Apply online - 25% discount
 

Everyone is dreaming for a lovely and safe home. ProperSure can give you a full protection against any possible accidents to your home.

ProperSure provides a comprehensive coverage on your household contents against fire, explosion, typhoon, flooding, landslip, subsidence, robbery, etc.

To save the time in calculating the premium and prevent you from under-insurance, the premium and the indemnity limit is set solely based on the gross floor area of your premises.

In addition to the protection of your household contents, ProperSure also provide you additional benefits and protection such as alternative accommodation, personal effects in your office, personal liability, etc. What’s more, ProperSure also provide you a 24-hour home assistance services including locksmith, plumber and other referral services.

 
ProperSure - Summary of Coverage
 
Coverage
Indemnity Limit (HK$)
Gold Plan
Diamond Plan
1. Household Contents
Your household contents against all risks including fire, explosion, flooding and other mishaps.
- Household contents items
- Valuables such as jewellery, watches, furs, etc
 

750,000

30,000 per item

5,000 per item
(up to 50,000 per year)
 

1,000,000

50,000 per item

10,000 per item
(up to 100,000 per year)
2. Alternative Accommodation
Your home become inhabitable due to insured damages
 

1,000 per day
(up to 30,000 per year)
 

1,500 per day
(up to 50,000 per year)
3. Burglary / Robbery Harm Allowance
You and your spouse sustain injury caused by burglars or robbers in your home
 

3,500 per year
 

7,000 per year
4. Lock
Replacement of damaged locks and windows due to burglary
 

2,000 per year
 

3,000 per year
5. Frozen Food and Drinks
For frozen food and drinks if they deteriorate due to accidental failure of your freezer or electricity supply
 

3,500 per year
 

7,000 per year
6. Personal Effects in Your Office
For loss of personal belongings in office
 

2,000 per year
 

3,000 per year
7. Removal of Debris
Cost incurred including the removal of contents whether damaged or undamaged due to insured damages
 

7,500 per year
 

15,000 per year

8.

Temporary Removal
For loss of any property insured temporarily removed from the dwelling suffered from fire risk only
 

75,000 per year
 

150,000 per year

9.

Damage to Personal Documents
Replacement of credit card, passports, identity card or any certificates of Identity following accidental loss
 

1,000 per year
 

1,500 per year

10.

Personal Liability
A worldwide cover against any claim of third party bodily injury or property damage resulting from your negligence or that of any of your family members
 

2,500,000 per year
 

5,000,000 per year

11.

24 Hour Referral Services
A worldwide cover against any claim of third party bodily injury or property damage resulting from your negligence or that of any of your family members
- Locksmith Referral
- Electrician Referral
- Pests Control Referral
- General Repair Assistance
- Plumber Referral
- Air-Conditioner Engineer Referral
- Home Cleaning Referral
- Emergency Nurse Assistance
 
 
Excess - Applied to the whole policy:
- The first HK$250 of each & every claim
- HK$10,000 or 10%, whichever is the greater, for landslip and subsidence
 
  Major Exclusions - Applied to the whole policy
War and terrorism, political risks, radioactive contamination, cyber, malfunction of machinery and electrical appliances, wear and tear, seepage, unexplained loss, consequential loss, etc
 
 
Optional Cover
Indenmity Limit (HK$)

Option 1 : Building
It protects the domestic structure (including flooring) of your home against any accidental physical loss or damage caused by fire, burst pipes, explosion, landslip, subsidence, typhoon, etc
 
Additional Benefits:
- Loss of Rent : Your house become inhabitable due to insured damages
 
Excess: - The first HK$250 of each & every claim
  - HK$3,000 or 10%, whichever is the greater, for water damage
  - HK$10,000 or 10%, whichever is the greater, for landslip and subsidence
 

Sum insured
 
50,000 or 15% of sum insured

Option 2 : Worldwide All Risk
It covers you and your family in respect of personal effects and valuables against loss, theft and accidental damage anywhere in the world
 
Excess: - The first HK$250 of each & every claim
 

5,000 per item
50,000 per year

Option 3 : Domestic Servants (for age between 16 and 65)
It covers :
- Employees’ Compensation Ordinance
- Personal Accident (applicable on the rest days)
- Medical Expenses results from personal accident (applicable on the rest days)
   
Excess: - The first HK$250 of each & every claim
 
 

100,000,000
50,000
5,000

Option 4 : Medical Expenses Covered for Dog
It covers the clinical benefits for your dog
- Physicians consultations inclusive medical fee
- X-ray & Laboratory Test
   
Excess: - The first HK$100 of each clinical visit
 
3,000 per year
280 per day
2,000 per year
 
 
 
Premium Table
 
Gross Floor Area
(in square feet)
Annual Premium (HK$)
Gold Plan
Diamond Plan
450 or Below
451-699
700-1,000
1,001-1,300

1,301-1,600
Over 1,600
Refer
Refer
 
 
Optional Cover
Annual Premium (HK$)
Building
% of the sum insured
Worldwide All Risks
Domestic Helper Insurance

Dog Insurance
 
 
 
 

Note :

This insurance plan is available only to people residing in the Hong Kong SAR.
The descriptions of the available cover are only a brief summary for quick and easy reference. The exclusions, terms and conditions that apply are given in the Policy documents