Features and Benefits

HomeShield Insurance
 

Plan I
(in HKD)

Plan II
(in HKD)
Plan III
(in HKD)

Home Contents

HK$500,000 per policy year

HK$1,200,000 per policy year

HK$3,000,000 per policy year

Any Unforeseen accidental loss of or damage to Home Contents, such as by fire, typhoon, explosion, burglary, flooding

 

 

 

Furniture or home appliances (e.g. leather sofa, hi-fi)

HK$50,000 per item / set / collection

HK$100,000 per item / set / collection

 HK$100,000 per item / set / collection

Valuable property (e.g. jewellery, watches)

HK$150,000 per policy year
HK$15,000 per item

HK$300,000 per policy year
HK$15,000 per item

 HK$500,000 per policy year
HK$15,000 per item

Household Removal

HK$100,000 per policy year

HK$100,000 per policy year

 HK$150,000 per policy year

Accidental damage to Home Contents during the course of removal by professional mover

 

 

 

Temporary Removal

HK$50,000 per policy year

HK$50,000 per policy year

 HK$50,000 per policy year

Accidental damage to Home Contents while being kept in other premises due to renovation, cleaning, etc.

 

 

 

Alternative Accommodation

HK$50,000 per policy year

HK$50,000 per policy year

HK$100,000 per policy year 

Cost of temporary accommodation when home is damaged and made uninhabitable by accident

HK$1,500 per day

HK$1,500 per day

HK$3,000 per day 

Replacement of Door Locks, Windows and Keys

HK$2,500 per policy year

HK$2,500 per policy year

HK$5,000 per policy year 

Replacement of locks and keys due to damage by burglary

 

 

 

Frozen Food & Drinks

HK$5,000 per policy year

HK$5,000 per policy year

HK$10,000 per policy year 

If food & drinks in the freezer rot due to the freezer failure

 

 

 

Domestic Helper Personal Effect

HK$1,500 per year
HK$500 per item

HK$1,500 per year
HK$500 per item

HK$1,500 per year
HK$500 per item
 

Any accidental loss of or damage to domestic helper’s Contents

 

 

 

Replacement of Glass

HK$2,000 per policy year

HK$2,000 per policy year

HK$5,000 per policy year 

Accidental loss caused by fire, explosion, lightning, earthquake, typhoon, storm, flood, riot

 

 

 

Personal Liability

HK$10,000,000 per event

HK$10,000,000 per event

HK$10,000,000 per event 

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

 

 

 

Worldwide Personal Belongings and Valuables

HK$50,000 per policy year

HK$50,000 per policy year

HK$100,000 per event 

Personal belongings (e.g. watches or clothes)

HK$10,000 per event
HK$5,000 per item

HK$10,000 per event
HK$5,000 per item

 HK$10,000 per event
HK$5,000 per item

Money

HK$2,500 per event

HK$2,500 per event

 HK$2,500 per event

Unauthorised Use of Credit Cards

HK$10,000 per event

HK$10,000 per event

 HK$10,000 per event

Personal Documents

HK$1,000 per year

HK$1,000 per year

 HK$1,000 per year

Sports Equipment

HK$1,500 per year

HK$2,500 per year

HK$2,500 per year 

24-Hour Home Assistance Service

Referral Service is provided

Referral Service is provided

Referral Service is provided 

Locksmith, plumber, electrician, air-conditioner engineer, home cleaning, general repair assistance etc.

   

Excess (for each and every claim) 

   

Contents

HK$250

HK$250

HK$250 

Household Removal

HK$1,000

HK$1,000

HK$1,000 

Landslip and Subsidence

HK$10,000 or 10% of adjusted loss whichever is greater

HK$10,000 or 10% of adjusted loss whichever is greater

HK$10,000 or 10% of adjusted loss whichever is greater 

Worldwide Personal Belongings and Valuables

HK$250

HK$250

 HK$250

Frequently Asked Questions

Is there any limitation on the building age?

Yes. The premise or building must be less than 40 years of age.

Is there any restriction on the type of property?

Yes. HomeShield Insurance is not applicable for sub-divided homes, sub-let property and village houses or the like.

My premise is on the ground floor of the building, can I apply for HomeShield Insurance?

No, HomeShield Insurance is not applicable for premises situated on ground floor.

Does Homeshield Insurance cover an overseas property?

No. The property must be located in Hong Kong SAR.

Can I apply for HomeShield Insurance if I am currently renting a residential premise?

Yes. In your capacity as a tenant, HomeShield Insurance provides coverage for your contents and personal belongings as well as those owned by your family members living in the same premise.

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 and Renovations (including those of your family members residing with you).

How can I pay for the policy?

You can pay annually by credit card (Visa and MasterCard).

How do I renew the policy before expiry?

HomeShield Insurance will be renewed automatically provided that the premium is received by Chubb.

How to Make a Claim

Submitting claims

You can call DBS Chubb Insurance Service Hotline at (852) 3191 6618 (Monday to Friday, 9am to 6pm, excluding public holidays) or email to [email protected] for any enquiries on how to submit a claim.

Processing duration

Upon receiving your claim and all supporting documentation, we will begin assessing your claim, which will take 5-7 business days. Once your claim is accepted, you will be reimbursed via cheque or bank transfer within the following 5-7 business days.