HOMESAFE PROTECTION INSURANCE

HomeSafe Protection Insurance - Exclusions
This insurance is underwritten by: Blue Cross (Asia-Pacific) Insurance Limited

Excess*
For each and every claim	Non-Low Rise House	Low Rise House
	Building age not exceeding 30 years
Applicable to Household Contents and Optional All-risk Coverage for Building
- Loss or damage except caused by fire, lightning or explosion	HK$500	HK$3,000
- Loss or damage caused by water damage, landslip or subsidence	HK$2,000 or 10%	HK$3,000 or 10%
Applicable to Public Liability
- Third party property damage	HK$2,000
- Water damage to third party property	HK$2,000 or 10%
Applicable to Interior Alterations or Repairs
- Loss or damage caused to home contents, building or third party property	HK$10,000 or 10%
*The greater of the first amount or stipulated percentage of the adjusted loss for each and every claim as specified in the table above will be treated as Excess.
Major Exclusions
Wear and tear, mildew, mold, moisture, rot, corrosion, rust, gradually deterioration, market depreciation, the action of light or atmosphere and gradually operating causes. Theft or attempted theft not accompanied with forcible or violent entry to or exit from the home leaving visible marks. Breakdown and / or mechanical malfunction of electrical appliances and computer equipment. Leaving property behind and unattended. Wilful act, deliberate act, recklessness, malicious acts or vandalism. Fines, penalties, punitive or exemplary damages. Any act of terrorism.

The above information is only a summary for general reference only. Please refer to the policy document for exact terms and conditions and details of the exclusion.
If discrepancy exists between the English version and the Chinese version, the English version shall prevail.
All insurance transactions must be arranged within the territory of the Hong Kong Special Administrative Region.