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Special offers for Hutchison Telecom customers

Breezy Home Insurance Plan (Landlord Insurance)

20% off
1st Year Premium

Empower you to select the best-fit protections to safeguard your beloved home.

We also offer a landlord insurance plan which includes coverage for loss of rent. Click here to learn more.

Get a Quote now

Apply now with promo code "HOME20OFF" to enjoy 20% first-year premium discount. Offer ends on May 29, 2025. Тerms and Conditions apply.

Why should you choose this plan?

Sustainability driven

Provides recycle referral service

Value for money

Gives you tailored protection inside and outside your property at an affordable price

Empowering and transparent

Allows you to choose the protection you need flexibly

Attentive to your needs

Offers helping hands in various situations, including cashless emergency home assistance

 

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Multiple protections for you and your property

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Home coverage

  • Covers the cost of replacing or repairing your home contents, such as furniture, fixtures, interior decorations and household goods owned by you, due to accidental damage
  • Legal liability coverage: gives you extra peace of mind for the legal liability to another person’s bodily injury or property damage
fiddling with home model

Tailored landlord protection 

  • When tenant has not paid the rent according to the terms and conditions of Tenancy Agreement, we will compensate you for the loss of rent for up to six months (max. HKD 20,000 per month)
A young couple moving

Support in various situations

  • Offers cashless emergency assistance services on electrical, plumbing, and locksmith*
  • Protects you and your property against emergency situations, saving your time and effort to handle tenants’ issues
A young couple is tidying up their new home

Elements of sustainability

  • Gives you extra peace of mind for the owner’s liability arising from using EV charger in your premises
  • Covers the damage to solar panel within the insured location#
  • Provides recycle referral service

Reasons why you'll love Breezy Home​

Support your sustainable lifestyle

Please refer to participation guide for completing form in OneZurich.
  • Covers the owner’s legal liability arises from using EV charger in your premises and damage of solar PV panels#
  • Recycle referral service
    • Click here assessing OneZurich to join Carbon Neutrality Campaign. Please refer to step-by-step guide for assessing the campaign page with terms and conditions here. Please refer to participation guide for completing form in OneZurich.

    Protect residential properties of various types

    Covers both multistorey residential buildings and detached houses.

    Make life easier for you

    • Provide emergency assistance services, which save your time and effort to handle the damage in the premises
    • Covers outstanding rent due from your tenant

    Optional coverage

    Optional building coverage to the building structure for your unique insurance needs.

    With clearly-listed and fixed excess

    Applies a standard excess on every claim, which is clear and predictable.

     

     

    Comparison of home protection

     

    Breezy Home

    Common features of other home insurance products in the market

    Special coverages

    ✓Outdoor properties

    		 Not common to cover outdoor property

    Emergency home assistance service

    Cashless onsite support for plumbing, electrical or locksmith assistance is available*

    Most products only provide referral service

    Claims submission

    eClaim is available without requiring an app.

    Usually submit via app/ email/ post/ fax

    Sustainability features

    ✓ Cover green equipment including solar PV panel and EV charger #

    ✓ Perform carbon offset for your household electricity consumption

    ✓ Renewal discount will be rewarded for your year-on-year household electricity saving

    Not common to have sustainability features

    Frequently asked questions (FAQ)

    Application
    Liability owed by landlords and householders can differ, as such, it is recommended that both the landlord and the householder should buy a home insurance plan respectively to maximize protection. For instance, if a passerby is injured by a falling window frame (or household items), the landlord may need to share the responsibility to pay for the treatment cost of the injured.
    Coverage
    Some of the examples are furniture, fixtures, fittings, household goods, with exclusions. Please refer to the Definitions of the policy wording for detailed definition.

    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 all-rounded home protection, you are recommended to add the building optional coverage.

    As the landlord of a property, you are accountable for certain liabilities. For example, if a leak originates from your property and affects the household downstairs, you may be expected to cover the damages incurred by the leakage, even though you are not the resident living there. Under such circumstances, our Breezy Home (Landlord Insurance) will provide you with extra peace of mind.
    Green Initiatives
    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 a renewal discount if there is a year-on-year electricity saving on the same household. Please click here for details.

    The insurance plan is underwritten by Zurich Insurance Company Ltd (a company incorporated in Switzerland with limited liability).

    The information contained herein is for reference only and does not constitute any part of the insurance contract. For full terms and conditions and exclusions, please refer to the policy document which shall prevail in case of inconsistency. In the event of any discrepancy between the English and Chinese versions, the English version shall prevail. Zurich Insurance Company Ltd reserves the right of final approval and decision on all matters.