Q: What are the differences between "Home Insurance" and "Fire Insurance"?

A:

Home Insurance provides "All Risks" insurance cover on household contents such as furniture, electrical appliances, clothing, valuables, personal effects and household improvement on walls, ceilings, floorings and doors which are carried out by the Insured. Fire Insurance provides "Named Perils" insurance cover on any loss or damage caused by fire or any other named perils to any kind of property insured, particularly building structure such as walls, windows, ceiling, floor, landlords' fixtures and fittings. Scope of coverage of Home Insurance and Fire Insurance is different but complementary. To have comprehensive protection, you are recommended to take out both policies.

Q:How to define "Burglary"?

A:	Theft consequent upon actual forcible and violent entry and exit form the home leaving visible marks.

Q: What is the protection for private householder/owner's liability?

A:	To indemnify the Insured and/or Family Members against all sums for which they become legally liable to pay for compensation in respect of Bodily Injury to any third party or accidental physical loss of or damage to property due to negligence occurring at Home and during the Period of Insurance.

Q:Can I apply the "Home Ins" for a letting property? What is the coverage?

A:	Yes, you can. The coverage only extends to the property owner's household contents of the insured address, replacement of doors and windows, door keys and locks and worldwide personal liability benefit (limited to overseas travel for not more than 30 days).

Q:Will my building be accepted as an object of insurance?

A:

In principle, all residences built of brick can be accepted as a subject matter of insurance. For old buildings over 30 years of age, building with structural defeat (including known or suspicions nature), poorly constructed buildings exposed to inundation, or homes located in flooding-prone area, or individual houses (include "village houses") the premium is subject to conditions set by Insurance Company.

Q:	If my window falls into the street, and become accidental loss of or damage to third party property or bodily injury, what should I do?

A:

You should report this incident to your building manager and look into the actual cause of the damage. You should not admit liability to any party without our prior written consent. If your policy covers liability, you should report the incident to us by submitting a completed Claim Form as soon as possible. We will arrange loss adjusters to conduct investigation, if necessary.