Home Insurance
If the damaged item cannot be repaired, or the repair cost exceeds the replacement cost, the Optional Protection for Damages by Pet will reimburse you the replacement cost of the item, so you don't need to worry about the rest.
The optional rider only covers damage directly caused by "Your Pet," defined as a dog or cat registered under your Policy, with a microchip number or proof of identity, that resides with you at the insured address. When customers submit a claim, they are required to provide proof of their relationship with the pet and to confirm that the pet resides at the insured address. Otherwise, the relevant damage will not be covered under this benefit. We will assess the cause of loss based on the supporting documents you submit, such as repair invoices and photos.
No. We will directly arrange a nominated service provider, including an electrician, plumbing specialist, drainage specialist or locksmith, to provide basic maintenance assistance at your home, with no upfront payment required from you. However, the Home Maintenance Service does not cover the cost of replacement parts or any additional expenses incurred beyond the scope of basic repair support. These charges must be paid directly by the customer.
The Home Maintenance Services and Protection for Damages by Pet are two optional rider offer different scopes of protection. The Home Maintenance Services cover original manufacturer repair costs for appliance failures caused by mechanical or electrical breakdown, and do not cover damage directly caused by your pet. The Protection for Damages by Pet specifically protects against direct pet damage to 10 designated items, including: Shoes Water pipes Refrigerator Washing machine Dryer Washer dryer combo Dehumidifier Air purifier Vacuum cleaner Water filtration system If your belongings are damaged by a pet, the loss must be claimed under the Protection for Damages by Pet. These two optional rider each other with non-overlapping coverage, and customers are welcome to enroll in both at the same time.
Service hours are 10am to 6pm daily, covering the Hong Kong Special Administrative Region (excluding outlying island districts and designated restricted areas). This coverage does not include additional charges arising from services beyond the scope of basic maintenance assistance; such charges are payable directly to the service provider.
