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Promotion
Successfully enrol via online to enjoy 30% first year premium discount! |
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Total protection at home and away
Our home is where we feel most secure. Yet it takes just small home accidents, such as a burning cigarette butt or a running water tap, to ruin your home contents. DBS Bank Home Contents Insurance is specially designed to protect your home against loss or damage caused by unfortunate incidents.
Home Contents Insurance
Home Contents Cover with Only HK$2.4 A Day
Home Contents Insurance protects against loss of or damage to home contents in the unfortunate event of accidents such as fire, typhoon, burglary, and theft up to HK$500,000. For valuable items, the cover is up to HK$15,000 per item, set or collection, or up to HK$166,000 in aggregate amount per year. Only HK$250 excess will be imposed on general claims unless specified.
Third-Party Liability Cover up to HK$5,000,000
Whether you are the landlord (occupier) or tenant, you can rest assured you will enjoy a full liability cover up to HK$5,000,000 in the event of your negligence causing third party injury or property damage.
Free Worldwide Protection of Personal Belongings And Liability
Your family members and you can also be protected overseas. Wherever you travel, your personal belongings or valuables that you carry are protected against loss or damage at no additional cost. More importantly, you are protected with a maximum liability cover of HK$5,000,000 arising from your negligence causing third party injury or property damage during the travel.
Benefit Table
| Cover |
Maximum Benefits (HK$) |
Home Contents
Damage to or loss of home contents due to fire, typhoon, explosion, burglary, flooding, landslip, subsidence and pipes burst, theft and accidental damages. |
- Furniture or home appliances (e.g. leather sofa, hi-fi)
- Valuable property (e.g. jewelry, watches, furs and chinaware)
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500,000 / year |
100,000 / item, set or collection
166,000 / year, 15,000 / item |
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Household Removal
Damage to or loss of home contents in the course of removal by professional movers. |
100,000 / year |
Temporary Removal
Damage to or loss of home contents while being temporarily removed for renovation, maintenance, cleaning, etc. |
50,000 / year |
Alternative Accommodation
Home is damaged and made uninhabitable by accidents. |
50,000 / year |
Door Locks, Keys and Windows Replacement
Damage to door or window by theft. |
2,500 / year |
Personal Liability
Protects you and your family members against any legal liability in the event of negligence causing third party injury or property damage. |
5,000,000 / event |
| Worldwide Personal Belongings and Valuables |
- Unauthorised use of credit cards
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- Personal belongings (e.g. watches and clothes)
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- Replacement of personal documents (e.g. passport and HKID card)
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10,000 / event |
10,000 / event, 5,000 / item |
2,500 / event |
2,500 / year |
1,000 / year |
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24-Hour Home Assistance Service
Locksmith, Plumber, Electrician, Air-Conditioner Engineer, Pests Control, Home Cleaning, General Repair Assistance...etc. |
Referral Service is provided |
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1,000 / claim |
10,000 / claim or 10% of the loss, whichever is greater |
250 / claim |
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Premium Table
| Gross floor area (sq.ft.) |
Monthly Premium (HK$) |
Annual Premium (HK$) |
| Up to 650 |
75 |
900 |
| 651 - 850 |
110 |
1,320 |
| 851 - 1,000 |
140 |
1,680 |
| 1,001 - 1,500 |
170 |
2,040 |
| 1,501 - 2,000 |
200 |
2,400 |
| Over 2,000 |
230 |
2,760 |
Peace of mind
MSIG Insurance (Hong Kong) Limited (hereunder called "MSIG") has been providing general insurance solutions and products to its customers in Hong Kong for more than 150 years, with a network of operations dating as far back as 1855. In Hong Kong, MSIG, a wholly-owned subsidiary of one of the largest general insurers in Asia, Mitsui Sumitomo Insurance Co Ltd (MSI), is highly reputed for its long-standing industry experience and market knowledge.
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Major Exclusions
Home Contents Insurance
Uninsurable risks such as war, terrorism, scratching, corrosion, wear and tear, mechanical or electrical breakdown, home unoccupied for more than 30 consecutive days, malicious damage or vandalism by a person residing lawfully in the home, contact or corneal lens, mobile or portable telephone, etc.
| Important Notes: |
| 1. |
The above insurance plan is underwritten by MSIG Insurance (Hong Kong) Limited ("MSIG"). MSIG reserves the right of final approval. DBS Bank (Hong Kong) Limited ("the Bank", which expression includes its successors and assigns) is an insurance agent authorized by MSIG. |
| 2. |
DBS MSIG InsureDirect is a dedicated enquiry hotline for DBS customers serviced by MSIG. |
| 3. |
The above information is intended as a general summary. For details on the terms and conditions and exclusions, please refer to the relevant policy of the plan. |
| 4. |
The Bank and MSIG reserve the right to amend the above terms and conditions without prior notice. |
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