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.

Some of the examples are furniture, fixtures, fittings, household goods, laptop computers¹, 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 products¹

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. Zurich 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.