Survey of Home Insurance Products in the market

	AXA SmartHome	Blue Cross Homesafe	Federal Masterpiece	Generali Home Package	MSIG Home Delux
Home Contents	HKD 1,250,000.00	HKD 1,000,000.00	HKD 1,200,000.00	HKD 1,000,000.00	HKD 1,000,000.00
Household items	10% of sum insured per article	50,000 per article	No article limit	50,000 per article	No article limit
Valuables	1/3 of sum insured	1/3 of sum insured	No article limit	10% of sum insured	1/3 of sum insured
Money	2,500	2,000	5,000	5,000	2,500
Alternative accomodation	90,000	50,000	up to 12 months of your household's normal standard of living	30,000	150,000
Worldwide Personal Possessions	30,000	15,000	No article limit	2,500	30,000
Personal Liability	5,000,000.00	5,000,000.00	10,000,000.00	75,000,000.00	75,000,000.00
Personal Accident	50,000.00	400,000.00	N/A	250,000.00	50,000.00
Total Annual Premium	1,xxx	1,xxx	8,xxx	1,xxx	6,xxx
Excess	HK$500 or above	HK$500 or above	HK$2,000 or above	HK$500 or above	HK$250 or above
Special Features	1) Low Premium 2) Standard coverage 3) Low excess	1) Low Premium 2) Standard coverage 3) Low excess 4) High limit personal accident cover	1) Comprehensive cover 2) No article limit 3) Worldwide cover 4) Full replacement cost 5) Additional living cost	1) Low Premium 2) Standard coverage 3) Low excess	1) No article limit 2) Free cleaning service 3) Low excess
Conclusion	Best suit for apartment size below 1,000 sqft	Best suit for apartment size below 1,000 sqft	Best suit for big house and apartment with jewellery and art collections	Best suit for apartment size below 1,000 sqft	Best suit for big apartment with valuable items