Your home is the centre of your family life. It may cost you years to acquire its contents and your possessions. Anything from a typhoon to a fire, a burglary or simply a burst pipe can result in a considerable loss. This is why you have to get prepared and protect yourself before any misfortune happens to you. With PRUchoice Home, an all-in-one household insurance package, you can be sure that not only your assets are fully protected, but also other costly nuisances which may annoy you during troubled times.

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

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.

Advantages

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 Harmony Plan Premier Plan
Gross Floor Area (sq. ft.) Saleable Area (sq. ft.) Annual Premium (HK$)
500 or below 400 or below 650 830
501 - 600 401-480 750 1,020
601 - 700 481-560 850 1,200
701 - 800 561-640 950 1,320
801 - 900 641-720 1,050 1,450
901 - 1,000 721-800 1,150 1,590
1,001 - 1,100 801-880 1,250 1,680
1,101 - 1,200 881-960 1,350 1,770
1,201 - 1,300 961-1,040 - 1,860
1,301 - 1,400 1,041-1,120 - 1,940
1,401 - 1,500 1,121-1,200 - 2,020
1,501 - 2,000 1,201-1,600 - 2,340
2,001 - 2,500 1,601-2,000 - 2,700
Optional Cover Annual Premium (HK$)
Personal Effects Extra 1.7% of Sum Insured
Building Structure 0.07% of Sum Insured (0.09% on the sum insured for stand-alone application)
Home Appliance Warranty Service Please refer to the table below
Gross Floor Area (sq. ft.) Saleable Area (sq. ft.)
500 or below 400 or below 409
501 - 600 401-480 499
601 - 700 481-560 589
701 - 800 561-640 654
801 - 900 641-720 719
901 - 1,000 721-800 784
1,001 - 1,100 801-880 825
1,101 - 1,200 881-960 865
1,201 - 1,300 961-1,040 908
1,301 - 1,400 1,041-1,120 948
1,401 - 1,500 1,121-1,200 987
1,501 - 2,000 1,201-1,600 1,151
2,001 - 2,500 1,601-2,000 1,312

For any termination of or adjustment in this Policy the Company will retain the minimum premium which is HK$400 for each Policy.

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 the Sections of Third Party Legal Liability, Family Personal Accident and Employees' Compensation of Overseas Domestic Helper. For other sections except Building Structure, there is an excess of HK$250 for each and every loss. Excess for water damage is HK$250, or 10% of the adjusted loss, whichever is greater.
  2. For damage to wall paint and/or wallpaper, each and every loss is subject to an excess of HK$1,000 or 10% of the adjusted loss, whichever is greater.
  3. 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.
 
  • For the Section of Household Contents of Basic Cover:
  1. Provision of original receipt(s) for interior decoration, fixtures and fittings shall be required for our claim consideration to prove such items(s) was/were carried out or installed by you as required.
  2. Item means an article, a pair or set of articles.
  3. Valuables include items such as platinum, gold, jewels, watches, furs, work of art, antiques, 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.

Product FAQ
Q: What is Property Owner's Legal Liability?
A: In short, Property Owner's Legal Liability is the legal liability of the Insured as a property owner of the insured premises (including any interior decoration, fixtures and fittings that are regarded as part of the building) in respect of third party bodily injury and/or property damage. One example of Property Owner's Legal Liability is the bodily injury of passers-by by a falling brick from the external wall of the insured premises.
   
Q: Is Property Owner's Legal Liability covered under PRUchoice Home?
A: Yes, it is an extension cover under Third Party Legal Liability Section of PRUchoice Home. In fact, if the building is not occupied by insured, he/she can select the Section of Building Structure without insuring the basic cover at the premium rate of 0.14%, the extension of Property Owner's Legal Liability will also be offered free of charge.
   
Q: Under the Section of Third Party Legal Liability, is it covered for the damage to the Insured's neighbors due to water leakage from his/her insured premise?
A: This Section covers the Insured and his/her family members' legal liability as an occupier and user of the insured premise in his/her personal capacity. If the leakage is caused by the fact that the Insured and his/her family members, as an occupier of the insured premise, have forgotten to turn off the water tap; or that water is leaked from the bath tub installed by the Insured who is considered as the occupier of the insured premise, the leakage will be covered under this Section (subject to the fact that there is negligence on the part of the Insured.)

In this Section, it also extends to cover the Insured’s legal liability as a property owner of the insured premises for an accident at home or in the common area of the building. Therefore, if the bath tub mentioned above belongs to the property owner of the insured premise or has already been installed in the premise when the premise is purchased, the liability incurred will be covered in the extension of Property Owner's Legal Liability when the Insured is as a property owner.
   
Q: In calculating the gross floor area of the insured premise, shall we take into account of the garden size or balcony of the insured premise?
A: Although both the garden and the properties placed on the balconies are not covered, we would take into account of the size of the balcony in calculating the gross floor area of the insured premise. In fact, gross floor area is hereby used as an indicator of the wealth of the Insured and thus the value at risk.
   
Q: Does PRUchoice Home cover pipe bursting?
A: Yes. Any damage to Household Contents caused by bursting of pipe is covered. However, the repairing cost of the pipes itself and related decoration expenses are not insured since 'pipe' is an excluded property under the definition of Household Contents. In fact, most of the pipe bursting cases are due to wear and tear, and lack of maintenance. It is not the intention of insurance to cover this kind of loss.

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.