Currently, we accept mortgage customers of the following banks/companies to apply for our Fire Insurance, - The Hongkong and Shanghai Banking Corporation Ltd. (HSBC) - Hang Seng Bank Limited - Bank of China (Hong Kong) Limited - Standard Chartered Bank (Hong Kong) Limited - The Bank of East Asia, Limited - China Construction Bank (Asia) Corporation Limited - Fubon Bank (Hong Kong) Limited - China Minsheng Banking Corp., Ltd., Hong Kong Branch - China CITIC Bank International Limited - Mortgage 360 Limited - Sun Hung Kai Credit Limited - HKMC Mortgage Management Limited
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Reinstatement cost is how much it would cost to rebuild your property and restore it to its original condition if it were completely destroyed. It excludes the building foundation and value of the land.
If you're buying a home in a newer residential development, it's likely that fire coverage is included in the management fee and you won't need to purchase a separate fire insurance policy. While your mortgage bank should be aware which developments have master fire insurance, it doesn't hurt to confirm with them to ensure you're not paying for coverage you don't need.
OneDegree Fire Insurance only covers residential properties for now. However, we have plans to introduce different types of insurance protection in the future. Subscribe to our mailing list or follow us on Facebook for our latest updates.