Home Content Insurance | ResidenceSurance HSBC HK

Protect your home and everything in it

A home is more than just a house. Whether you're a homeowner, landlord or tenant, enjoy peace of mind with our ResidenceSurance, designed to protect your home and the cherished items in it.

Apply online for HSBC residencesurance This link will open in a new window

Key benefits

Your home and belongings covered

Personal liability also covered

Personal liability for you and your family of up to HKD20 million

Worldwide coverage for belongings

Worldwide protection for your belongings, even when you take them outside the home or on your travels, of up to HKD30,000 (Plan 1, 2, 3 and 4 only)

Get new for old

New for old—replace damaged or lost items with a new one of similar value before depreciation

Limited-time offers

Online application offers:

20% off first-year and 15% off second-year premiums: Apply online by 31 December 2024
HKD100 Wellcome supermarket voucher: Apply online between 2 September and 31 December 2024 (both dates inclusive) using designated promo code from the latest version of PayMe app

Plus, between 1 July and 30 November 2024 (both days inclusive), existing customers and successful applicants can enjoy the following at no extra charge:

Extra 50% sum insured for household contents and personal liability for loss or personal liability caused by fire or typhoon, under Plans 1-4
Extra 3 months' protection for loss of rent under Plans A-B

T&C apply.

Choose the coverage you need to protect your home

Owner (non-renting out) / Occupier / Tenant

Rest easy knowing that your home contents are protected 24/7, no matter where you are

You may be surprised by how much your home contents are actually worth! Valuable items such as your laptop, game consoles, luxury bags and watches will be covered by home insurance in the event that something happens to them.

And as a tenant, you may be liable for any damage done to your landlord's possessions—especially any fixtures and fittings, which can be relatively expensive.

So it's smart to protect yourself before it becomes a high financial and emotional cost. After all, with a premium of as low as HKD576 for the first-year policy, you could insure your home contents for up to HKD300,000 and your personal liability for up to HKD10 million.

Maximum amount per claim
Maximum amount per claim (HKD)	Plan 1	Plan 2	Plan 3	Plan 4
Household contents	300,000	600,000	1,200,000	2,000,000
Personal liability	10,000,000	20,000,000	20,000,000	20,000,000
Worldwide 'All Risks'	3,000 (1,500 per item)	5,000 (2,500 per item)	20,000 (8,000 per item)	30,000 (10,000 per item)
Alternative accommodation	15,000 (500 per day)	30,000 (1,000 per day)	45,000 (1,500 per day)	60,000 (2,000 per day)
Domestic helper (optional)	100,000,000 per event	100,000,000 per event	100,000,000 per event	100,000,000 per event
Top-up Worldwide 'All Risks' (optional)	Not Covered	Not Covered	Option 1:100,000 Option 2:300,000 Option 3:500,000	Option 1:100,000 Option 2:300,000 Option 3:500,000
First year annual premium illustration for floor area <= 375 sq ft after discount	576	760	1,216	1,744

Maximum amount per claim
Maximum amount per claim (HKD)	Household contents
Plan 1	300,000
Plan 2	600,000
Plan 3	1,200,000
Plan 4	2,000,000

Maximum amount per claim (HKD)	Personal liability
Plan 1	10,000,000
Plan 2	20,000,000
Plan 3	20,000,000
Plan 4	20,000,000

Maximum amount per claim (HKD)	Worldwide 'All Risks'
Plan 1	3,000 (1,500 per item)
Plan 2	5,000 (2,500 per item)
Plan 3	20,000 (8,000 per item)
Plan 4	30,000 (10,000 per item)

Maximum amount per claim (HKD)	Alternative accommodation
Plan 1	15,000 (500 per day)
Plan 2	30,000 (1,000 per day)
Plan 3	45,000 (1,500 per day)
Plan 4	60,000 (2,000 per day)

Maximum amount per claim (HKD)	Domestic helper (optional)
Plan 1	100,000,000 per event
Plan 2	100,000,000 per event
Plan 3	100,000,000 per event
Plan 4	100,000,000 per event

Maximum amount per claim (HKD)	Top-up Worldwide 'All Risks' (optional)
Plan 1	Not Covered
Plan 2	Not Covered
Plan 3	Option 1:100,000 Option 2:300,000 Option 3:500,000
Plan 4	Option 1:100,000 Option 2:300,000 Option 3:500,000

Maximum amount per claim (HKD)	First year annual premium illustration for floor area <= 375 sq ft after discount
Plan 1	576
Plan 2	760
Plan 3	1,216
Plan 4	1,744

