Product Highlights

Main Coverage

The SCB Home Insurance Plan is a tailor-made insurance package product for house owners or householders, protecting their legal liability and that of their family members residing with them against bodily injury or property damage to a third party. The package also provides protection to Home Contents such as furniture and decorations and personal effects. The insured can also enjoy emergency assistance services. The following table shows the items protected:

Proposer  Home Building Structure  Legal Liability to third parties Home Contents - Furniture & Decorations  Worldwide Personal Effects Owner Tenant

Legal Liability to third parties

• The policy protects the Insured and his/her family members against their legal liability as owner or tenants of the premises for property damage or bodily injury to third parties including legal costs. For example, if a window frame of the premises falls and causes bodily injury to a pedestrian, the plan will provide an indemnity up to HK$5,000,000 to protect the Insured against such liability.

Home Contents Protection

• The policy protects the Home Contents against loss/damage by accidents such as loss of or damage to the furniture & decorations by fire, flooding, burglary, etc. The limit of indemnity is HK$1,000,000.

Worldwide Personal Effects Protection

• Loss of or damage to Personal Effects by accidents when the insured is traveling abroad
• Loss of money due to Burglary at Home or when the insured is traveling overseas
• Free of charge Personal Accident cover of HK$200,000

Extra Protections

• HK$1,000,000 protection to Home Contents during removal at no additional charge
• HK$50,000 allowance for Temporary Alternative Home Accommodation at no additional charge if the Home is uninhabitable due to accident

24-hour Home Emergency Hotline Assistance

• Emergency licensed electrician, plumber & locksmith assistance
• Free of charge referral assistance including doctor’s visit, household cleaning and pest control.