[Online Exclusive] Apply now with promo code "HOME20" to enjoy 20% first-year premium discount. Offer ends on June 2, 2024. Terms and conditions apply.
Why should you choose this plan?
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Multiple protections for you and your property
Home coverage
- Covers the cost of replacing or repairing your home contents, such as furniture, fixtures, interior decorations and household goods owned by you, due to accidental damage
- Legal liability coverage: gives you extra peace of mind for the legal liability to another person’s bodily injury or property damage
Tailored landlord protection
- When tenant has not paid the rent according to the terms and conditions of Tenancy Agreement, we will compensate you for the loss of rent for up to six months (max. HKD 20,000 per month)
Support in various situations
- Offers cashless emergency assistance services on electrical, plumbing, and locksmith*
- Protects you and your property against emergency situations, saving your time and effort to handle tenants’ issues
Elements of sustainability
- Gives you extra peace of mind for the owner’s liability arising from using EV charger in your premises
- Covers the damage to solar panel within the insured location#
- Provides recycle referral service
Reasons why you'll love Breezy Home
Comparison of home protection
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Breezy Home |
Common features of other home insurance products in the market |
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Special coverages |
✓Outdoor properties |
Not common to cover outdoor property |
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Emergency home assistance service |
Cashless onsite support for plumbing, electrical or locksmith assistance is available* |
Most products only provide referral service |
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Claims submission |
eClaim is available without requiring an app. |
Usually submit via app/ email/ post/ fax |
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Sustainability features |
✓ Cover green equipment including solar PV panel and EV charger# ✓ Perform carbon offset for your household electricity consumption ✓ Renewal discount will be rewarded for your year-on-year household electricity saving |
Not common to have sustainability features |
Frequently asked questions (FAQ)
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Do I need to buy home insurance for my property if the tenant has already bought it?Liability owed by landlords and householders can differ, as such, it is recommended that both the landlord and the householder should buy a home insurance plan respectively to maximize protection. For instance, if a passerby is injured by a falling window frame (or household items), the landlord may need to share the responsibility to pay for the treatment cost of the injured.
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What items are classified as home contents?Some of the examples are furniture, fixtures, fittings, household goods, with exclusions. Please refer to the Definitions of the policy wording for detailed definition.
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What is the difference between home contents and building structure?
Home contents refer to:
Indoor home coverage
- Fixtures, fittings, furniture, household goods
- Personal effects, valuables, money, collection (stamps, coins, or medals)
- 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 all-rounded home protection, you are recommended to add the building optional coverage.
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Under what circumstances I might be accountable for legal liability?As the landlord of a property, you are accountable for certain liabilities. For example, if a leak originates from your property and affects the household downstairs, you may be expected to cover the damages incurred by the leakage, even though you are not the resident living there. Under such circumstances, our Breezy Home (Landlord Insurance) will provide you with extra peace of mind.
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How to join our Carbon Neutrality Campaign concerning the household carbon emissions by electricity consumption?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.
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What is the reward for saving household electricity?Simply login to OneZurich to complete the Carbon Neutrality Campaign enrollment form, Zurich will reward the policyholder with a renewal discount if there is a year-on-year electricity saving on the same household. Please click here for details.
Learn more
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Table of Benefits
Table of Benefits Landlord (HKD)
Section 1 – Home Content Protection1
Total sum insured 250,000/year 1.1 Indoor Home content 100,000/set 1.2 Outdoor Property
2,500/item; 50,000/accident 1.3 Supporting you in various situations (a) Damage by firemen As per section 1.1 (b) Debris removal and temporary removal 50,000/accident (c) Interior renovation period 100,000/accident Section 2 – Legal Liability2 (a) Owner's liability 10,000,000/year (b) Owner's liability in common area Section 3 – Home Assistance Services
3.1 Emergency assistance services on Electrical, plumbing, locksmith Cashlessa 3.2 Recycling and other services Referral Only Referral Only Section 4 – Landlord Protectionb Loss of rent 20,000/month
Max 6 monthsSection 5 – Building3 (Optional) 5.1 Accidental damage to the building
(Including EV Charger and Solar PV System located within insured location)On rebuilding cost/accident 5.2 Debris removal 5% of rebuilding cost/accident 5.3 Architects’ and surveyors’ fee 5% of rebuilding cost/accident 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 5：For each and every loss from: 1) HKD1,000 for water damage, typhoon, windstorm or landslip and subsidence 2) HKD500 for others
Remarks
a Limited to standard hour and standard area.
b Provided that you have (i) taken legal action against your tenant; and (ii) obtained court judgement against your tenant on the outstanding rent; and (iii) failed to receive the outstanding rent within one month after the court judgment is handed down
Subject to amounts shown in policy documents. -
Policy wording
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Remarks
#Only applicable if you have selected Optional Benefit – Building.
*The cashless approach is limited to standard hour and standard area.
From December 15, 2023, to May 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.
The information contained herein is for reference only and does not constitute any part of the insurance contract. For full terms and conditions and exclusions, please refer to the policy document which shall prevail in case of inconsistency. In the event of any discrepancy between the English and Chinese versions, the English version shall prevail. Zurich Insurance Company Ltd reserves the right of final approval and decision on all matters.