1. Comprehensive Liability coverage with free 1st layer Limit of RMB 1.6 million
2. Free of Charge for your Employer's Liability to 1 domestic servant
3. Multiple automatic extensions to resort to in emergencies
4. Worldwide All Risk cover for cash, jewelry, laptop and etc.

Brief Introduction

Basic Coverage

1. Building
   Protection for residential flat including its structure, hard decoration and other fixtures and fittings therein against accidental physical loss or damage due to covered risks such as fire, explosion, water damage & theft, etc.
2. Contents
   All Risks Protection covers loss or damage to home contents i.e. soft decoration, furniture, household appliances against accidental loss occurring within insured premise

Optional Coverage

1. All Risks on Personal Belongings
   Worldwide Protection against accidental loss or damage to personal effects & valuables i.e. jewelry, watches, laptop and cash etc.
   
2. Domestic Servant
   Bodily injury arising out of and in the course of his/her employment
   
3. Liability（Including Tenant's Liability、Worldwide Personal Liability、Owner's Liability in Common Area）
   Your legal liability to the bodily injury or property damage of third parties
   

Bonus Benefits

1. Loss of rent
2. Cost of alternative accommodation
3. Breakage of fixed glass
4. Removal of debris
5. Professional fees
6. Household removal within Shanghai
   (including temporary storage up to 3 days)
   

Coverages with Free of Charge

1. Liability for ONE domestic servant
2. Third Party Liability cover with limit of indemnity up to RMB1,600,000