Sum insured table (HKD) – Owner (non-renting out) / Occupier / Tenant
Benefits	Plan 1 Sum insured (ie maximum limit of indemnity) (HKD)	Plan 2 Sum insured (ie maximum limit of indemnity) (HKD)	Plan 3 Sum insured (ie maximum limit of indemnity) (HKD)	Plan 4 Sum insured (ie maximum limit of indemnity) (HKD)
Section 1 – Household contents	300,000	600,000	1,200,000	2,000,000
Household contents (including fixtures and fittings installed by you or your family member)	300,000 (30,000 / item)	600,000 (60,000 / item)	1,200,000 (120,000 / item)	2,000,000 (200,000 / item)
Sub-limit to household contents fixtures and fittings installed by the property developer and previous property owner	Not covered	300,000 (30,000 / item)	600,000 (60,000 / item)	1,000,000 (100,000 / item)
Valuables	10,000 (2,500 / item)	150,000 (5,000 / item)	300,000 (10,000 / item)	500,000 (20,000 / item)
Landlord’s fixtures and fittings (if you or your family member is a tenant of the home)	300,000 (30,000 / item)	600,000 (60,000 / item)	1,200,000 (120,000 / item)	2,000,000 (200,000 / item)
Additional cover – 1.1 Contents away from the home	25,000 (5,000 / item)	600,000 (60,000 / item)	1,200,000 (120,000 / item)	2,000,000 (200,000 / item)
1.2 Alternative accommodation 1.2.1 Due to accidental loss of and damage to the household contents; OR	15,000 (500 / day)	30,000 (1,000 / day)	45,000 (1,500 / day)	60,000 (2,000 / day)
1.2.2 Due to suspension of electricity or water supply for 24 consecutive hours as a result of typhoon signal no. 8 or above or black rainstorm; OR 1.2.3 Due to inaccessibility to your home for 24 consecutive hours as a result of the events beyond your reasonable control Limit for 1.2.2 and 1.2.3 are up to 5 days per policy year respectively for 24 consecutive hours as a result of typhoon signal no. 8 or above or black rainstorm;	2,500 (500 / day)	5,000 (1,000 / day)	7,500 (1,500 / day)	10,000 (2,000 / day)
1.3 Frozen foods spoilage	2,500	2,500	2,500	2,500
1.4 Household removal Household contents	300,000 (30,000 / item)	600,000 (60,000 / item)	1,200,000 (120,000 / item)	2,000,000 (200,000 / item)
Valuables	10,000 (2,5000 / item)	150,000 (5,000 / item)	300,000 (10,000 / item)	500,000 (20,000 / item)
1.5 Locks and keys	300,000 (30,000 / item)	600,000 (60,000 / item)	1,200,000 (120,000 / item)	2,000,000 (200,000 / item)
1.6 Storage of furniture (for up to a maximum of 30 days per event)	300,000 (30,000 / item)	600,000 (60,000 / item)	1,200,000 (120,000 / item)	2,000,000 (200,000 / item)
1.7 Accidental damage or loss from interior decoration or refurbishment work	Not covered	100,000(10,000 / item) max. 4 months	150,000(15,000 / item) max. 4 months	200,000(20,000 / item) max. 4 months
1.8 New home – household contents	100,000 (10,000 / item)	600,000(60,000 / item)	1,200,000(120,000 / item)	2,000,000(200,000 / item)
Valuables	2,500 (2,500 / item)	150,000(5,000 / item)	300,000(10,000 / item)	500,000(20,000 / item)
1.9 Removal of debris	10,000	600,000 (60,000 / item)	1,200,000 (120,000 / item)	2,000,000 (200,000 / item)
1.10 24-hour emergency inspection service (plumber, electrician, locksmith)	1,000 / year	2,000 / year	2,000 / year	2,000 / year
1.11 24-hour home assistance services	Free (no limit)	Free (no limit)	Free (no limit)	Free (no limit)
Section 2 – Worldwide ‘All Risks’ Loss or damage to personal effects, valuables and personal computers anywhere in the world	3,000 (1,500 / item)	5,000 (2,500 / item)	20,000 (8,000 / item)	30,000 (10,000 / item)
Additional cover 2.1 Money	1,000	1,000	3,000	3,000
2.2 Goods in transit	2,000	2,000	5,000	5,000
2.3 Personal documents	1,000	1,000	3,000	3,000
Section 3 – Personal liability	10,000,000	20,000,000	20,000,000	20,000,000
Section 4 – Loss of rent 4.1 Uninhabitable home as a result of accidental loss of and damage to household contents	Not covered	Not covered	Not covered	Not covered
4.2. Rental default cover when a tenant does not pay rent under the tenancy agreement within 1 month after the court judgment is obtained	Not covered	Not covered	Not covered	Not covered
Section 5 – Top-up Worldwide ‘All Risks’ (Optional) (This section is operative if so stated in the policy schedule)	Not covered	Not covered	Option 1 100,000 (30,000 / item) Option 2 300,000 (50,000/ item) Option 3 500,000 (80,000 / item)	Option 1 100,000 (30,000 / item) Option 2 300,000 (50,000/ item) Option 3 500,000 (80,000 / item)
Section 6 – Domestic helper (Optional) (This section is operative if so stated in the policy schedule) Liability under legislation	100,000,000 / event	100,000,000 / event	100,000,000 / event	100,000,000 / event
Additional cover – 6.1 Medical expenses	5,000	5,000	5,000	5,000
6.2.1 Cost of returning the remains	5,000	5,000	5,000	5,000
6.2.2 Cost of repatriation	5,000	5,000	5,000	5,000
6.3 Domestic helper’s personal effects	10,000	10,000	10,000	10,000

