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Home Protection Insurance

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WHY DO I NEED A HOUSEHOLD INSURANCE?

Accidents like fire, flooding, typhoon, burglary or other unexpected events could suddenly damage and ruin your home.

Home Protection Insurance is a household insurance that offers a comprehensive protection to your household contents, personal belongings and third party liability, giving you total peace of mind and enabling you to enjoy the comforts of your home!

BENEFITS OVERVIEW

  • Protection of Household Contents & Valuables in case of fire, flooding, typhoon or burglary
  • Accidental Death Benefit in case of fire, lightning, explosion or robbery at Home
  • Personal Liability incurred due to accidental death/injury or damage/loss of property of third party arising from Home
  • Worldwide Coverage for Personal Effects & Valuables
  • Optional Coverage for Golfer.

Subscribe through BNU Online Banking, BNU Mobile Banking or visit our offices at Av. Praia Grande 567, BNU Building 14/F, Macau (China), from Monday to Friday (09:00 – 17:30).


This product is underwritten by Fidelidade Macau - Insurance Company Limited. The above product information is for reference only.

Download this Product Leaflet here.
For details of coverage, terms, conditions and exclusions, please refer to Policy General Conditions.
Please contact us for further details about the product and how to apply for it.

TABLE OF BENEFITS

Section

Max. Benefit Amount per Any One Claim / Any One Period of Insurance (MOP/HKD)

Plan A

Plan B

Plan C

Section 1 - Household Contents and Valuables

300,000

500,000

1,000,000

(per item/set)

50,000

60,000

120,000

Sub-limit for Valuables

(per item/set)

100,000

3,000

150,000

5,000

250,000

10,000

Sub-Section 1.A. - Additional Covers1

1. Alternative Accommodation

(per day)

20,000

1,000

30,000

1,000

60,000

1,000

2. Removal of Debris

3,000

5,000

10,000

3. Household Removal

(per item/set)

300,000

50,000

500,000

60,000

1,000,000

120,000 

Sub-limit for Valuables)

(per item/set)

100,000

3,000

150,000

5,000

250,000

10,000

4.Temporary Removal for Cleaning and Other

(per item/set)

10,000

3,000

15,000

5,000

20,000

8,000

5. Moving Home

(per item/set) 

60,000

25,000

100,000

30,000

200,000

60,000

Sub-limit for Valuables

(per item/set)

20,000

3,000

30,000

5,000

60,000

10,000

6. Storage of Household Contents

30,000

50,000

100,000

7. Interior Decoration/ Refurbishment Work2

(per item/set)

50,000

3,000

100,000

6,000

150,000

10,000

8. Replacement of Locks/ Keys/ Windows

1,000

2,000

3,000

9. Frozen Food

1,000

1,500

2,500

10. Domestic Helper’s Personal Effects

(per item/set)

2,000

500

5,000

500

10,000

500

11. Personal Effects and Valuables3

(per item/set)

10,000

5,000

15,000

7,500

20,000

10,000

12. Personal Effects Newly Purchased in Transit3

2,500

5,000

5,000

13. Personal Money3

1,500

3,000

3,000

14.Personal Documents3

1,500

3,000

3,000

Sub-Section 1.B. - Accidental Death Benefits4

15. Accidental Death Benefit

300,000

400,000

500,000

( per person)

100,000

100,000

100,000

16. Burial and Funeral Expenses

10,000

10,000

10,000

Section 2 - Personal Liability (Max. Indemnity per any one claim/ any one period of insurance)
Personal Liability arising from the Home 500,000 1,000,000 1,500,000
Section 3 - Golfer (Optional Worldwide Coverage) (Max. Indemnity per any one claim / any one period of insurance)

Golf Equipment

30,000

(per item)  2,000

Deductible for Golf Equipment

(per claim)
500
Hole-in-One 2,000

1All the limits are sub-limits of the maximum limit stated for “Household Contents”
2 Subject to a contract period not exceeding 60 days
3 Worldwide coverage
4All the limits are in addition to the maximum limit stated for “Household Contents”

DEDUCTIBLE (Per Claim)

Applicable to Section 1 - Household Contents and Valuables (not applicable to additional covers 1 and 2)

(i) Water damage arising from any cause other than fire, lightning and explosion

5,000 or 10% of adjusted loss, whichever is higher

(ii) Other loss

1,000

Applicable to Section 2 – Personal Liability

(i) Water damage to third party property arising from any cause other than fire, lightning and explosion

5,000 or 10% of adjusted loss, whichever is higher

(ii) Third party property damage arising from Interior Decorations and Refurbishment Work

10,000 or 10% of adjusted loss, whichever is higher

(iii) Other liability

1,000

MAJOR EXCLUSIONS

(The following list of exclusions is not representative of the full list of Exclusions and is for reference only.)

  • Wear, tear, scratching or depreciation;
  • Moths, woodworm, beetle or other insects and vermin;
  • Electrical or mechanical breakdown;
  • Misuse or use contrary to manufacturers’ instructions;
  • Mysterious disappearance or unexplained loss;
  • Loss or damage to motor vehicles;
  • Credit cards, securities, certificates and document of any kind;
  • Spectacles or contact lenses;
  • Mobile or portable telecommunications equipment and the like;
  • Business equipment;
  • Loss of or damage to data or software;
  • Sports equipment while in use (except Optional Coverage – Golfer);
  • Any part of the Home is lent or let;
  • Illegal structure attached to home and/or building;
  • Nuclear energy or radioactivity of any kind.

Premium Table (MOP/HKD)

Plan Type

Monthly1

Annual2

Plan A

$77.00

$831.60

($924.00)

Plan B

$120.00

$1,296.00

($1,440.00)

Plan C

$166.00

$1,792.80

($1,992.00)

Optional Coverage for golfer

25.00

270.00

(300.00)

  1. Must be settled by a BNU credit card.
  2. Premium is inclusive of 10% annual premium discount.

No Claim Bonus

If no claim has been made in the period of insurance, you are entitled to a no claim discount on renewal premium.

No claim in preceding year

10%

No claim in preceding two years

15%

No claim in preceding three years or more

20%