Online Exclusive 20% Off
Breezy Home
Insurance Plan
(Landlord Insurance)
Make your life easier with our tailored landlord protections.
Apply now with promo code "HOME20" to enjoy an online exclusive 20% first-year premium discount. Offer ends on February 1, 2026. Terms and conditions apply.
Why should you choose this plan?
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
|
Breezy Home |
Common features of other home insurance products in the market |
|
|
Special coverages |
Outdoor properties |
Not common to cover outdoor property |
|
Emergency home assistance service |
Cashless onsite support for plumbing, electrical or locksmith assistance is available* |
Most products only provide referral service |
|
Claims submission |
eClaim is available without requiring an app. |
Usually submit via app/ email/ post/ fax |
|
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)
Learn more
| 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 |
| Section 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.
#Only applicable if you have selected Optional Benefit – Building.
*The cashless approach is limited to standard hour and standard area.
The insurance plan is underwritten by Zurich Insurance Company Ltd (a company incorporated in Switzerland with limited liability).
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.