Sum insured table (HKD) – Owner (non-renting out) / Occupier / Tenant
Benefits	Section 1 – Household contents
Plan 1 Sum insured (ie maximum limit of indemnity) (HKD)	300,000
Plan 2 Sum insured (ie maximum limit of indemnity) (HKD)	600,000
Plan 3 Sum insured (ie maximum limit of indemnity) (HKD)	1,200,000
Plan 4 Sum insured (ie maximum limit of indemnity) (HKD)	2,000,000

Benefits	Household contents (including fixtures and fittings installed by you or your family member)
Plan 1 Sum insured (ie maximum limit of indemnity) (HKD)	300,000 (30,000 / item)
Plan 2 Sum insured (ie maximum limit of indemnity) (HKD)	600,000 (60,000 / item)
Plan 3 Sum insured (ie maximum limit of indemnity) (HKD)	1,200,000 (120,000 / item)
Plan 4 Sum insured (ie maximum limit of indemnity) (HKD)	2,000,000 (200,000 / item)

Benefits	Sub-limit to household contents fixtures and fittings installed by the property developer and previous property owner
Plan 1 Sum insured (ie maximum limit of indemnity) (HKD)	Not covered
Plan 2 Sum insured (ie maximum limit of indemnity) (HKD)	300,000 (30,000 / item)
Plan 3 Sum insured (ie maximum limit of indemnity) (HKD)	600,000 (60,000 / item)
Plan 4 Sum insured (ie maximum limit of indemnity) (HKD)	1,000,000 (100,000 / item)

Benefits	Valuables
Plan 1 Sum insured (ie maximum limit of indemnity) (HKD)	10,000 (2,500 / item)
Plan 2 Sum insured (ie maximum limit of indemnity) (HKD)	150,000 (5,000 / item)
Plan 3 Sum insured (ie maximum limit of indemnity) (HKD)	300,000 (10,000 / item)
Plan 4 Sum insured (ie maximum limit of indemnity) (HKD)	500,000 (20,000 / item)

Benefits	Landlord’s fixtures and fittings (if you or your family member is a tenant of the home)
Plan 1 Sum insured (ie maximum limit of indemnity) (HKD)	300,000 (30,000 / item)
Plan 2 Sum insured (ie maximum limit of indemnity) (HKD)	600,000 (60,000 / item)
Plan 3 Sum insured (ie maximum limit of indemnity) (HKD)	1,200,000 (120,000 / item)
Plan 4 Sum insured (ie maximum limit of indemnity) (HKD)	2,000,000 (200,000 / item)

Benefits	Additional cover – 1.1 Contents away from the home
Plan 1 Sum insured (ie maximum limit of indemnity) (HKD)	25,000 (5,000 / item)
Plan 2 Sum insured (ie maximum limit of indemnity) (HKD)	600,000 (60,000 / item)
Plan 3 Sum insured (ie maximum limit of indemnity) (HKD)	1,200,000 (120,000 / item)
Plan 4 Sum insured (ie maximum limit of indemnity) (HKD)	2,000,000 (200,000 / item)

Benefits	1.2 Alternative accommodation 1.2.1 Due to accidental loss of and damage to the household contents; OR
Plan 1 Sum insured (ie maximum limit of indemnity) (HKD)	15,000 (500 / day)
Plan 2 Sum insured (ie maximum limit of indemnity) (HKD)	30,000 (1,000 / day)
Plan 3 Sum insured (ie maximum limit of indemnity) (HKD)	45,000 (1,500 / day)
Plan 4 Sum insured (ie maximum limit of indemnity) (HKD)	60,000 (2,000 / day)

Benefits	1.2.2 Due to suspension of electricity or water supply for 24 consecutive hours as a result of typhoon signal no. 8 or above or black rainstorm; OR 1.2.3 Due to inaccessibility to your home for 24 consecutive hours as a result of the events beyond your reasonable control Limit for 1.2.2 and 1.2.3 are up to 5 days per policy year respectively for 24 consecutive hours as a result of typhoon signal no. 8 or above or black rainstorm;
Plan 1 Sum insured (ie maximum limit of indemnity) (HKD)	2,500 (500 / day)
Plan 2 Sum insured (ie maximum limit of indemnity) (HKD)	5,000 (1,000 / day)
Plan 3 Sum insured (ie maximum limit of indemnity) (HKD)	7,500 (1,500 / day)
Plan 4 Sum insured (ie maximum limit of indemnity) (HKD)	10,000 (2,000 / day)

Benefits	1.3 Frozen foods spoilage
Plan 1 Sum insured (ie maximum limit of indemnity) (HKD)	2,500
Plan 2 Sum insured (ie maximum limit of indemnity) (HKD)	2,500
Plan 3 Sum insured (ie maximum limit of indemnity) (HKD)	2,500
Plan 4 Sum insured (ie maximum limit of indemnity) (HKD)	2,500

Benefits	1.4 Household removal Household contents
Plan 1 Sum insured (ie maximum limit of indemnity) (HKD)	300,000 (30,000 / item)
Plan 2 Sum insured (ie maximum limit of indemnity) (HKD)	600,000 (60,000 / item)
Plan 3 Sum insured (ie maximum limit of indemnity) (HKD)	1,200,000 (120,000 / item)
Plan 4 Sum insured (ie maximum limit of indemnity) (HKD)	2,000,000 (200,000 / item)

