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Zurich HomeChoice Insurance Plan (Householder Insurance)

This plan provides up to HKD 1,250,000 home contents coverage and up to HKD 10,000,000 legal liability protection.

We also offer a plan catered to landlord for coverage on loss of rent. Click here to learn more.

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HomeChoice Insurance Plan protects you beyond home

Whether you own or rent the house, HomeChoice Insurance Plan provides you with the protection of legal liability and home contents. We are here to provide you and your family with extended home protection, from essential to lifestyle care.

 

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Core home protection

Up to HKD 1,250,000 home contents coverage including personal belongings and valuables in the house - unlimited number of claims subject to the annual coverage limit!

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Out-of-home protection

Your smart devices1 are protected in the form of repair cost reimbursement, with up to HKD 2,500 per phone and HKD 5,000 per laptop/tablet computer2. Add-on coverage is available to cover your personal possessions worldwide3 such as your watches.

Other Plan Benefits & Services

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Up to HKD 10,000,000 legal liability protection

    Accidental fire or water pipe leakage that damages public facilities are covered subject to the annual coverage limit
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Extended benefits of worldwide protection

Unauthorized use of credit cards, loss of money and replacement of personal documents are covered worldwide

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Options to DIY your home protection

You can customize the sum insured based on your own needs4 and add optional benefits to cover damage to building, worldwide personal possessions and personal fine art collection.
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Extended benefits to offer you peace of mind

Cover expenses for alternative accommodation for your family, pets, and meal allowance5
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24-hour emergency home assistance service

Hassle-free cashless approach for plumbing, electrical or locksmith assistance6
24-Hour Emergency Home Assistance Service Hotline: 852 28863977
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Simple and easy eClaims

Submit your claims through the eClaim portal and check the claims status instantly through our Claims Virtual Assistant

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Support green initiative

Cover emerging green risks of Solar PV system, provide liability cover arising from Solar PV system and Electric vehicle (EV) charging facilities, provide recycling referral service to encourage green lifestyle, reward you with additional benefit for adopting green lifestyle

1 Smart device shall mean Electronic Communication Products (include smartphones and earphones) / laptops and tablet computers

2 Maximum 2 reimbursements per policy year. The device must be repaired in one of the authorized repair centers of the respective manufacturer in Hong Kong. Zurich will grant maximum one (1) additional reimbursement as stated in above when You used the recycling service of home electric appliances, desktop computers, laptop computers or Electronic Communication Products by Zurich’s recognized or designated service provider in policy year.

3 Refer to Optional Coverage Section 6 – Worldwide Personal Possessions in the product brochure for more details.

4 Applicable to online enrollment only and you can select your preferred sum insured from the preset amount.

5 Maximum HKD 60,000 per accident subject to a daily limit of HKD 3,000 on alternative accommodation and HKD 600 on meal allowance.

6 Hassle-free cashless approach is applicable to designated area and hours only. Please refer to the product brochure for details.

General exclusions apply, and Zurich reserves the right of final decision on each claim. Please refer to the product brochure and policy wording for details.

Download our brochure now to find out more: 

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Interested in the HomeChoice Insurance Plan?

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Call (852) 2903 9391 if you have any product enquiry.

FAQs

Application

Yes, you are. HomeChoice 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 a home insurance for all-round 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 to take out a home insurance for their best interests.

 

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

Examples of home contents 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 Part I – Definitions of the policy wording for details of the definition and the exclusion of home contents.

Home contents refer to furniture, fixtures, household goods, personal effects, desktop computers, laptop computers, valuables, interior decorations, etc. which belong to you and/or a member of your household. Home structure, on the other hand, refers to walls, floors, pipes, etc. For detailed definitions, please refer to the policy wording.

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

Under the basic coverage of HomeChoice Insurance Plan (Householder Insurance), your personal belongings are covered when the lost or damage* happen in Hong Kong. If you would like to extend the coverage to outside Hong Kong, you will need to top up with the optional coverage - worldwide personal possessions.

*Provided that such loss in respect of theft or accidental loss/disappearance is reported to the local police within 24 hours of discovery.

HomeChoice covers not only accidents occurred at home, but also accidents occurred and third-party liability incurred outside home. For example, should your tablet computer be accidentally damaged at a café, the plan will cover the repair cost of your device*. Or in a situation where your pet accidentally cause 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.

* Maximum 2 reimbursements per policy year. The device must be repaired in one of the authorized repair centers of the respective manufacturer in Hong Kong. Zurich will grant maximum one (1) additional reimbursement as stated in above when You used the recycling service of home electric appliances, desktop computers, laptop computers or Electronic Communication Products by Zurich’s recognized or designated service provider in policy year.