit within Hong Kong
6. Debris removal protection coverage up to HK$20,000 per accident
7. Frozen food deterioration protection coverage up to HK$5,000 per accident
8. 24-hour emergency home assistance services: cashless approach for standard areas and standard hours
9. Worldwide personal belongings protection up to HK$5,000 per accident for replacement of personal documents or money and up to HK$20,000 for unauthorised use of credit cards

Landlord Insurance

1. Legal liability protection up to HK$10,000,000 for landlord
2. Home contents protection: maximum coverage up to HK$250,000
3. Loss of rent protection: HK$20,000 per month, maximum indemnity period for 6 months
4. Temporary removal protection: coverage up to HK$50,000 per accident
5. Debris removal protection: coverage up to HK$20,000 per accident
6. 24-hour emergency home assistance services: cashless approach for standard areas and standard hours

Major exclusions

Unexplained loss; illegal building works; electrical and mechanical breakdown; wear and tear; war; terrorism; radioactive contamination; nuclear; pollution contamination

Important Notes

Zurich Insurance Company Ltd (hereafter “Zurich”) is the insurance underwriter of the insurance plan, and is solely responsible for all coverage and compensation. The insurance plan is a product of Zurich but not China CITIC Bank International Ltd. Zurich is not a subsidiary or an affiliate of China CITIC Bank International Ltd. China CITIC Bank International Ltd. is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an appointed licensed insurance agency of Zurich for distribution of general insurance products in the Hong Kong SAR.

In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between China CITIC Bank International Ltd. and the customer out of the selling process or processing of the related transaction, China CITIC Bank International Ltd. is required to enter into a Financial Dispute Resolution Scheme process with the customer.

The information contained herein is for reference only and does not constitute any part of the insurance contract. For full terms and conditions and exclusions, please refer to the policy document which shall prevail in case of inconsistency. In the event of any discrepancy between the English and Chinese versions, the English version shall prevail. Zurich Insurance Company Ltd reserves the right of final approval and decision on all matters.