Benefits	Valuables
Plan 1 Sum insured (ie maximum limit of indemnity) (HKD)	10,000 (2,5000 / item)
Plan 2 Sum insured (ie maximum limit of indemnity) (HKD)	150,000 (5,000 / item)
Plan 3 Sum insured (ie maximum limit of indemnity) (HKD)	300,000 (10,000 / item)
Plan 4 Sum insured (ie maximum limit of indemnity) (HKD)	500,000 (20,000 / item)

Benefits	1.5 Locks and keys
Plan 1 Sum insured (ie maximum limit of indemnity) (HKD)	300,000 (30,000 / item)
Plan 2 Sum insured (ie maximum limit of indemnity) (HKD)	600,000 (60,000 / item)
Plan 3 Sum insured (ie maximum limit of indemnity) (HKD)	1,200,000 (120,000 / item)
Plan 4 Sum insured (ie maximum limit of indemnity) (HKD)	2,000,000 (200,000 / item)

Benefits	1.6 Storage of furniture (for up to a maximum of 30 days per event)
Plan 1 Sum insured (ie maximum limit of indemnity) (HKD)	300,000 (30,000 / item)
Plan 2 Sum insured (ie maximum limit of indemnity) (HKD)	600,000 (60,000 / item)
Plan 3 Sum insured (ie maximum limit of indemnity) (HKD)	1,200,000 (120,000 / item)
Plan 4 Sum insured (ie maximum limit of indemnity) (HKD)	2,000,000 (200,000 / item)

Benefits	1.7 Accidental damage or loss from interior decoration or refurbishment work
Plan 1 Sum insured (ie maximum limit of indemnity) (HKD)	Not covered
Plan 2 Sum insured (ie maximum limit of indemnity) (HKD)	100,000(10,000 / item) max. 4 months
Plan 3 Sum insured (ie maximum limit of indemnity) (HKD)	150,000(15,000 / item) max. 4 months
Plan 4 Sum insured (ie maximum limit of indemnity) (HKD)	200,000(20,000 / item) max. 4 months

Benefits	1.8 New home – household contents
Plan 1 Sum insured (ie maximum limit of indemnity) (HKD)	100,000 (10,000 / item)
Plan 2 Sum insured (ie maximum limit of indemnity) (HKD)	600,000(60,000 / item)
Plan 3 Sum insured (ie maximum limit of indemnity) (HKD)	1,200,000(120,000 / item)
Plan 4 Sum insured (ie maximum limit of indemnity) (HKD)	2,000,000(200,000 / item)

Benefits	Valuables
Plan 1 Sum insured (ie maximum limit of indemnity) (HKD)	2,500 (2,500 / item)
Plan 2 Sum insured (ie maximum limit of indemnity) (HKD)	150,000(5,000 / item)
Plan 3 Sum insured (ie maximum limit of indemnity) (HKD)	300,000(10,000 / item)
Plan 4 Sum insured (ie maximum limit of indemnity) (HKD)	500,000(20,000 / item)

Benefits	1.9 Removal of debris
Plan 1 Sum insured (ie maximum limit of indemnity) (HKD)	10,000
Plan 2 Sum insured (ie maximum limit of indemnity) (HKD)	600,000 (60,000 / item)
Plan 3 Sum insured (ie maximum limit of indemnity) (HKD)	1,200,000 (120,000 / item)
Plan 4 Sum insured (ie maximum limit of indemnity) (HKD)	2,000,000 (200,000 / item)

Benefits	1.10 24-hour emergency inspection service (plumber, electrician, locksmith)
Plan 1 Sum insured (ie maximum limit of indemnity) (HKD)	1,000 / year
Plan 2 Sum insured (ie maximum limit of indemnity) (HKD)	2,000 / year
Plan 3 Sum insured (ie maximum limit of indemnity) (HKD)	2,000 / year
Plan 4 Sum insured (ie maximum limit of indemnity) (HKD)	2,000 / year

Benefits	1.11 24-hour home assistance services
Plan 1 Sum insured (ie maximum limit of indemnity) (HKD)	Free (no limit)
Plan 2 Sum insured (ie maximum limit of indemnity) (HKD)	Free (no limit)
Plan 3 Sum insured (ie maximum limit of indemnity) (HKD)	Free (no limit)
Plan 4 Sum insured (ie maximum limit of indemnity) (HKD)	Free (no limit)

Benefits	Section 2 – Worldwide ‘All Risks’ Loss or damage to personal effects, valuables and personal computers anywhere in the world
Plan 1 Sum insured (ie maximum limit of indemnity) (HKD)	3,000 (1,500 / item)
Plan 2 Sum insured (ie maximum limit of indemnity) (HKD)	5,000 (2,500 / item)
Plan 3 Sum insured (ie maximum limit of indemnity) (HKD)	20,000 (8,000 / item)
Plan 4 Sum insured (ie maximum limit of indemnity) (HKD)	30,000 (10,000 / item)

