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 Home Protector Plus Insurance
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Home Protector Plus is a comprehensive insurance plan that insures
you against major accidents such as fire, theft, explosion, bursting of water pipe and other
accidents. The total coverage can be up to HK$1,500,000 per claim. For ease of application,
Liberty does not require you to list the insured items and their values when you apply. Home
Protector Plus also covers door locks and keys, replacement of personal documents, credit card
protection against unauthorized use, temporary accommodation, and death or permanent total
disablement, etc. In addition, this plan also provides personal liability cover, no matter
where you are. In case of a home contingency, you can call our 24-hour Home Assistance Hotline
for free referral assistance, including locksmith, plumber, electrician and emergency medical
assistance, etc.
Besides insuring your home contents, Home Protector Plus also provides domestic helper insurance
which gives you the option of purchasing a basic employees' compensation insurance or with
additional medical insurance cover.
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Basic Cover
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Coverage
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Maximum Limits (HK$)
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Household Contents*
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Plan 1
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Plan 2
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Plan 3
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Covers accidental loss of or damage to your household contents subject to an excess of HK$250 for each claim
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500,000 / year
50,000 / article
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1,000,000 / year
50,000 / article
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1,500,000 / year
100,000 / article
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Valuable Items
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150,000 / year
10,000 / article
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150,000 / year
10,000 / article
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250,000 / year
15,000 / article
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Brittle Items
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5,000 / year
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5,000 / year
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5,000 / year
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Additional Cover
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Coverage
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Maximum Limits (HK$)
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Plan 1
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Plan 2
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Plan 3
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a) Alternative accommodation
The rental expenses incurred for temporary accommodation for the period while your home is uninhabitable due to an insured accident
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50,000 / year
1,500 / day
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50,000 / year
1,500 / day
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65,000 / year
1,500 / day
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b) Relocation
Limited to domestic relocations covering damage to household contents by professional removers in the course of removal from the insured home to any new home subject to an excess of HK$1,000
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50,000 / year
30,000 / article
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50,000 / year
30,000 / article
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100,000 / year
50,000 / article
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c)
Worldwide cover for personal belongings subject to an excess of HK$500 (excluding daily necessities such as mobile phones, spectacles and cash, etc. )
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Not Applicable
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5,000 / year
2,500 / article
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15,000 / year
5,000 / article
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d)
Loss of money due to burglary or theft at home
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2,000 / year
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2,000 / year
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3,000 / year
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e)
Credit card and personal document protection against unauthorized use due to burglary or theft at home
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5,000 / year
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5,000 / year
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5,000 / year
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f)
Death or permanent total disablement of the insured or the family members due to fire, theft, robbery or burglary at home
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150,000 / year
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150,000 / year
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150,000 / year
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g)
Medical expenses protection against the burglary / robbery injury of the insured or the family members
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5,000 / year
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5,000 / year
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10,000 / year
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h)
Replacement of damaged window and door locks due to burglary or theft
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2,000 / year
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2,000 / year
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3,000 / year
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Worldwide Personal Liability
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Plan 1
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Plan 2
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Plan 3
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Personal liability for third party bodily injury or property damages as a result of your or your family members' negligence
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5,000,000 / year
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5,000,000 / year
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5,000,000 / year
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Home Assistance
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Plan 1
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Plan 2
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Plan 3
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A 24-hour home assistance hotline service to assist you in case of an emergency including:
Locksmith Referral Assistance
Baby-sitting / Nursing Assistance
Housecall / Dental Assistance
Plumbing / Electrical Assistance
Air-Condition / Television / Washing Machine / Refrigerator Repair Assistance
Pest Control Assistance
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Advisory & referral service only
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Advisory & referral service only
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Advisory & referral service only
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Optional Cover
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Coverage
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Maximum Limits (HK$)
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Domestic Helper Insurance
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Plan A
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Plan B
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a) Employees' Compensation
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Covered
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Covered
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b) Hospitalization*
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Not Applicable
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300 / day
12,000 / surgery
20,000 / year
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Medical Expenses
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Not Applicable
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150 / visit
1,200 / year
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Repatriation to Home Country
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Not Applicable
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10,000 / year
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Repatriation of Mortal Remains
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Not Applicable
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10,000 / year
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Domestic Helper's Personal Effects
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Not Applicable
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10,000 / year
2,500 / article
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Domestic Helper's Personal Liability
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Not Applicable
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250,000 / year
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* There is an excess of HK$250 per claim for household contents and an excess of HK$300
per hospitalization claim for domestic helper insurance.
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