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Home Content Protection

Feel more comfortable at home with a coverage of up to ₱50,000 for your valuables. With our Home Content Protection Plan, your appliances, electronics, furniture, and other home belongings are covered against any natural disaster or robbery. Enjoy staying at home with confidence as long as your plan is active!
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Protect your home valuables

What does Home Content Protection cover?

The Home Content Protection Plan covers all eligible products inside your home, whether they are purchased via Home Credit or not. This premium plan provides up to ₱50,000 of coverage for your valuables in case of damage or loss due to natural disasters or robbery.
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Traditional Enrollment
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Electronic Enrollment
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The list of items that you can declare under Home Content Protection coverage includes, but is not limited to, the following:

  • Appliances such as TV, refrigerator, microwave oven, and washing machine
  • Electronic items such as laptops, and desktop computer
  • Furniture such as sofa, cabinets, tables, bed
  • Clothes, bags and accessories
  • Sports equipment like E-bikes, bikes, barbell weights, treadmill
  • Musical instruments like guitar, piano
  • Dining and kitchen wares such as plates, bowls, pans, knives
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On top of the ₱50,000 coverage against damages on your belongings, you may also claim the following in case of fire:

  • Up to ₱10,000 reimbursement for fire fighting expense in case a private company was hired to close out the fire
  • Up to ₱10,000 reimbursement for expenses related to temporary removal of items from the residence for repair or restoration
  • Up to ₱50,000 reimbursement of additional rental expenses

Situations included in the coverage

You can request for reimbursement in case of damages due to any of the following situations

  • Typhoon
  • Earthquake
  • Flood
  • Lightning
  • Landslide
  • Fire (including due to spontaneous combustion, if occurred without application of external heat force)
  • Riot, Strike, Malicious Damage
  • Robbery/Burglary that occurs inside declared areas of the residence
  • Smoke, Falling Aircraft, Vehicle Impact & Explosion

Please note that claim request approval varies from case to case based on the assessment of the service provider.

Situations not included in the coverage

OOn the other hand, here are some items and damages that are not eligible for Home Content Protection coverage:

  • Cash and jewelry
  • Antiques and works of art
  • Valuables inside commercial/business structures such as sari-sari stores
  • Structural damages such as damage to the walls, roof, or windows of the house

Coverage will be automatically terminated once the amount limit of the coverage is exhausted.

How much does Home Content Protection Plan cost?

Get your Home Content Protection Plan for 1 year for a fixed price of ₱1,188, spread out to your monthly installments. You don’t need to pay extra upon purchase of your loan! Enjoy the benefits of Home Content Protection for 1 year for as low as ₱3.25 per day!

Sample computation of pricing
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What to do when something happens to your home belongings?

Simply notify the service provider, BPI MS! To file a service request, follow these 4 easy steps!

Report the incident to the service provider and file a claim via call or e-mail.

call customer service

BPI MS Claims Hotline

(02) 8840-9000

call customer service

BPI MS Claims email

bpimsclaims@bpi.com.ph

The provider usually asks for the contract number and your phone number to validate your claim. They may also send you a list of requirements that you have to submit to process your claim.

Requirements to claim

BPI-MS, the service provider, will provide a claims decision usually within 2 working days after submission of all required documents.

Once your claim is approved, BPI-MS will send you a service resolution offer which will indicate the applicable coverage amount for the damage/case. If you agree with the amount, you may respond to the Claims Team to proceed with the claim payment.

In case you do not agree with the coverage amount offered or your claim is rejected, you may request for the Claims Team to assess the case further. Please note that they may request additional information and documentation to reprocess your claim.

BPI-MS will process your claim payment within 10 working days after your confirmation to their offer. Get up to ₱50,000 worth of assistance to start over or replace your damaged valuables.

How can I cancel the Protection?

You can cancel the coverage anytime within the loan period by calling Home Credit Customer Service number, (02) 7753 5711.

However, please be advised that if you cancel 5 days or less before the due date, the device protection cost will still be included in your upcoming monthly payment bill and will be removed starting on the next due date.

Here’s an illustration of how the cancellation works.

Cancellation 5 days or less before due date
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Cancellation more than 5 days before due date
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Frequently Asked Questions
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Is there any limit with regards to the number of times I can claim the coverage?
There is NO LIMIT to the number of times you can claim as long you still have a balance in your ₱50000 coverage limit for all eligible damaged or lost valuables.
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Do I need to pay a participation fee?
No participation fee shall be collected.
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Can I cancel the coverage during cooling-off period?
Yes, you have the option to cancel the coverage within fourteen (14) calendar days from your loan signed date by calling Home Credit Customer Service number (02) 7753 5711. The Home Content Protection fee will be removed from all remaining monthly payments with no extra cost.
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What happens to my Protection Plan if I make a partial or full early repayment for my loan or if I change the due date?
Your Home Content Protection Plan will not be affected. The coverage period stated in your contract stays the same.
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I am past my loan due date. Does it impact my Home Content Protection Plan’s validity?
It does not affect your coverage unless you miss your due date for over 90 days. After 90 days of no payment, your Home Content Protection Plan will be automatically terminated.
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SEC Reg. Number: CS201301354 Certificate of Authority Number 1071 issued 07 April 2017 Please read carefully the terms and conditions before proceeding with a loan transaction.