Benefits	Additional cover 2.1 Money
Plan 1 Sum insured (ie maximum limit of indemnity) (HKD)	1,000
Plan 2 Sum insured (ie maximum limit of indemnity) (HKD)	1,000
Plan 3 Sum insured (ie maximum limit of indemnity) (HKD)	3,000
Plan 4 Sum insured (ie maximum limit of indemnity) (HKD)	3,000

Benefits	2.2 Goods in transit
Plan 1 Sum insured (ie maximum limit of indemnity) (HKD)	2,000
Plan 2 Sum insured (ie maximum limit of indemnity) (HKD)	2,000
Plan 3 Sum insured (ie maximum limit of indemnity) (HKD)	5,000
Plan 4 Sum insured (ie maximum limit of indemnity) (HKD)	5,000

Benefits	2.3 Personal documents
Plan 1 Sum insured (ie maximum limit of indemnity) (HKD)	1,000
Plan 2 Sum insured (ie maximum limit of indemnity) (HKD)	1,000
Plan 3 Sum insured (ie maximum limit of indemnity) (HKD)	3,000
Plan 4 Sum insured (ie maximum limit of indemnity) (HKD)	3,000

Benefits	Section 3 – Personal liability
Plan 1 Sum insured (ie maximum limit of indemnity) (HKD)	10,000,000
Plan 2 Sum insured (ie maximum limit of indemnity) (HKD)	20,000,000
Plan 3 Sum insured (ie maximum limit of indemnity) (HKD)	20,000,000
Plan 4 Sum insured (ie maximum limit of indemnity) (HKD)	20,000,000

Benefits	Section 4 – Loss of rent 4.1 Uninhabitable home as a result of accidental loss of and damage to household contents
Plan 1 Sum insured (ie maximum limit of indemnity) (HKD)	Not covered
Plan 2 Sum insured (ie maximum limit of indemnity) (HKD)	Not covered
Plan 3 Sum insured (ie maximum limit of indemnity) (HKD)	Not covered
Plan 4 Sum insured (ie maximum limit of indemnity) (HKD)	Not covered

Benefits	4.2. Rental default cover when a tenant does not pay rent under the tenancy agreement within 1 month after the court judgment is obtained
Plan 1 Sum insured (ie maximum limit of indemnity) (HKD)	Not covered
Plan 2 Sum insured (ie maximum limit of indemnity) (HKD)	Not covered
Plan 3 Sum insured (ie maximum limit of indemnity) (HKD)	Not covered
Plan 4 Sum insured (ie maximum limit of indemnity) (HKD)	Not covered

Benefits	Section 5 – Top-up Worldwide ‘All Risks’ (Optional) (This section is operative if so stated in the policy schedule)
Plan 1 Sum insured (ie maximum limit of indemnity) (HKD)	Not covered
Plan 2 Sum insured (ie maximum limit of indemnity) (HKD)	Not covered
Plan 3 Sum insured (ie maximum limit of indemnity) (HKD)	Option 1 100,000 (30,000 / item) Option 2 300,000 (50,000/ item) Option 3 500,000 (80,000 / item)
Plan 4 Sum insured (ie maximum limit of indemnity) (HKD)	Option 1 100,000 (30,000 / item) Option 2 300,000 (50,000/ item) Option 3 500,000 (80,000 / item)

Benefits	Section 6 – Domestic helper (Optional) (This section is operative if so stated in the policy schedule) Liability under legislation
Plan 1 Sum insured (ie maximum limit of indemnity) (HKD)	100,000,000 / event
Plan 2 Sum insured (ie maximum limit of indemnity) (HKD)	100,000,000 / event
Plan 3 Sum insured (ie maximum limit of indemnity) (HKD)	100,000,000 / event
Plan 4 Sum insured (ie maximum limit of indemnity) (HKD)	100,000,000 / event

Benefits	Additional cover – 6.1 Medical expenses
Plan 1 Sum insured (ie maximum limit of indemnity) (HKD)	5,000
Plan 2 Sum insured (ie maximum limit of indemnity) (HKD)	5,000
Plan 3 Sum insured (ie maximum limit of indemnity) (HKD)	5,000
Plan 4 Sum insured (ie maximum limit of indemnity) (HKD)	5,000

Benefits	6.2.1 Cost of returning the remains
Plan 1 Sum insured (ie maximum limit of indemnity) (HKD)	5,000
Plan 2 Sum insured (ie maximum limit of indemnity) (HKD)	5,000
Plan 3 Sum insured (ie maximum limit of indemnity) (HKD)	5,000
Plan 4 Sum insured (ie maximum limit of indemnity) (HKD)	5,000

Benefits	6.2.2 Cost of repatriation
Plan 1 Sum insured (ie maximum limit of indemnity) (HKD)	5,000
Plan 2 Sum insured (ie maximum limit of indemnity) (HKD)	5,000
Plan 3 Sum insured (ie maximum limit of indemnity) (HKD)	5,000
Plan 4 Sum insured (ie maximum limit of indemnity) (HKD)	5,000

Benefits	6.3 Domestic helper’s personal effects
Plan 1 Sum insured (ie maximum limit of indemnity) (HKD)	10,000
Plan 2 Sum insured (ie maximum limit of indemnity) (HKD)	10,000
Plan 3 Sum insured (ie maximum limit of indemnity) (HKD)	10,000
Plan 4 Sum insured (ie maximum limit of indemnity) (HKD)	10,000

Landlord (renting out)

Enjoy hassle-free personal liability and protection against loss of rent from HKD448 per year

ResidenceSurance protects your rental income by providing coverage for loss of rent of up to HKD75,000 if the premises are uninhabitable because of accidental loss of or damage to household contents (not including valuables, personal computer and personal effects), or for rental default of up to HKD25,000 per month if your tenant does not pay the outstanding rent under the tenancy agreement within 1 month after a court judgment is obtained.

