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Home Protection Insurance

This insurance product is underwritten by Fidelidade Macau – Insurance Company Limited and distributed by BNU.

Choose your annual payment and get 10% discount

Building your personal dream home takes a lot of inspiration and effort. However, keeping it in good condition is not enough.  Accidents like fire, flooding, typhoon, burglary or other unexpected event could damage and ruin it all.  A comprehensive home protection plan is a must for every home.

Fidelidade Macau understands your need and introduces household insurance “Home Protection” as your solution.  This plan offers a comprehensive protection to your household contents, personal belongings and third party liability, giving you total peace of mind and enabling you to enjoy the comforts at home!


  • Different Plans that Fit Your Needs
  • Worldwide Coverage for Personal Effects
  • Optional Coverage for Golfer
  • Simple Application & Easy Payment Method
  • No Claim Bonus
  • Extra Discount for Annual Premium Payment


  • Household Contents & Valuables: Insure against loss of or damage to household contents caused by fire, flooding, typhoon or burglary
  • Worldwide Coverage for Personal Effects & Valuables: Insure against accidental loss of and damage to personal effects and valuables occurring anywhere in the world
  • Accidental Death Benefit: Death arising from fire, lightning or explosion or cause by robbery
  • Personal Liability: Accidental death, injury or damage or loss of property to third party arising from home


* All the limits are sub-limits of the maximum limit stated for Section 1.
# Worldwide coverage
^ All the limits are in addition to the maximum limit stated for Section 1.



  • Wear, tear, scratching or depreciation
  • Moths, woodworm, beetle or other insects and vermin
  • Electrical or mechanical breakdown
  • Misuse or use contrary to manufacturers’ instructions
  • Mysterious disappearance or unexplained loss
  • Loss or damage to motor vehicles
  • Credit cards, securities, certificates and document of any kind
  • Spectacles or contact lenses
  • Mobile or portable telecommunications equipment and the like
  • Business equipment
  • Damage to data or software
  • Sports equipment while in use (except Optional Coverage – Golfer)
  • Any part of the home is lent or let
  • Illegal structure attached to home and/or building
  • Nuclear energy or radioactivity of any kind



1.Premium must be settled by BNU credit card.
2.Premium is inclusive of 10% annual premium discount.


If no claim has been made in the period of insurance, you are entitled to a no claim discount on renewal premium.
  • No claim in preceding year: 10%
  • No claim in preceding two years: 15%
  • No claim in preceding three years or more: 20%

The above information is for reference only.  For a complete description of terms and conditions, please refer to the policy.