HomeShield Insurance

At a Glance

Comprehensive Home Contents Cover

Protect your home contents against a range of unforeseen incidents such as fire, typhoon, water damage, burglary.

Replacement to window caused by typhoon

Cover the replacement to window caused by fire, explosion, lightning, earthquake, typhoon, storm, flood, riot.

Third-party liability coverage of up to HK$10,000,000

Whether you are the landlord (occupier) or tenant, a full liability covers up to HK$10,000,000 in the event of your negligence causing third party injury or property damage.

Worldwide Protection of Personal Belongings

Your family members and you can also be protected overseas. Wherever you travel, your personal belongings or valuables that you carry are protected against loss or damage at no additional cost.

Your home is a place to enjoy your life with your family. Safeguard your home with HomeShield Insurance – an affordable home contents insurance plan underwritten by Chubb Insurance Hong Kong Limited.

Latest promotions

25% premium discount

You can enjoy an extra HK$300 first-year e-Premium Coupon instant redemption if the premium after applying discount is less than HK$2,000 (promo code: HS300).

You can enjoy an extra HK$500 first-year e-Premium Coupon instant redemption if the premium after applying discount is HK$2,000 or above (promo code: HS500).

Net premium payable after 25% premium discount (HK$)	Promo Code	Extra reduction on the first-year premium payable (HK$)
Less than 2,000	HS300	300
2,000 or above	HS500	500

The promotional offers are subject to Terms and Conditions.

Apply OnlineBy clicking the “Apply now” button, you will be leaving our website to access Chubb’s website where their terms of use and privacy policies will apply to you. Please ensure that you understand Chubb’s product features and terms before purchasing.Apply NowFor enquiry, please call DBS Chubb Insurance Service Hotline at (852) 3191 6618
(Office Hours: Mondays to Fridays, from 9:00am to 6:00pm, excluding public holidays)

Features and Benefits

HomeShield Insurance

	Plan I (in HKD)	Plan II (in HKD)	Plan III (in HKD)
Home Contents	HK$500,000 per policy year	HK$1,200,000 per policy year	HK$3,000,000 per policy year
Any Unforeseen accidental loss of or damage to Home Contents, such as by fire, typhoon, explosion, burglary, flooding
Furniture or home appliances (e.g. leather sofa, hi-fi)	HK$50,000 per item / set / collection	HK$100,000 per item / set / collection	HK$100,000 per item / set / collection
Valuable property (e.g. jewellery, watches)	HK$150,000 per policy year HK$15,000 per item	HK$300,000 per policy year HK$15,000 per item	HK$500,000 per policy year HK$15,000 per item
Household Removal	HK$100,000 per policy year	HK$100,000 per policy year	HK$150,000 per policy year
Accidental damage to Home Contents during the course of removal by professional mover
Temporary Removal	HK$50,000 per policy year	HK$50,000 per policy year	HK$50,000 per policy year
Accidental damage to Home Contents while being kept in other premises due to renovation, cleaning, etc.
Alternative Accommodation	HK$50,000 per policy year	HK$50,000 per policy year	HK$100,000 per policy year
Cost of temporary accommodation when home is damaged and made uninhabitable by accident	HK$1,500 per day	HK$1,500 per day	HK$3,000 per day
Replacement of Door Locks, Windows and Keys	HK$2,500 per policy year	HK$2,500 per policy year	HK$5,000 per policy year
Replacement of locks and keys due to damage by burglary
Frozen Food & Drinks	HK$5,000 per policy year	HK$5,000 per policy year	HK$10,000 per policy year
If food & drinks in the freezer rot due to the freezer failure
Domestic Helper Personal Effect	HK$1,500 per year HK$500 per item	HK$1,500 per year HK$500 per item	HK$1,500 per year HK$500 per item
Any accidental loss of or damage to domestic helper’s Contents
Replacement of Glass	HK$2,000 per policy year	HK$2,000 per policy year	HK$5,000 per policy year
Accidental loss caused by fire, explosion, lightning, earthquake, typhoon, storm, flood, riot
Personal Liability	HK$10,000,000 per event	HK$10,000,000 per event	HK$10,000,000 per event
Protects you and your family members against any Legal Liability in the event of you or your family member's negligence causing third party Injury, or property damage
Worldwide Personal Belongings and Valuables	HK$50,000 per policy year	HK$50,000 per policy year	HK$100,000 per event
Personal belongings (e.g. watches or clothes)	HK$10,000 per event HK$5,000 per item	HK$10,000 per event HK$5,000 per item	HK$10,000 per event HK$5,000 per item
Money	HK$2,500 per event	HK$2,500 per event	HK$2,500 per event
Unauthorised Use of Credit Cards	HK$10,000 per event	HK$10,000 per event	HK$10,000 per event
Personal Documents	HK$1,000 per year	HK$1,000 per year	HK$1,000 per year
Sports Equipment	HK$1,500 per year	HK$2,500 per year	HK$2,500 per year
24-Hour Home Assistance Service	Referral Service is provided	Referral Service is provided	Referral Service is provided
Locksmith, plumber, electrician, air-conditioner engineer, home cleaning, general repair assistance etc.
Excess (for each and every claim)
Contents	HK$250	HK$250	HK$250
Household Removal	HK$1,000	HK$1,000	HK$1,000
Landslip and Subsidence	HK$10,000 or 10% of adjusted loss whichever is greater	HK$10,000 or 10% of adjusted loss whichever is greater	HK$10,000 or 10% of adjusted loss whichever is greater
Worldwide Personal Belongings and Valuables	HK$250	HK$250	HK$250