ResidenceSurance also covers the furniture, electrical appliances and the fixtures and fittings installed by you, the property developer or previous property owner in the rental unit. The liability coverage can protect you from liability due to bodily injury or property damage to third party arising from the rental property.

Maximum amount per claim
Maximum amount per claim (HKD)	Plan A	Plan B
Personal liability	20,000,000	20,000,000
Household contents	100,000	300,000
Loss of rent	45,000 (15,000 per month, up to 3 months)	75,000 (25,000 per month, up to 3 months)
24-hour home assistance service hotline	Free	Free
Annual premium illustration for floor area <= 375 sq ft after discount	HKD448	HKD576

Maximum amount per claim
Maximum amount per claim (HKD)	Personal liability
Plan A	20,000,000
Plan B	20,000,000

Maximum amount per claim (HKD)	Household contents
Plan A	100,000
Plan B	300,000

Maximum amount per claim (HKD)	Loss of rent
Plan A	45,000 (15,000 per month, up to 3 months)
Plan B	75,000 (25,000 per month, up to 3 months)

Maximum amount per claim (HKD)	24-hour home assistance service hotline
Plan A	Free
Plan B	Free

Maximum amount per claim (HKD)	Annual premium illustration for floor area <= 375 sq ft after discount
Plan A	HKD448
Plan B	HKD576

Sum insured table (HKD) - Landlord (renting out)
Benefits	Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD)
Section 1 – Household contents	100,000	300,000
Household contents (including fixtures and fittings installed by you or your family member)	100,000 (5,000 / item) This excludes personal computers and personal effects	300,000 (10,000 / item) This excludes personal computers and personal effects
Sub-limit to household contents fixtures and fittings installed by the property developer and previous property owner	100,000 (5,000 / item)	200,000 (10,000 / item)
Valuables	Not covered	Not covered
Landlord’s fixtures and fittings (if you or your family member is a tenant of the home)	Not covered	Not covered
Additional cover 1.1 Contents away from the home	100,000 (5,000 / item) This excludes personal computers and personal effects	300,000 (10,000 / item) This excludes personal computers and personal effects
1.2 Alternative accommodation 1.2.1 Due to accidental loss of and damage to the household contents; OR Not covered Not covered 1.2.2 Due to suspension of electricity or water supply for 24 consecutive hours as a result of typhoon signal no. 8 or above or black rainstorm; OR 1.2.3 Due to inaccessibility to your home for 24 consecutive hours as a result of the events beyond your reasonable control Limit for 1.2.2 and 1.2.3 are up to 5 days per policy year respectively for 24 consecutive hours as a result of typhoon signal no. 8 or above or black rainstorm;	Not covered	Not covered
1.3 Frozen foods spoilage	Not covered	Not covered
1.4 Household removal Household contents	100,000 (5,000 / item) This excludes personal computers and personal effects	300,000 (10,000 / item) This excludes personal computers and personal effects
Valuables	Not covered	Not covered
1.5 Locks and keys	100,000 (5,000 / item)	300,000 (10,000 / item)
1.6 Storage of furniture (for up to a maximum of 30 days per event)	100,000 (5,000 / item) This excludes personal computers and personal effects	300,000 (10,000 / item) This excludes personal computers and personal effects
1.7 Accidental damage or loss from interior decoration or refurbishment work	100,000 (10,000 / item) max. 4 months	150,000 (15,000 / item) max. 4 months
1.8 New home – household contents	Not covered	Not covered
Valuables	Not covered	Not covered
1.9 Removal of debris	100,000 (5,000 / item) This excludes personal computers and personal effects	300,000 (10,000 / item) This excludes personal computers and personal effects
1.10 24-hour emergency inspection service (plumber, electrician, locksmith)	2,000 / year	2,000 / year
1.11 24-hour home assistance services	Free (no limit)	Free (no limit)
Section 2 – Worldwide ‘All Risks’ Loss or damage to personal effects, valuables and desktop/ laptop/tablet computer anywhere in the world	Not covered	Not covered
Additional cover – 2.1 Money	Not covered	Not covered
2.2 Goods in transit	Not covered	Not covered
2.3 Personal documents	Not covered	Not covered
Section 3 – Personal liability	20,000,000	20,000,000
Section 4 – Loss of rent 4.1 Uninhabitable home as a result of accidental loss of and damage to household contents	45,000 (15,000/month, up to 3 months)	75,000 (25,000/month, up to 3 months)
4.2. Rental default Cover when a tenant does not pay rent under the tenancy agreement within 1 month after the court judgment is obtained	25,000	25,000
Section 5 – Top-up Worldwide ‘All Risks’ (Optional) (This section is operative if so stated in the policy schedule)	Not covered	Not covered
Section 6 – Domestic Helper (Optional) (This section is operative if so stated in the policy schedule) Liability under legislation	Not covered	Not covered
Additional cover – 6.1 Medical expenses	Not covered	Not covered
6.2.1 Cost of returning the remains	Not covered	Not covered
6.2.2 Cost of repatriation	Not covered	Not covered
6.3 Domestic helper’s personal effects	Not covered	Not covered

