Key Benefits
Accidental loss or damage to household contents
Rental expenses for temporary alternative accommodation
Loss of money due to burglary or theft at home
Home Protector Plus - Safeguarding your home and your loved ones
Home Protector Plus is a comprehensive insurance plan that provides coverage against major accidents, with up to HK$1,500,000 per claim. Safeguard your home and belongings with added benefits such as personal liability coverage and 24-hour Home Assistance Hotline.
Household Contents Coverage
Personal Liability
Personal Accident Benefit
Home Assistance Hotline
Add-on Domestic Helper Insurance
Compare our plans and choose the one that suits you
Coverage Maximum Limits (HK$)
Plan 1
Plan 2
Plan 3
Covers accidental loss of or damage to your household contents subject to an excess of HK$250 for each claim
Plan 1
HK$500,000/year
HK$50,000/article
Plan 2
HK$1,000,000/year
HK$50,000/article
Plan 3
HK$1,500,000/year
HK$100,000/article
Valuable Items
Plan 1
HK$150,000/year
HK$10,000/article
Plan 2
HK$150,000/year
HK$10,000/article
Plan 3
HK$250,000/year
HK$15,000/article
Brittle Items
Plan 1
HK$5,000/year
Plan 2
HK$5,000/year
Plan 3
HK$5,000/year
Alternative accommodation
The rental expenses incurred for temporary accommodation for the period while your home is uninhabitable due to an insured accident
Plan 1
HK$50,000/year
HK$1,500/day
Plan 2
HK$50,000/year
HK$1,500/day
Plan 3
HK$65,000/year
HK$1,500/day
Relocation
Limited to domestic relocations covering damage to household contents by professional movers in the course of removal from the insured home to any new home subject to an excess of HK$1,000
Plan 1
HK$50,000/year
HK$30,000/article
Plan 2
HK$50,000/year
HK$30,000/article
Plan 3
HK$100,000/year
HK$50,000/article
Worldwide cover for personal belongings subject to an excess of HK$500 (excluding daily necessities such as mobile phones, spectacles and cash, etc.)
Plan 1
Not Applicable
Plan 2
HK$5,000/year
HK$2,500/article
Plan 3
HK$15,000/year
HK$5,000/article
Loss of money due to burglary or theft at home
Plan 1
HK$2,000/year
Plan 2
HK$2,000/year
Plan 3
HK$3,000/year
Credit card and personal document protection against unauthorized use due to burglary or theft at home
Plan 1
HK$5,000/year
Plan 2
HK$5,000/year
Plan 3
HK$5,000/year
Medical expenses protection against the burglary/robbery injury of the insured or the family members
Plan 1
HK$5,000/year
Plan 2
HK$5,000/year
Plan 3
HK$10,000/year
Replacement of the damaged window and door locks due to burglary or theft
Plan 1
HK$2,000/year
Plan 2
HK$2,000/year
Plan 3
HK$3,000/year
Interior decorations and refurbishment work
Plan 1
Not Applicable
Plan 2
HK$50,000/year
HK$3,000/article
Plan 3
HK$100,000/year
HK$6,000/article
Removal of Debris
Plan 1
HK$30,000/year
Plan 2
HK$30,000/year
Plan 3
HK$30,000/year
Temporarily Removal
Plan 1
HK$50,000/year
Plan 2
HK$50,000/year
Plan 3
HK$50,000/year
Frozen Food and Drinks
Plan 1
HK$5,000/year
Plan 2
HK$5,000/year
Plan 3
HK$5,000/year
Home Assistance
A 24-hour home assistance hotline service to assist you in case of an emergency including:
- Locksmith Referral Assistance
- Baby-sitting/Nursing Assistance
- House call/Dental Assistance
- Plumbing/Electrical Assistance
- Air-Condition/Television/Washing Machine/Refrigerator Repair Assistance
- Pest Control Assistance
Plan 1
Advisory & referral service only
Plan 2
Advisory & referral service only
Plan 3
Advisory & referral service only
Personal Liability for third party
Plan 1
HK$5,000,000/year
Plan 2
HK$5,000,000/year
Plan 3
HK$5,000,000/year
Death or Permanent Total Disablement
Plan 1
HK$150,000/year
Plan 2
HK$150,000/year
Plan 3
HK$150,000/year
1There is an excess of HK$250 per claim for household contents.
Coverage Maximum Limits (HK$)
Plan A
Plan B
Employees' Compensation
Plan A
Covered
Plan B
Covered
Hospitalization & Surgical Expenses2
Plan A
Not Applicable
Plan B
HK$300/day
HK$12,000/surgery
HK$20,000/year
- Clinical Expenses
Plan A
Not Applicable
Plan B
HK$150/visit/day
HK$1,200/year
- Repatriation Expenses
Plan A
Not Applicable
Plan B
HK$10,000/year
- Domestic Helper's Personal Effects
Plan A
Not Applicable
Plan B
HK$2,500/article
HK$10,000/year
- Domestic Helper's Personal Liability
Plan A
Not Applicable
Plan B
HK$5,000/article
HK$250,000/year
2There is an excess of HK$300 per hospitalization claim for domestic helper insurance.
Annual Premium Table (HK$)
Gross Floor Area (Square Feet)
Plan 1
Plan 2
Plan 3
500 or below
Plan 1
HK$500
Plan 2
HK$600
Plan 3
HK$1,000
501 - 700
Plan 1
HK$600
Plan 2
HK$820
Plan 3
HK$1,294
701 - 1,000
Plan 1
Not Applicable
Plan 2
HK$1,060
Plan 3
HK$1,671
1,001 - 1,500
Plan 1
Not Applicable
Plan 2
HK$1,485
Plan 3
HK$2,176
1,501 - 2,000
Plan 1
Not Applicable
Plan 2
HK$1,800
Plan 3
HK$2,682
2,001 - 2,500
Plan 1
Not Applicable
Plan 2
HK$2,180
Plan 3
HK$3,153
2,501 and above
Plan 1
Please contact Liberty for quotation
Plan 2
Please contact Liberty for quotation
Plan 3
Please contact Liberty for quotation
Domestic Helper Insurance
Plan 1
Plan A - HK$200
Plan B - HK$780
Plan 2
Plan A - HK$200
Plan B - HK$780
Plan 3
Plan A - HK$200
Plan B - HK$780
Premium Levy collected by the Insurance Authority will be imposed at the applicable rate. The Levy is included in the premium shown.
Get in touch
If you have any questions regarding this product, don’t hesitate to reach out via our contact form.
Get in touch
If you have any questions regarding this product, don’t hesitate to reach out via our contact form.