To ensure the enjoyment of quality life, most of us would choose a dream home in a sought-after area and fill it with superbly crafted stylish furniture, state-of-the-art appliances and valuable collections. Such dwellings can only truly be perfect when protected with comprehensive insurance cover. Prudential is proud to offer you and your loved ones a total peace of mind home protection, PRUchoice Home Deluxe.

This product is underwritten by Prudential General Insurance Hong Kong Limited ("PGHK"). The copyrights of the contents of this webpage are owned by PGHK.

Note: The details listed are for reference only and does not constitute any contract or any part thereof between Prudential General Insurance Hong Kong Limited and any other parties. Regarding other details and the terms and conditions of this insurance, please refer to the policy document. Prudential General Insurance Hong Kong Limited will be happy to provide a specimen of the policy document upon your request.

 

Features

Shield your cherished possessions
PRUchoice Home Deluxe protects your household contents and collections comprehensively from your refined interior design motifs, lifestyle furniture, cherished family collections such as jewellery and fine artworks to even designer handbags, furs and liquor. For discerning individuals like you, there is no more perfect fit insurance package that can provide such an all round coverage.

Protect your personal effects globally
Personal effects that are carried with you in everyday life may still have the chance to be accidentally lost or damaged. PRUchoice Home Deluxe understands your needs and prepares a worldwide personal effects protection for you. Coverage shall extend to cover accidental damage to mobile phone, the replacement cost of personal documents, the accidental loss of or damage to the newly purchased property in transit.

Offer extra protection for your collections or personal effects
Being collections or personal effects, they must be your treasure possessions. The limits in basic cover may not be able to provide a sufficient indemnity to these possessions. PRUchoice Home Deluxe hence offers you and your family members Collections Extra Cover and Personal Effects Extra Cover which allows you to increase the cover limit so as to obtain adequate protection.

Legal Liability Protection
No matter whether you are a property owner, a tenant, an occupier of the premises or a pet owner, PRUchoice Home Deluxe offers both you and your family members for the third party legal liability, including the legal cost, in respect of third party bodily injury or property damage arising out of negligence.

Home Assistance Services
Accidents can happen at any time! For this reason, we offer you a worry-free 24/7 Assistance Hotline with handy referral services for locksmiths, plumbers, electricians, dentists, babysitters, nurses, professional cleaners and exterminators. We shall additionally offer an annual protection for the cost of locksmith, plumbing and electrical assistance services that we refer to you.

This product is underwritten by Prudential General Insurance Hong Kong Limited ("PGHK"). The copyrights of the contents of this webpage are owned by PGHK.

This document is for Hong Kong distribution only. It is not an offer to sell or solicitation to buy or provision of any insurance product outside Hong Kong. PGHK does not offer or sell any insurance product in any jurisdictions outside Hong Kong in which such offering or sale of the insurance product is illegal under the laws of such jurisdictions.

Premium
Basic Cover
Annual Premium (HK$)
1. Household Contents and Collections Cover  
Gross Floor Area (sq.ft.)  
901 – 1,300
11,500
1,301 - 1,800
12,500
1,801 - 2,500
13,500
2,501 – 3,500
14,500
3,501 – 4,500
15,500
2. Personal Effects Worldwide Cover Free
3. Personal Money or Unauthorized Use of Credit Card Worldwide Cover Free
4. Third Party Legal Liability Cover Free
5. New Home Transition Period Protection Free
Optional Cover  
6. Collections Extra Cover At The Insured Premises Premium rate varies based on the nature of the items to be insured. It should be offered when we receive your application
7. Personal Effects Extra Cover
8. Building Structure "All Risks" Cover 0.09% on the sum insured
(0.11% if you would like to insure Building Structure "All Risks" Cover)
(0.16% on the sum insured if not occupied by you)

Insured Premises with gross floor area 4,501 sq.ft. or above is subject to the Company's special underwriting consideration.

This product is underwritten by Prudential General Insurance Hong Kong Limited ("PGHK"). The copyrights of the contents of this webpage are owned by PGHK.

This document is for Hong Kong distribution only. It is not an offer to sell or solicitation to buy or provision of any insurance product outside Hong Kong. PGHK does not offer or sell any insurance product in any jurisdictions outside Hong Kong in which such offering or sale of the insurance product is illegal under the laws of such jurisdictions.

Remarks
  • The insured premise should be solely occupied by the Insured and his/her family members/ cohabitants (as declared), should be under his/her control, should not be left unoccupied for more than sixty days each year, and should be built of brick, stone and concrete and roofed with concrete, and should be in good state of repair.
  • The excess applied to this Policy:
    1. No excess is applied to Sections of Third Party Legal Liability and Home assistance services. For other Sections except Building Structure" All Risks" Cover, there is an excess of HK$1,000 for each and every loss. Excess for water damage is HK$2,000 or 10% of the adjusted loss whichever is greater in respect of each and every loss.
    2. Excess of HK$3,000 is required for each and every loss other than that caused by fire or explosion under the Section of Building Structure " All Risks" Cover.
  • For the Section of Household Contents and Collections Cover
    1. Item means an article, a pair or set of articles.
    2. Valuables include items such as platinum, gold, jewellery watches, photographic equipment and the like.

This product is underwritten by Prudential General Insurance Hong Kong Limited ("PGHK"). The copyrights of the contents of this webpage are owned by PGHK.

This document is for Hong Kong distribution only. It is not an offer to sell or solicitation to buy or provision of any insurance product outside Hong Kong. PGHK does not offer or sell any insurance product in any jurisdictions outside Hong Kong in which such offering or sale of the insurance product is illegal under the laws of such jurisdictions.

Important Notes to Applicant
  1. Disclosure - The applicant is requested to disclose any other facts known to the applicant which are likely to affect acceptance or assessment of the insurance cover the applicant is applying for. Should the applicant have any doubts about what should be disclosed, please feel free to contact us or your financial consultant / broker. The applicant is recommended to keep a record (including copies of letters) of any additional information given for the applicant's future reference. Failure to disclose may mean that the Policy will not provide with the cover the applicant require, or perhaps may invalidate the Policy altogether.
  2. A specimen copy of the Policy and a copy of your completed Application Form will be supplied on request.
  3. All benefits and exclusions are only briefly outlined here. For further details, please refer to the Policy.
  4. The application form must be signed by a person who has attained age 18 or above.

This product is underwritten by Prudential General Insurance Hong Kong Limited ("PGHK"). The copyrights of the contents of this webpage are owned by PGHK.

This document is for Hong Kong distribution only. It is not an offer to sell or solicitation to buy or provision of any insurance product outside Hong Kong. PGHK does not offer or sell any insurance product in any jurisdictions outside Hong Kong in which such offering or sale of the insurance product is illegal under the laws of such jurisdictions.