Sum insured table (HKD) - Landlord (renting out)
Benefits	Section 1 – Household contents
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	100,000
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	300,000

Benefits	Household contents (including fixtures and fittings installed by you or your family member)
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	100,000 (5,000 / item) This excludes personal computers and personal effects
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	300,000 (10,000 / item) This excludes personal computers and personal effects

Benefits	Sub-limit to household contents fixtures and fittings installed by the property developer and previous property owner
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	100,000 (5,000 / item)
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	200,000 (10,000 / item)

Benefits	Valuables
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	Not covered
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	Not covered

Benefits	Landlord’s fixtures and fittings (if you or your family member is a tenant of the home)
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	Not covered
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	Not covered

Benefits	Additional cover 1.1 Contents away from the home
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	100,000 (5,000 / item) This excludes personal computers and personal effects
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	300,000 (10,000 / item) This excludes personal computers and personal effects

Benefits	1.2 Alternative accommodation 1.2.1 Due to accidental loss of and damage to the household contents; OR Not covered Not covered 1.2.2 Due to suspension of electricity or water supply for 24 consecutive hours as a result of typhoon signal no. 8 or above or black rainstorm; OR 1.2.3 Due to inaccessibility to your home for 24 consecutive hours as a result of the events beyond your reasonable control Limit for 1.2.2 and 1.2.3 are up to 5 days per policy year respectively for 24 consecutive hours as a result of typhoon signal no. 8 or above or black rainstorm;
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	Not covered
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	Not covered

Benefits	1.3 Frozen foods spoilage
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	Not covered
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	Not covered

Benefits	1.4 Household removal Household contents
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	100,000 (5,000 / item) This excludes personal computers and personal effects
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	300,000 (10,000 / item) This excludes personal computers and personal effects

Benefits	Valuables
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	Not covered
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	Not covered

Benefits	1.5 Locks and keys
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	100,000 (5,000 / item)
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	300,000 (10,000 / item)

Benefits	1.6 Storage of furniture (for up to a maximum of 30 days per event)
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	100,000 (5,000 / item) This excludes personal computers and personal effects
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	300,000 (10,000 / item) This excludes personal computers and personal effects

Benefits	1.7 Accidental damage or loss from interior decoration or refurbishment work
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	100,000 (10,000 / item) max. 4 months
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	150,000 (15,000 / item) max. 4 months

Benefits	1.8 New home – household contents
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	Not covered
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	Not covered

Benefits	Valuables
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	Not covered
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	Not covered

Benefits	1.9 Removal of debris
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	100,000 (5,000 / item) This excludes personal computers and personal effects
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	300,000 (10,000 / item) This excludes personal computers and personal effects

Benefits	1.10 24-hour emergency inspection service (plumber, electrician, locksmith)
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	2,000 / year
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	2,000 / year

Benefits	1.11 24-hour home assistance services
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	Free (no limit)
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	Free (no limit)

Benefits	Section 2 – Worldwide ‘All Risks’ Loss or damage to personal effects, valuables and desktop/ laptop/tablet computer anywhere in the world
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	Not covered
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	Not covered

Benefits	Additional cover – 2.1 Money
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	Not covered
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	Not covered

Benefits	2.2 Goods in transit
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	Not covered
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	Not covered

Benefits	2.3 Personal documents
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	Not covered
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	Not covered

Benefits	Section 3 – Personal liability
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	20,000,000
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	20,000,000

Benefits	Section 4 – Loss of rent 4.1 Uninhabitable home as a result of accidental loss of and damage to household contents
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	45,000 (15,000/month, up to 3 months)
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	75,000 (25,000/month, up to 3 months)

Benefits	4.2. Rental default Cover when a tenant does not pay rent under the tenancy agreement within 1 month after the court judgment is obtained
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	25,000
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	25,000

Benefits	Section 5 – Top-up Worldwide ‘All Risks’ (Optional) (This section is operative if so stated in the policy schedule)
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	Not covered
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	Not covered

Benefits	Section 6 – Domestic Helper (Optional) (This section is operative if so stated in the policy schedule) Liability under legislation
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	Not covered
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	Not covered

Benefits	Additional cover – 6.1 Medical expenses
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	Not covered
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	Not covered

Benefits	6.2.1 Cost of returning the remains
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	Not covered
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	Not covered

Benefits	6.2.2 Cost of repatriation
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	Not covered
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	Not covered

