We understand that your property is more than just a source of rental income today – it is your future. As a landlord, you want to ensure your property remains in good condition so you can maximise its value and reap the benefits for years to come. As such, we have created our Landlord Protector with these specific needs in mind, and to offer you comprehensive protection for your property assets and future financial arrangements.

Landlord Protector Insurance Limited Time Offer Landlord Protector Insurance Limited Time Offer From 9 January 2025 to 31 December 2026, Fubon Credit Card customer successfully enroll in Landlord Protector Insurance with Promo Code “FBCCPD” to enjoy the following discount offer (“Discount Offer”): Enrollment Period Discount Offer First Year Enrollment / Renewals from 2nd year onwards 30% discount Enroll now to enjoy 30% discount! Enroll now to enjoy 30% discount! Discount Offer information is provided by MSIG Hong Kong. Should there be any enquiries regarding Discount Offer or insurance product, please contact MSIG Hong Kong Customer Service Hotline 3122 6880 during office hours. Office hours of MSIG Hong Kong Customer Service Hotline office hours are Monday to Friday, 9:00 am to 5:30pm. Premium Discount Offer is subject to terms and conditions as set out below. Fubon Bank (Hong Kong) Limited is not responsible for any matters related to the Discount Offer, related products and services are between you and MSIG Hong Kong. Should there be any dispute over the Discount Offer, MSIG Hong Kong’s decision shall be final and conclusive. To borrow or not to borrow? Borrow only if you can repay! For the terms and conditions of Landlord Protector Insurance Discount Offer, please click here.

Benefits Table

Contents (Basic cover)	Maximum Benefits Payable Per Year (HK$)
	Gross Floor Area (sq. ft.)
	800 or below	801-1,000	1,001-1,200
	Saleable Floor Area (sq. ft.)
	640 or below	641-800	801-960
Accidental loss or damage to your contents	200,000	300,000	400,000
• Limit per item, set or collection	15,000	15,000	15,000
Household improvements	50,000

Contents (Extra benefits)	Maximum Benefits Payable Per Year (HK$)
Damaged locks	5,000
Removal of debris	10,000
Temporary removal of contents	50,000
Landslip and subsidence extension	Covered
Alterations and repairs contact (contract period not exceeding two months and within maximum contract value of HK$100,000)	Covered
Eco Living Coverage • Additional cover for each eligible lost or damaged item	1,000 or 10% of the purchase price of the replacing item, whichever is lower

Loss of rent (Basic cover)	Maximum Benefits Payable Per Year (HK$)
Loss of rent	$80,000 or total rent of maximum three
If your premises is uninhabitable due to accidental loss of or damage to contents as insured	Covered
If access to your premises is prevented by damage to other premises in the vicinity	Covered
If your tenant dies from murder or suicide and no one is paying the rent	Covered
If your tenant fails to pay the rent and you have i) taken legal action ii) obtained court judgement iii) could not receive the payment within one month after the court ruling	20,000

Property owner’s liability (Free cover)	Maximum Benefits Payable Per Year (HK$)
	Gross Floor Area (sq. ft.)
	800 or below	801-1,000	1,001-1,200
	Saleable Floor Area (sq. ft.)
	640 or below	641-800	801-960
Any claim against you as the owner of the insured premises in the event of accident causing third party’s bodily injury or property damage • Per occurrence	5,000,000	6,000,000	8,000,000
Your legal liability as the owner of the insured premises whilst alteration or repair works are carried out at the insured premises. (Contact period not exceeding two months and within maximum contract value of HK$100,000)	Covered

Building1 (Optional cover)	Maximum Benefits Payable Per Year (HK$)
Accidental loss of or damage to the structural part of your premises	Sum insured2
Landslip and subsidence extension - loss of or damage to the structural part of your premises directly caused by landslip or subsidence	Covered

Important Notes

1. The premises or building to be insured must be less than 40 years of age.
2. The sum insured for the Building cover should represent the full cost of rebuilding the insured premises (including the costs of fixtures and fittings, renovation, debris removal, professional fees and compliance costs)
3. The premises or building to be insured must be for residential use. No industrial or commercial buildings will be covered.
4. An enforceable Tenancy Agreement shall be effective on/before the Policy Commencement Date and agree to present the Tenancy Agreement upon request.

