Yes, you are. Breezy Home Insurance Plan (Householder Insurance) provides protection to the householders and their household members on home contents and legal liability even when the householders do not own the property.

Liability owed by landlords and householders can differ. As a householder, you need to take out home insurance for home contents protection and other extended coverage such as personal possessions; whereas for landlords, the core protection will lie within legal liability and loss of rent compensation.

Therefore, we recommend both landlords and householders take out a home insurance for their best interests.

Liability owned by landlords and householders can differ. You are recommended to acquire Breezy Home Insurance Plan (Landlord Insurance) for more suited coverage on legal liability, loss of rent, and optional coverage on rebuilding costs. Click here for details.

Some of the examples are furniture, fixtures, fittings, household goods, laptop computers^# , etc. which belong to you and/or a member of the household with exclusions. Please refer to the Definitions of the policy wording for details of the definition and the exclusion of home contents.

Home contents refer to:

Indoor home coverage

1. Fixtures, fittings, furniture, household goods;
2. Personal effects, valuables, money, collection (stamps, coins, or medals);
3. Laptop computers, tablet computers, electronic communication products^#

Outdoor home coverage

• Furniture, washing machine and refrigerator whilst contained in or on verandahs, balcony, patios, terraces, forecourts and in the open generally

Building structure refers to block of residential structure where the household is situated at and including the following if they form part of the household:

• Professionally designed, built and installed Solar PV System or EV charger
• Walls, gates and fences
• Drives, paths, patios, terraces, domestic greenhouses, swimming pool, rooftop, roof floor, storage units, garage, or car parking spaces
• Hidden fixtures limited to the drains, pipes, cables and wires

For detailed definitions, please refer to the policy wording.

Under Breezy Home’s basic coverage, it provides protection on home contents. For more all-rounded home protection, you are recommended to add the building optional coverage.

Under the basic coverage of Breezy Home Insurance Plan (Householder Insurance), the home content protection limit is fixed according to the area of the insured household. The optional top-up home content protection offers an option when you feel you need extra coverage on top of the basic home content protection limit to make the coverage up to HKD 3,250,000.

Breezy Home not only covers accidents that occur at your home, but also outside your home with third-party liability protection. For example, if your pet accidentally causes damage to your neighbor’s home contents, the plan will cover your compensation expenses under legal liability coverage with up to HKD 10,000,000.

We will grant a maximum of one (1) additional reimbursement on top of the 2 reimbursements for electronic communication products when you used the recycling service of home electric appliances, desktop computers, laptop computers or electronic communication products by our recognized or designated service provider in a policy year.

You may login to OneZurich to complete the Carbon Neutrality Campaign enrollment form to join this campaign for free. We will help to neutralize the carbon emissions from your household electricity consumption in the previous year, and award you with a certification of appreciation. For details, please click here.

Simply login to OneZurich to complete the Carbon Neutrality Campaign enrollment form, Zurich will reward the policyholder with renewal discount if there is a year-on-year electricity saving on the same household. Please click here for details.

Excess/deductible

1. Section 1：For each and every loss from: 1) HKD1,000 for water damage, typhoon, windstorm or landslip and subsidence 2) HKD500 for others
2. Section 2：HKD1,000 for each and every loss
3. Section 6：For each and every loss from: 1) HKD1,000 for water damage, typhoon, windstorm or landslip and subsidence 2) HKD500 for others
4. Section 7：For each and every loss: HKD500 for all items

Remarks

^a Maximum 2 claims per year, additional 1 claim for using our recycling services.
^b Includes furniture, washing machine and refrigerator whilst contained in or on verandahs, balcony, patios, terraces, forecourts, rooftop, or roof floor and in the open generally
^c Limited to standard hour and standard area.
^d Maximum 2 aggregate limit of claims per year, on top of Home content protection.

Subject to amounts shown in policy documents

1. “2025 Home Insurance Premium Discount Promotion” (“Promotion”) is provided by Zurich Insurance Company Ltd (a company incorporated in Switzerland with limited liability) (“Zurich”).
2. This Promotion is only applicable to selected Insurance Plan: Breezy Home Insurance Plan (Householder Insurance) and Breezy Home Insurance Plan (Landlord Insurance).
3. Customers who apply for the above Insurance Plan(s) through Zurich website with designated promo codes (“Promo code”) from January 27, 2025 to February 27, 2025 (“Promotion Period”) with the policy successfully issued by Zurich and effective on or before February 27, 2025, will be eligible to enjoy 20% first-year premium discount.
4. Promo code is subject to a limited quota and is available on a first-come-first-served basis.
5. If the customer is also entitled to other prevailing promotional offer(s) in respect of the same policy(ies), Zurich reserves the right to provide only one of such offers to the customer, at Zurich’s sole discretion.
6. The date and time appearing in the records of Zurich shall be conclusive as to the date and time relevant to the Promotion Period. Zurich shall not be responsible for any interruption, delay, loss, error or unrecognized information in relation to the application process due to technical problems including any computer or network problems.
7. Zurich reserves the right to alter or terminate the Promotion (in whole or in part) or amend the Promotion Terms and Conditions at any time without prior notice.
8. In case of any disputes of the Promotion, the decision of Zurich shall be final and conclusive.
9. The Promotion discount is non-exchangeable for other gifts, non-redeemable for cash, and no change will be given.
10. In the event of any inconsistency between the Chinese and English versions of these terms and conditions, the English version shall prevail.

^#Only applicable to Comprehensive plan.

^*Only applicable to Comprehensive plan with optional Building coverage.

^{^}The cashless approach is limited to standard hour and standard area.