Frequently Asked Questions

Is there any limitation on the building age?

Yes. The premise or building must be less than 40 years of age.

Is there any restriction on the type of property?

Yes. HomeShield Insurance is not applicable for sub-divided homes, sub-let property and village houses or the like.

My premise is on the ground floor of the building, can I apply for HomeShield Insurance?

No, HomeShield Insurance is not applicable for premises situated on ground floor.

Does Homeshield Insurance cover an overseas property?

No. The property must be located in Hong Kong SAR.

Can I apply for HomeShield Insurance if I am currently renting a residential premise?

Yes. In your capacity as a tenant, HomeShield Insurance provides coverage for your contents and personal belongings as well as those owned by your family members living in the same premise.

Do I need to provide a detailed list of the contents in my premise?

No. You just need to choose the plan with the Sum Insured that represents the full value (as new) of your Contents and Renovations (including those of your family members residing with you).

How can I pay for the policy?

You can pay annually by credit card (Visa and MasterCard).

How do I renew the policy before expiry?

HomeShield Insurance will be renewed automatically provided that the premium is received by Chubb.

How to Make a Claim

Submitting claims

You can call DBS Chubb Insurance Service Hotline at (852) 3191 6618 (Monday to Friday, 9am to 6pm, excluding public holidays) or email to [email protected] for any enquiries on how to submit a claim.

Processing duration

Upon receiving your claim and all supporting documentation, we will begin assessing your claim, which will take 5-7 business days. Once your claim is accepted, you will be reimbursed via cheque or bank transfer within the following 5-7 business days.

Important Notes

The above insurance plans are underwritten by Chubb Insurance Hong Kong Limited ("Chubb"). Chubb reserves the right of final approval. DBS Bank (Hong Kong) Limited (the "Bank") is an insurance agent authorised by Chubb.
DBS Chubb Insurance Service Hotline is a dedicated enquiry hotline for DBS customers serviced by Chubb.
This policy will be automatically renewed upon the policy expiry date of each subsequent policy year unless written cancellation notice has been given to Chubb.
Major Exclusions apply: War, terrorism, scratching, corrosion, wear and tear, mechanical or electrical breakdown, home unoccupied for more than 30 consecutive days, malicious damage or vandalism by a person residing lawfully in the home, contact or corneal lens, mobile or portable telephone, etc.
The above information are the highlights of plan’s coverage only. For the plan's details, please refer to the terms and conditions and exclusions of the policy. In the event of any discrepancy between English and Chinese version, the English version shall prevail.
In the event of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre) arising between the Bank and the customer out of the selling process or processing of the related transaction, the Bank will enter into a Financial Dispute Resolution Scheme process with the customer.
Any disputes over the contractual terms of the policy should be resolved directly between Chubb and the customer.

Under the “Insurance Ordinance”(Cap. 41), the Insurance Authority (IA) has started to collect the levy on insurance premiums from policyholders through insurance companies from 1 January 2018. For more details, please refer to: www.ia.org.hk/en/levy.