After spending millions of dollars for a property in Hong Kong, either living the property himself or renting it out to tenants, the property owner definitely wants the house and the contents within the house be well protected by a suitable home insurance policy.

 

Nowadays, a home insurance policy not only indemnify the damage or loss of general house contents, the protection usually extend to cover third party's legal liabilities in relation to the dropping of windows down the streets, and emergency services like pet control, house cleansing and etc.

 

It becomes more common that home insurance policies may provide protection to foreign maids and the basic structure of the property's building.

 

From consumer's perspective, this course will also teach home owners to select the home insurance policies that suit their specific needs most. 

Basic coverage of a home insurance policy - household contents and third party's legal liabilities.

 

What kinds of househould contents are generally excluded from insurance protection.

 

How a home insurance policy will help in case where the foreign maid drops a window frame down the street when she is cleaning the window?

 

Optional benefit, which may include domestic helper under the Employees' Compensation Ordinance.

 

Factors to be considered when selecting a home  insurance policy, and the market update regarding home insurance policy.