Summary of Zurich Comprehensive Home Insurance
Overview of insurance coverage
A. Basic coverage
- Home contents coverage
Benefit: We’ll be liable for loss of or damage to home contents due to the following reasons.
fire, explosion, smoke, bursting of water and heating pipes; lightning and thunder strike, flood, rainstorm, hail, heavy snow, ice flood, typhoon, windstorm, tornado, cyclone, mud-rock flow, soil/rock/cliff collapse, sudden ground subsidence, sudden landslide; collision of the residence of the insured with any aircrafts, or any other aerial devices, or articles dropped therefrom, or any road vehicles; theft and robbery.
Extended Water Leakage benefit, covering losses incurred to household property due to leakage of the neighbor.
Special Environment-Friendly Benefit for Electronic Appliances
In case of losses within the above coverage, causing unrepairable damages or total loss of the covered refrigerators, air conditioners (including split and vertical), electronic washing machines, gas water heaters, gas heating stove (wall-mounted heating stove), and energy-saving lamps, if you decides to purchase electronic appliances of level one energy efficiency, we shall make an additional payment valued at 10% of the said appliances. If you take the initiative to contact our authorized vendors for recycling of the appliances, we shall reimburse the insured 300 Yuan. - Premise third party liability coverage:
We’ll pay compensation in respect of death of or bodily injury to and/or material loss or damage of any third party caused by an accident against the legal liability of the insured and/or his or her family member(s). The deductible of any one accident is RMB 500 Yuan.
B. Optional coverage
- Additional coverage for specified valuables: In the event an insured peril causes loss of or damage to the insured valuables, we’ll, within the limit of indemnity, be liable to indemnify the insured. The deductible of any one accident is 10% of the loss amount.
- Home building coverage: The insurer shall be liable for loss of or damage to home building and its auxiliary facilities caused by or resulting from the following reasons：fire, explosion, lightning and thunder strike, smoke; flood, rainstorm, hail, heavy snow, ice flood, typhoon, windstorm, tornado, cyclone, mud-rock flow, soil/rock/cliff collapse, sudden ground subsidence, sudden landslide; collision of the residence of the insured with any aircrafts, or any other aerial devices, or articles dropped therefrom, or any road vehicles.
- Earthquake coverage: The insurer shall be liable for claims caused by or resulting from earthquake shake or fire or explosion or subsidence/gliding/crazing/bursting of terrain or dam-break caused by earthquake. It covers home building and/or home contents and/or additional coverage for specified valuables up to 80% of the sum insured of home building and/or home contents and/or additional coverage for specified valuables. The deductible of any one accident is RMB 500 Yuan.
- Tenant liability coverage: In the event the building and/or its auxiliary facilities and/or its contents rented and occupied by the insured for residential purposes are lost or damaged directly at the location specified in the policy, the insurer shall indemnify the insured for his or her legal liability therefore to compensate such loss or damage, up to the limit of liability specified in the policy. The deductible of any one accident is RMB 500 Yuan.
- Pet coverage(dogs only)
Pet accident coverage: It covers the medical and funeral expenses following a pet’s accidental injury. Under medical expenses coverage, the deductible of any one accident is 20% the sum of medical expenses. No excess applies to funeral expenses.
Pet third party liability coverage: The insurer shall indemnify the insured against the legal liability of the insured and/or his or her family member(s) to pay compensation in respect of death of or bodily injury to any third party that is caused by the insured pet within the territory of Beijing municipality. The deductible of any one accident is RMB 200 Yuan.
C. Supplemental riders
- Debris removal: In the event of a loss, the insurer covers the necessary costs of removing or cleaning debris, up to 5% of the sum insured of home contests and building coverage.
- Temporary cash allowance: If the lost or damaged home becomes unavailable for living, the insurer shall pay temporary cash allowance of an agreed value until the insured’s home is restored to a condition suitable for living. The maximum number of days of indemnity for any one claim is 30 days.
- ID replacement: In the event of a loss, the insurer covers reasonable costs of replacing passport, visas, bank cards, household registration book, ID card, driver’s license and motor vehicle’s registration certificate.
- Lock and window replacement (for theft and burglary): In the event of theft and burglary, the insurer covers the actual costs of replacing the locks to the home or reinstating the windows.
- Home relocation cash: In the event of a loss, if the lost or damaged home become unavailable for living, the insurer pays reasonable actual costs for the temporary relocation necessitated thereby.
- Architect or interior designer costs: In the event of a loss, the insurer shall indemnify the insured for necessary and reasonable actual costs of engaging architect(s) or interior designer(s).
- Temporary removal: If the contents are lost or damaged in the transit of temporary removal and whist contained in a closed premise other than the home specified in the policy, the insurer shall be liable for any loss or damage up to 5% of the sum insured of home contents coverage.
- Home removal: In the event of a loss, if a temporary removal is necessitated by the unavailability of the insured's home for living, the insurer shall be liable for loss of or damage to the content due to an insured peril occurred in the course of removal.
- Worldwide coverage of personal belongings: covers loss of or damage to personal belongings around the world.
We’ll provide tailor-made insurance plan for you according to your actual needs. And this document is for description purpose only. Please refer to the insurance contract for details. For information and enquiries, you are cordially welcome to call us at our customer service number (86) 400 615 5156 or (86) 10 8454 7766, or mail to us at gexian@zurich.com.
