Home Protection
Experience peace of mind with up to P50,000 worth of coverage for your home and belongings. This plan protects your home structure and valuables against disasters and theft, and includes additional ₱5,000 in Immediate Cash Assistance, available within 2 business days after submitting the minimum requirements. Enjoy the safety and security of your protected home with an active Home Protection Plan!
Immediate Cash Assistance is available for Product Loan Contracts signed on October 13, 2026 onwards.
What Does Home Protection Cover?
The Home Protection Plan covers home structure, as well as 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 home in case of damage or loss due to natural disasters or theft. Product Loan Contracts signed on October 13, 2026 onwards include additional Immediate Cash Assistance of P5,000 claimable in (2) business days after the submission of minimal requirements for valid claims.
Coverage to your Home Structure
You can file a claim if the physical framework and essential components of your house are damaged. This includes, but is not limited to:
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Walls -
Roof
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Foundation
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Floors
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Windows and Doors
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Built-in Fixtures (e.g., Fireplaces, stairs, cabinetry
Coverage for your Belongings
The list of items that you can declare under Home Protection coverage includes, but is not limited to, the following:
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Appliances such as TV, refrigerator, microwave oven, and washing machine -
Electronic items such as laptops, and desktop computer
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Furniture such as sofa, cabinets, tables, bed
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Clothes, bags and accessories
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Sports equipment like E-bikes, bikes, barbell weights, treadmill
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Musical instruments like guitar, piano
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Dining and kitchen wares such as plates, bowls, pans, knives
For Product Loan Contracts created on October 13, 2026 onwards:
We provide Immediate Cash Assistance of P5,000 claimable in (2) business days after the submission of minimal requirements for valid claims. Requirements include:
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(1) Valid Government ID
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Photos and Videos Documenting Damage
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Payment Details for Claim Payout
Immediate Cash Assistance can be provided specifically for material damage caused by: Flood, Typhoon, Fire and Earthquake.
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Immediate Cash Assistance can be claimed once annually, and is terminated immediately after the settlement of the claim.
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This shall be released as an advance payment, and forms part of the final claim settlement.
Situations included in the coverage
Here is the list of situations covered by Home Protection Plan:
Home Structure and Home Belongings
You can request for reimbursement in case of damage due to any of the following situations:
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Typhoon
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Fire
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Earthquake
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Landslide
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Flood
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Lightning
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Riot Strike, Malicious Damage
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Smoke, Falling Aircraft, Vehicle Impact, and Explosion
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Theft/Burglary that occurs inside declared areas of the residence
Please note that claim request approval varies from case to case based on the assessment of the service provider. Coverage will be automatically terminated once the coverage limit is exhausted.
Situations not included in the coverage
On the other hand, here are some items and damages that are not eligible for Home Content Protection coverage:
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Cash -
Jewelries
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Antiques
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Work of Art
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Valuables inside commercial/ business structures such as sari-sari stores
How much does Home Protection Plan cost?
For Loan Terms Greater than 12 months
Home Protection is now based on your loan term - priced at P1,188 yearly. