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| All-in-one Home Insurance |
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Promotion
Enrol now to enjoy 2-month Premium Waiver
(to be waived on the 3rd and 6th month of the 1st year)
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Total home protection and covers for decoration, relocation and after move-in
Start protecting your home with DBS Bank All-In-One Home Insurance. This plan offers comprehensive covers for your home contents and personal belongings for a complete home protection.
Comprehensive Covers to Save You from Hassles
All-In-One Home Insurance provides protection for your home contents. In addition, you can extend the covers for decoration, removal and part-time domestic helper, easing you at every step of your home protection planning.
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 tenant or landlord, 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.
Home Decoration Insurance
Third-Party Liability Cover up to HK$5,000,000
What can be more damaging than any third-party liability claims due to your contractors' negligence during the decoration? Home Decoration Insurance is in fact specially designed to protect you and your new home against such dispensable compensation, and it covers up to HK$5,000,000 for third-party liability. Home Decoration Insurance offers 6 fixed insured amount from HK$250,000 to HK$500,000 for you to choose from.
Home Removal Insurance
Protection for Home Contents up to HK$300,000
To give you peace of mind, Home Removal Insurance provides covers up to HK$300,000 for your home contents during the relocation. You may choose to declare specific items for coverage and benefit amount, securing a full protection of your favourite belongings.
Part-Time Domestic Helper Insurance
Premium at Only HK$27.8 A Month*
While your part-time domestic helper is performing duty, you have legal obligation when he or she is injured, or causes injury or property damage to any third party. With Part-Time Domestic Helper Insurance, you no longer need to worry when these really happen to you.
* Only annual payment is accepted
Promotion Offers
| Successful enrollment to
the following plan(s) |
Offers |
| Home Contents Insurance1 |
- 2-month premium waived, saving you up to HK$460
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Home Contents Insurance and Home Decoration Insurance
OR
Home Contents Insurance and Home Removal Insurance
OR
Home Contents Insurance and Part-Time Domestic Helper Insurance |
- 2-month premium waived for Home Contents Insurance, saving you up to HK$460, and
- One FREE Home Pest Control Service, or one FREE Home Disinfection Service2
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Benefit Table |
Premium Table |
| Home Contents Insurance |
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| Home Decoration Insurance |
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| Home Removal Insurance |
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| Part-Time Domestic Helper Insurance |
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| For Privileged Home Cleaning Service Details, please click here. |
| For Application Form, please click here. |
Home Contents Insurance Benefit Table
| Cover |
Maximum Benefits (HK$) |
Home Contents
Damage to or loss of home contents due to fire, typhoon, explosion, burglary and/or theft, flooding, landslip, subsidence, pipes burst, or other accidental damages. |
- Furniture or home appliances
- Valuable property
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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 kept in other premises for renovation, maintenance, cleaning, etc. |
50,000 / year |
Alternative Accommodation
Cost of temporary accomodation when home is damaged and made uninhabitable by accidents. |
50,000 / year |
Replace Door Locks, Windows and Keys
Replacement due to damage by burglary and/or theft. |
2,500 / year |
Personal Liability
Protects you and your family members against any legal liability in the event of you or your family member's 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
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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, Home Cleaning, General Repair Assistance, Emergency House-Call Nurse. |
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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Home Contents Insurance Premium Table
| Gross floor area (sq.ft.) |
Monthly Premium (HK$) |
| Up to 650 |
75 |
| 651 - 850 |
110 |
| 851 - 1,000 |
140 |
| 1,001 - 1,500 |
170 |
| 1,501 - 2,000 |
200 |
| Over 2,000 |
230 |
Home Decoration Insurance Benefit Table
| Cover |
Maximum Benefits (HK$) |
| Construction Period |
Maximum 90 days / contract |
| Maintenance Period |
Maximum 30 days / contract |
Material Damage
- Cover the accidental loss of or damage to the contract work against fire, water damage, and other mishaps
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Fixed amount from 250,000 to 500,000 (refer to premium table) |
Third-Party Liability Cover
- Cover your liability as a homeowner against any claims on third party bodily injury or property damage due to the work operation
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Maximum 5,000,000 / contract |
| External Wall, Roof Top Work or Scaffolding Work |
Covered with additional premium
(refer to premium table) |
Excess
- Material damage or third-party liability
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10,000 / claim or 15% of the loss, whichever is greater |
Home Decoration Insurance Premium Table
One-off Premium (HK$) |
| Sum Insured (HK$) |
250,000 |
300,000 |
350,000 |
400,000 |
450,000 |
500,000 |
| Exclude external wall, roof top or scaffolding work |
1,500 |
1,920 |
2,240 |
2,560 |
2,880 |
3,200 |
| Include external wall, roof top or scaffolding work |
2,250 |
2,880 |
3,360 |
3,840 |
4,320 |
4,800 |
Home Removal Insurance Benefit Table
| Cover |
Maximum Benefits (HK$) |
Cover any physical loss or destruction of or damage to home contents and personal effects in transit.
- lnclude furniture or domestic appliances
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100,000 - 300,000 Maximum article limit:
5,000 / item |
Terms and Conditions:
- Local (within territory of HK)
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- Subject to professional remover only
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- Valuables (e.g. jewellery) are not covered
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- Basis of valuation applied to average clause
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- Excess is 1,000 / claim or 1% of the sum insured, whichever is greater
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- Optional cover for specific items is available. Please contact any DBS Branch or call DBS MSIG InsureDirect on 3122 6868 for enquiries
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Home Removal Insurance Premium Table
| Sum Insured (HK$) |
One-off Premium (HK$) |
| 100,000 or below |
380 |
| 100,001 - 150,000 |
570 |
| 150,001 - 200,000 |
760 |
| 200,001 - 250,000 |
950 |
| 250,001 - 300,000 |
1,140 |
Part-Time Domestic Helper Insurance Benefit Table
| Cover |
Maximum Benefits (HK$) |
| Employees' compensation cover |
100,000,000 |
Part-Time Domestic Helper Insurance Premium Table
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Annual Premium (HK$) |
| Part-Time Domestic Helper Insurance |
333 / domestic helper |
Privileged Home Cleaning Service Details
| Types of Home Cleaning Service |
Original Price (HK$) |
Now (HK$) |
General Pest Control Service
(Both indoor and outdoor home areas)
Services include: cockroaches, ants, fleas, silverfish, mosquitoes and flies control.
Services exclude: termites, fire ants, rodents, lizards, snakes, frogs and birds control |
430 - 1,400 |
FREE |
Disinfection Service
(Indoor area only)
Services include: disinfection for indoor area and indoor air-conditioners.
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By application of 3M hospital grade disinfectant |
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Cold mist disinfection service |
Services exclude: cleaning in any type |
430 - 1,400 |
FREE |
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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 120 years, with a network of operations dating as far back as 1880. 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.
Apply Now
Remark: This insurance is underwritten by MSIG Insurance (Hong Kong) Limited.
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.
Home Decoration Insurance
Electrical breakdown, wear and tear, defective design, cessation of work, replacement or rectification, normal upkeeping and making good, pollution or contamination, damage to computers or other equipments or components, loss of or damage to bank notes, treasury notes, cheques, postal orders, money orders, stamps or securities. External wall, roof top work or scaffolding work is covered with additional premium.
Home Removal Insurance
Consequential losses arising from delay, damage or non-delivery of clients consignment, any mysterious disappearance during transit, and valuables such as jewellery.
Part-Time Domestic Helper Insurance
War, terrorism, suicide, childbirth, pregnancy, intoxication by alcohol, narcotics or drugs not prescribed by a registered medical practitioner, HIV or HIV related illness, pre-existing condition, etc.
| Remarks for Promotion Offers: |
- New policyholder of Home Contents Insurance is entitled to a 2-month premium waiver which is applicable to the 3rd and 6th month of the first policy year.
- Applicable to customers who also enrol in either one of the Home Decoration Insurance, Home Removal Insurance, Part-Time Domestic Helper Insurance or more.
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| Terms and Conditions: |
- DBS Bank (Hong Kong) Limited and MSIG Insurance (Hong Kong) Limited reserve the right to amend the above terms and conditions without prior notice.
- The above insurance products are underwritten by MSIG Insurance (Hong Kong) Limited. Please refer to the relevant policy for the details on cover.
- Customers are not eligible to enjoy the above offers if they cancel the policy within the first year from the effective date. We reserve the right to debit the cost of the gifts from customers' accounts.
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