BPI MS HOME CARE ADVANTAGE

ENJOY THESE BENEFITS

Acts of Nature Coverage
- Feel confident knowing your home and/or its contents are covered in case of typhoon, flood, fire or earthquake

Accident Protection
- Secure your household from the financial effects of accidents occurring within your home's premises

Liability Protection
- Enjoy comprehensive personal liability coverage for damages incurred to third-parties from debris coming from your property

Robbery & Burglary Cover
- Enjoy protection for the value of your belongings in case of stolen items or property damage due to forced entry


Frequently Asked Questions

Why should I avail of BPI MS Home Care Advantage?
- Your home is a product of your hard work. You built this to create treasured memories with your family and enjoy a life of comfort.

- Unfortunately, all of these can be taken away when natural or man-made events strike, and usually they happen without warning. This puts all that you've built at risk. The cost of repairs or replacement can easily add up, deplete your savings or, worse, push you to debt. With BPI MS Home Care Advantage, a reliable comprehensive home coverage, you can safeguard your home and/or its contents, giving you the peace-of-mind that you've always envisioned when you started to build your home. You can save yourself and your family from the financial heartbreak and emotional distress by ensuring you are prepared for such unexpected challenges.

What makes BPI MS Home Care Advantage different from BPI MS Fire & Lightning?
- The BPI MS Fire & Lightning package is a basic home protection solution that safeguards from cost to recover from a fire incident or in case your house is struck by lightning.

- The BPI MS Home Care Advantage is a comprehensive package that includes coverage for damages caused by Typhoon, Flood, Earthquake and Fire. The benefits extend beyond natural calamities as it also includes man-inflicted damages such as robbery and malicious damage.
The BPI MS Home Care Advantage are available to properties in select locations and specific parameters.

Why is there an online property assessment?
- The online property assessment helps us determine which of our packages are best suited for your property.

- At BPI MS, we follow specific underwriting parameters to identify properties that meet the criteria for preapproved conditions.

- If your property does not qualify through the online assessment, don’t worry—we can conduct a more detailed evaluation. Simply fill out the inquiry form below, and a representative from BPI MS will get in touch with you.

How much is the premium of BPI MS Home Care Advantage?
- The premium of BPI MS Home Care Advantage varies depending on the total sum insured that you are applying for.

- To give you an idea, a 2-storey property located in Bel-Air, Makati with Galvanized Iron Roofing and Concrete Walls, and with a Total Sum Insured of ₱ 5 Mn for Building and Contents may cost ₱ 16,340.00 excluding taxes.

You may refer to the table below for details and compare premiums of BPI MS Fire & Lightning vs BPI MS Home Care Advantage.

FIRE AND LIGHTNING
Coverage:
- Fire/Lightning
- Premium excluding taxes: ₱ 3,500.00
- Minimum Premium: ₱ 500.00

HOME CARE ADVANTAGE
Coverage:
- Fire/Lightning
- Earthquake
- Typhoon
- Flood
- Extended Cover
- Riot, Strike and Malicious Damage
- Premium excluding taxes: ₱ 16,340.00
- Minimum Premium: ₱ 3,000.00

What is total sum insured?
-Total sum insured refers to the amount of insurance that you want to apply for. The total sum insured is usually based on the property owner’s estimate on the value of the building and/or contents being insured.

-We highly suggest you to be critical in evaluating the value of your property. This will lessen the possibility of being underinsured and not having enough to cover your losses in the event of a valid claim.

I plan to buy a property via BPI Housing Loan. The bank requires me to get me fire/home insurance, can I buy thru this website?
- You may reach us through the inquiry form and will contact you. Make sure to provide the correct contact information so that we can reach out to you as quickly as we can.

I live in a townhouse wherein houses are adjacent to each other. Can I purchase a home insurance through this website?
- If you live in a townhouse, you may email us a message through the inquiry form or direct email us at cvelasquez@insureassist.ph

I have provided the location of my house and the materials of the structure. Why am I only offered with a Fire Coverage? I am interested to also get earthquake, typhoon and flood cover.
-Packages offered to you are based on the initial information that you have provided in the Property Assessment Screens.

- If you wish to get coverage beyond the offers presented to you, you may request for such by using the inquiry form.

I own a property in a gated subdivision. The property is single-detached and has open spaces on all sides. I am using the said house as a warehouse for my small business. Can I get a home insurance from this website for the said property?
- If the property is being used for other means, like business operations, you may contact us directly by using the inquiry form.

How do I file a claim?
- In case of claim, you or your beneficiary may notify BPI MS Claims Department through:

- Hotline No: 8840-9999 / 8840-9966

- Email: bpimsclaims@bpims.com

-Mail: 11F 6811 BPI-Philam Life Makati, Ayala Ave., Salcedo Village, Bel-Air City of Makati 1209

You will then be advised of the documents that you need to provide to complete your claim.