Yes, you are. Breezy Home Insurance Plan (Householder Insurance) provides protection to the householders and their household members on home contents and legal liability even when the householders do not own the property.

Liability owed by landlords and householders can differ. As a householder, you need to take out home insurance for home contents protection and other extended coverage such as personal possessions; whereas for landlords, the core protection will lie within legal liability and loss of rent compensation.

Therefore, we recommend both landlords and householders take out a home insurance for their best interests.

Liability owned by landlords and householders can differ. You are recommended to acquire Breezy Home Insurance Plan (Landlord Insurance) for more suited coverage on legal liability, loss of rent, and optional coverage on rebuilding costs. Click here for details.

Some of the examples are furniture, fixtures, fittings, household goods, laptop computers^# , etc. which belong to you and/or a member of the household with exclusions. Please refer to the Definitions of the policy wording for details of the definition and the exclusion of home contents.

Home contents refer to:

Indoor home coverage

1. Fixtures, fittings, furniture, household goods;
2. Personal effects, valuables, money, collection (stamps, coins, or medals);
3. Laptop computers, tablet computers, electronic communication products^#

Outdoor home coverage

• Furniture, washing machine and refrigerator whilst contained in or on verandahs, balcony, patios, terraces, forecourts and in the open generally

Building structure refers to block of residential structure where the household is situated at and including the following if they form part of the household:

• Professionally designed, built and installed Solar PV System or EV charger
• Walls, gates and fences
• Drives, paths, patios, terraces, domestic greenhouses, swimming pool, rooftop, roof floor, storage units, garage, or car parking spaces
• Hidden fixtures limited to the drains, pipes, cables and wires

For detailed definitions, please refer to the policy wording.

Under Breezy Home’s basic coverage, it provides protection on home contents. For more all-rounded home protection, you are recommended to add the building optional coverage.

Under the basic coverage of Breezy Home Insurance Plan (Householder Insurance), the home content protection limit is fixed according to the area of the insured household. The optional top-up home content protection offers an option when you feel you need extra coverage on top of the basic home content protection limit to make the coverage up to HKD 3,250,000.

Breezy Home not only covers accidents that occur at your home, but also outside your home with third-party liability protection. For example, if your pet accidentally causes damage to your neighbor’s home contents, the plan will cover your compensation expenses under legal liability coverage with up to HKD 10,000,000.

We will grant a maximum of one (1) additional reimbursement on top of the 2 reimbursements for electronic communication products when you used the recycling service of home electric appliances, desktop computers, laptop computers or electronic communication products by our recognized or designated service provider in a policy year.

You may login to OneZurich to complete the Carbon Neutrality Campaign enrollment form to join this campaign for free. We will help to neutralize the carbon emissions from your household electricity consumption in the previous year, and award you with a certification of appreciation. For details, please click here.

Simply login to OneZurich to complete the Carbon Neutrality Campaign enrollment form, Zurich will reward the policyholder with renewal discount if there is a year-on-year electricity saving on the same household. Please click here for details.

Excess/deductible

1. Section 1：For each and every loss from: 1) HKD1,000 for water damage, typhoon, windstorm or landslip and subsidence 2) HKD500 for others
2. Section 2：HKD1,000 for each and every loss
3. Section 6：For each and every loss from: 1) HKD1,000 for water damage, typhoon, windstorm or landslip and subsidence 2) HKD500 for others
4. Section 7：For each and every loss: HKD500 for all items

Remarks

^a Maximum 2 claims per year, additional 1 claim for using our recycling services.
^b Includes furniture, washing machine and refrigerator whilst contained in or on verandahs, balcony, patios, terraces, forecourts, rooftop, or roof floor and in the open generally
^c Limited to standard hour and standard area.
^d Maximum 2 aggregate limit of claims per year, on top of Home content protection.

Subject to amounts shown in policy documents

^#Only applicable to Comprehensive plan.

^*Only applicable to Comprehensive plan with optional Building coverage.

^{^}The cashless approach is limited to standard hour and standard area.

From December 15, 2023, to December 31, 2024, individual customers who successfully apply for the Breezy Home Insurance Plan can register through Zurich Life's designated platform to receive a free term life coverage of HKD 100,000 (no health underwriting required). The coverage period is 6 months. The offer is only applicable to Hong Kong permanent residents living in Hong Kong and aged between 19-66 (age next birthday). This free term life coverage is underwritten by Zurich Life Insurance (Hong Kong) Limited. For details, please refer to the coverage summary and terms and conditions.

The registration link for this offer will be displayed on the page after your successful policy application and in your policy confirmation email.