Property owners, tenants and residents all seek to live in peace and contentment, but household risks cannot be prevented. Take precautions and buy Well Link Insurance's home insurance as early as possible to avoid sudden home accidents.
Requirements of policyholder:
- Property owners, tenants or residents must be 18 years of age or above
Requirements of insured:
- The proposed property is built and roofed with concrete.
- The proposed property does not free from any business / non-domestic purposes use.
- The proposed property must be not a sub-divided home or sub-let premises, not located on any floor below the level of the ground
Remarks
IMPORTANT! Make sure to declare the correct information.
If building aged 45 years or above, or floor area over 2500ft or above, it must be underwritten by Well Link Insurance and special term(s) may apply.
Cover
Section 1 – Household Contents
Plan A: Maximum limit per policy year (HKD): $500,000
Plan B: Maximum limit per policy year (HKD): $1,000,000
Plan C: Maximum limit per policy year (HKD): $1,500,000
Section 2 - Worldwide All Risks (Personal Effects)
Maximum limit per policy year (HKD): $10,000
Section 3 – Legal Liability to Third Party
(HKD) $10,000,000 any one accident and in aggregate per period of insurance
For details of coverage, excess and premium, please click here
Major Exclusions
- Uninsurable risks such as natural depletion scratching, wear and tear, rusting and corrosion of items, etc.
- Loss or damage if the home is unoccupied for more than 30 consecutive days
- Theft in your home should any part be let
- Loss of or damage to contact lenses, mobile phone, laptop, tablet and the like
- Loss of or damage to equipment used in connection with business or employment
- Loss of or damage due to war, terrorism or nuclear risks
Yes, we will pay for the cost of door lock replacement up to HK$2,500 and loss of money up to HK$3,000 respectively.
You should inform us immediately. We may appoint a loss adjuster to conduct an inspection and evaluation the loss (if necessary). If the loss is related to burglary, you should report to Police as soon as possible and obtain the relevant investigation report, submit the relevant claim documents to us for our further handling.
You can call our claim hotline at +852 2884 8899 or by email to claim@wli.com.hk .
Yes, you should inform us immediately and please do not admit liability of the case.
You can call our claim hotline at +852 2884 8899 or by email to claim@wli.com.hk .
Yes, you should inform us immediately and please do not admit liability of the case.
You can call our claim hotline at +852 2884 8899 or by email to claim@wli.com.hk .
Yes, you should inform us immediately and please do not admit liability of the case.
You can call our claim hotline at +852 2884 8899 or by email to claim@wli.com.hk .
In general, Master policy (fire insurance) only covers the building structure such as walls, ceilings and floors, etc. It does not cover your interior decoration, furniture or electrical appliances. "Home Insurance" can provide you with this protection, and can also provide protection for accidents (third party liability) caused by others.
Notes:
1. This product is underwritten by Well Link General Insurance Company Limited.
2. The above content contains general information for reference only and does not form part of the policy. Please refer to the policy document for benefit coverage, exclusion, exact terms and conditions. For enquiries, please contact our Customer Service Hotline at +852 2884 8888.
