Take the worry out of constructing and renovating your house with our Home Decoration Insurance. Providing all-encompassing protection for both interior and exterior contract works, as well as your belongings, updating your home will be a breeze.

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Unleash your creativity to build or transform your living space. Home Decoration Insurance is specifically designed to protect you against loss or damage arising during the building and renovation process, whether it is heavy lifting, decoration, refurbishment or maintenance. You’ll be covered for both injuries to someone else and damage caused to others. Play it doubly safe by insuring for the replacement cost of lost or damaged decoration materials as well. With our policy, major home decoration will be without worry. So get creative and enjoy making your new house a home!

So…what does it do?

  • Safe as houses - Both interior and exterior works on your home are covered, from spilled paint and a broken vase to a busted air-conditioner or broken windows.

  • Looking out for others - We’ve got you covered against legal liability for accidental third-party injury and property damage during the contract works.

  • Property protection - Did your over-zealous contractor knock out the wrong wall? You are covered while contractors are working in your home.

  • After the fact - Just in case things didn’t go as planned, the plan covers you for up to three months after completion of the contract work.

  • Option is yours - With the optional “All Risks” Material Damage, we protect you against loss or damage caused by fire, water, burglary or explosion to the site during the construction period.

But wait, there's more

  • You can choose how much you want to insure for third parties - HK$5 million or HK$10 million.

  • We will remove rubbish and debris if it is the result of accidental damage.

  • If your home decoration quotation doesn’t match the final bill, coverage will be increased by a maximum of 10% at no extra cost.

The features above are indicative only. Please refer to the Product Brochure for details.
For a complete explanation of the terms and conditions, please call our Service Hotline at +852 3123 3123.

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