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Household  
 

Sweet Home Household Protection Plan

Your sweet home means a lot to you. Whether you are an owner-occupier, a landlord or a tenant, your home is probably one of your biggest investments. Macau Insurance is pleased to present you the best solution – Sweet Home Household Protection Plan.

 

Comprehensive Protection
Premium
 
Online Application
 

 

Comprehensive Protection

Fire, Lightning and Explosions
Typhoon
Flood or Water Damage
Landslides
Burglary or Robbery
Malicious Acts or Sabotage
Claims on the above coverage can be as high as the sum insured
Personal Accident (covering the insured and family members)
Coverage as high as MOP200,000
Third Party Liability (covering the insured, family members, servants and even pets)
Coverage as high as MOP1,000,000
Accidental Breakage of Fixed Glass
Coverage as high as MOP12,500
Cash Loss
Coverage as high as MOP1,000
Demolition and Removal of Debris
Coverage as high as MOP75,000
Temporary Loss of Shelter
Coverage as high as MOP50,000
Loss of Rent
Coverage as high as 10% of the sum insured for a period up to 12 months
  and more…
 
 

Flexible Choices of Sum Insured

I . Household Contents

Premium Table (MOP)

Gross Floor
Area(Sq. Ft.)

Recommended
Sum Insured

Annual Premium

Year 1

Year 2

Year 3 and after

(NCB = 10%)

(NCB = 20%)

Below 500

300,000

690

621

552

501 – 700

500,000

1,030

927

824

701 – 1,000

700,000

1,440

1,296

1,152

1,001 – 1,300

1,000,000

2,060

1,854

1,648

1,301 – 1,600

1,300,000

2,670

2,403

2,136

1,601 – 2,000

1,500,000

3,090

2,781

2,472

2,001 – 2,500

1,800,000

3,700

3,330

2,960

Over 2,500

Over 1,800,000

To be quoted by Technical Risk Department

Notes:

  • The Policyholder is at all times responsible for deciding an appropriate sum insured for the property concerned.
  • The sum insured for Special Objects (valuable items that can be easily taken out) is limited to 30% of sum insured for Household Contents and MOP20,000 for each Special Object.
  • If the gross floor area is above 2,500 sq. ft. and/ or the sum insured is over MOP1,800,000, the annual premium will be quoted by Technical Risk Department.

II . Buildings Coverage

Can be insured on stand-alone basis, minimum sum insured is MOP 200,000. The annual premium will be quoted by Technical Risk Department.


No Claim Bonus(NCB)

If no claim is reported, customers will get a No Claim Bonus of 10% after the first year. This No Claim Bonus will be increased to 20% after the second year as long as no claim has been recorded.

To make your home a REAL Sweet home, subscribe Sweet Home Household Protection Plan now!

 
 
Remarks:

For a complete description of terms and conditions, please refer to the policy.
This service/product is not targeted at customers in the EU.