Premium Table^

Premium Table^{^}

Basic Cover
Gross Floor Area (sq. ft.)	Saleable Floor Area (sq. ft.)	Annual Premium (HK$)
800 or below	640 or below	798
801-1,000	641-800	1,088
1,001-1,200	801-960	1,388
Over 1,200	Over 960	Special quotation
Optional Cover
Building		Sum insured x 0.09%

^{^}Collection of Levy on Insurance Premium - The Insurance Authority (IA) has announced the collection of levy on insurance premium under the “Insurance Ordinance” with effect from 1st January 2018. As a result, all premium amounts shown in this product factsheet are subject to levy.
^*Monthly Premium is calculated from Annual Premium divided by 12 months and round up to the nearest dollar for illustration only. The actual Monthly Premium including levy will be stated on the policy schedule.



*For enquiries, please call MSIG Hotline 3122 6880 during office hours for more details.
Office hours: Monday to Friday: 9am to 5:30pm (except public holidays).

Click Here to enroll in Landlord Protector Insurance
Click Here to get information

Terms and Conditions

Major Exclusions For all sections Sub-divided home or sub-let premises Insured premises that are situated in a building where sub-divided flats are known to exist Insured premises that are used for business purposes or as a holiday home Illegal structure exists in the insured premises The above is a summary of the Major Exclusions only. For details, please refer to policy provisions. Major Excess Household contents Excess amount (HK$) General items 500 Landslip and subsidence 10,000 or 10% of adjusted loss, whichever is greater Water damage 1,000 or 5% of adjusted loss, whichever is the greater Personal liability Excess amount (HK$) Water damage 3,000 or 10% of adjusted loss, whichever is the greater Building Excess amount (HK$) Landslide and subsidence 10,000 or 10% of adjusted loss, whichever is the greater Other causes 250 In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail. The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.

Important Note: The above insurance plans are underwritten by MSIG Insurance (Hong Kong) Limited ("MSIG"). MSIG reserves the right of final approval and amendment of the above products. In case of disputes, the decision of MSIG shall be final and binding. The above information is intended as a general summary. It is for reference only and is not an offer for subscription of any insurance product and does not constitute any part of the insurance contract. The policy may contain Terms and Conditions which are not detailed in the above. If there is any discrepancy between the information contained in the above and the Terms and Conditions of the policy, the Terms and Conditions of the policy shall prevail. For exact Terms and Conditions and details of the coverage and exclusions, please refer to the relevant policy or contact MSIG. During the insured period, the Proposer/Policyholder must inform MSIG immediately in case of any changes of Insured details such as address, otherwise MSIG reserves the right to decline any claims the Proposer/Policyholder made. The Insurance Authority will collect a levy on insurance premiums (if any) from policyholders through MSIG Insurance (Hong Kong) Limited in accordance with the law. For further information about the levy imposed by the Insurance Authority, please refer to Insurance Authority Premium Levy introduction website www.ia.org.hk/levy or Fubon Bank Premium Levy introduction website. *Collection of Levy on Insurance Premium The Insurance Authority (IA) has announced the collection of levy on insurance premium under the “Insurance Ordinance” with effect from 1st January 2018. As a result, all premium amounts shown in this product factsheet are subject to levy.

Remarks: a. MSIG Insurance (Hong Kong) Limited ("MSIG") is the insurance underwriter of the above insurance plan and is authorized and regulated by the Insurance Authority. MSIG Insurance (Hong Kong) Limited is solely responsible for all approvals, coverage and compensation under this policy and reserves the right of final approval and decision on such matters. b. MSIG Insurance (Hong Kong) Limited is not a subsidiary or an affiliate of Fubon Bank (Hong Kong) Limited (“Fubon Bank”). c. Fubon Bank is the licensed insurance agency appointed by MSIG Insurance (Hong Kong) Limited, and is responsible for introduction of the insurance plans. The Plan is not the product of Fubon Bank. Fubon Bank is not responsible for any terms or obligations of the Plan. d. In case you file a written complaint regarding the selling process or processing of the related transaction to Fubon Bank and the complaint is an “Eligible Dispute(s)” as defined in the Terms of Reference for the Financial Dispute Resolution Centre, Fubon Bank is required to enter into a Financial Dispute Resolution Scheme process with you if the Eligible Dispute cannot be resolved after Fubon Bank has issued the final written reply. If the complaint / dispute is related to the policy terms and conditions, it should be resolved directly between MSIG Insurance (Hong Kong) Limited and you. Nevertheless, where practicable and appropriate, Fubon Bank will provide reasonable assistance to customers in the dispute resolution process. e. MSIG Insurance (Hong Kong) Limited is a wholly-owned subsidiary of MS&AD Insurance Group Holdings, Inc. and its principal place of business in Hong Kong is at 9/F Cityplaza One, 1111 King’s Road, Taikoo Shing, Hong Kong. f. The English version shall prevail in case of inconsistency between the English and Chinese versions.