Benefits	6.3 Domestic helper’s personal effects
Plan A Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	Not covered
Plan B Sum insured (i.e. Maximum Limit of Indemnity) (HKD)	Not covered

Excess applicable to the Owner (non-renting out) / Occupier / Tenant / Landlord (renting out)

Section 1 – Household contents

Non-water damage excess per claim

For a building aged 0-50 years: the first HKD500
For a building aged 51 years or above: subject to underwriting

Water damage excess per claim

For a building aged 0-40 years: the first HKD1,000
For a building aged 41-60 years: first HKD10,000
For a building aged over 60 years: subject to underwriting

Section 2 – Worldwide 'All Risks'

Excess per claim: the first HKD500

Section 3 – Personal liability

Water damage excess per claim for a building aged over 40 years: the first HKD7,500

Section 4 – Loss of rent

Excess per claim for an uninhabitable home: first 2 weeks' rent

Section 5 – Top-up Worldwide 'All Risks' (Optional)

Excess per claim

Option 1: HKD5,000 or 10% of the loss, whichever is the lower
Option 2: HKD8,000 or 10% of the loss, whichever is the lower
Option 3: HKD10,000 or 10% of the loss, whichever is the lower

Section 6 – Domestic helper (Optional)

Excess per claim for domestic helper's personal effects: first HKD500

Major exclusions applicable to the Owner (non-renting out) / Occupier / Tenant / Landlord (renting out)

Loss or damage due to war risks, radioactive contamination or sonic bangs
Theft or malicious damage if your home is unoccupied for more than 30 consecutive days
Theft in your home if any part is let
Loss of or damage to spectacles, contact lenses, mobile phones, pagers, records, tapes, laser discs and the like
Theft from any unattended private motor vehicle unless all windows were securely closed and all doors and the boot were locked
Properties contained in or on verandas, balconies, patios, terraces, forecourts, which are in the open generally
Fixtures and fittings installed by the property developer and previous property owner if Plan 1 is chosen
Excess where applicable, refer to the sum insured table

For details of all exclusions, please refer to the policy wording (PDF).

Eligibility

To apply for a ResidenceSurance policy, you'll need to hold an HSBC credit card or account, and be aged 18 or above.

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HSBC customers can apply for a ResidenceSurance policy online

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These two policies are different. ResidenceSurance protects household contents inside the home, such as furniture, electrical appliances, fixtures and fittings installed by you or your family members (including those from the property developer or previous property owner except for Plan 1), etc., and personal belongings such as jewellery and laptop computer when you’re out of home. Fire insurance covers building structures such as walls, windows, ceiling, floor and pipes.

And so, the covers are complementary with each other. For comprehensive protection, you should consider buying both insurance policies.

In the event of a burst pipe, ResidenceSurance will cover:

24-hour emergency assistance service;
loss or damage of your household contents;
loss or damage of fixtures and fittings installed by you or your family members (All plans) or by property developer or previous property owner (except Plan 1);
cost of reasonable temporary accommodation if your home is uninhabitable due to damage of your household contents;
cost of temporary storage of your furniture (e.g. mini-storage fee);
pipe repair cost (except for the pipes installed by property developer/previous property owner in Plan 1) and its bursting is caused by accidental damage such as during renovation works (but not by wear and tear due to aging of the pipe) not specifically excluded under the policy. The relevant repair cost of the pipe will only be covered if there is proof of accidental damage provided by you;
liability to third party. If the water from the burst pipe damages property of a third party, e.g. the residential unit downstairs, your personal liability for such damage will also be covered if you are held legally liable for the situation (e.g. you are held negligent by the court for not taking immediate actions to stop the water flow as soon as the water pipe burst is discovered).

In addition to the benefits on accidental damage and loss of household contents caused by typhoon or rainstorm, ResidenceSurance provides alternative accommodation up to HKD10,000 (HKD2,000 per day) which depends on the plan you choose, if there is suspension of electricity or water supply at your Home for 24 consecutive hours because of typhoon signal no.8 or above or black rainstorm.

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Get support to rebuild or repair your home in the event of damage or loss due to fire or typhoon.

Please note that ResidenceSurance’s coverage may overlap with your other existing protection plans’ coverage or exceed your needs, we suggest you compare ResidenceSurance’s coverage with any existing protection plan you have in place to avoid duplication.

General Insurance products are applicable to HSBC credit card holders only.

The above information is intended as a general summary. Please refer to the policy wording for exact terms and conditions and details of the exclusions.

The above policy is underwritten by AXA General Insurance Hong Kong Limited ("AXA"), which is authorised and regulated by the Insurance Authority of the Hong Kong SAR. AXA will be responsible for providing your insurance coverage and handling claims under your policy. The Hongkong and Shanghai Banking Corporation Limited(“HSBC”) is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agent of AXA for distribution of general insurance products in the Hong Kong SAR. General insurance plans are products of AXA but not HSBC.

For monetary disputes arising between HSBC and you out of the selling process or processing of the related transaction by HSBC, HSBC will enter into a Financial Dispute Resolution Scheme process with you. On the other hand, for any disputes over the terms and conditions of your policy, AXA will resolve with you directly.

ResidenceSurance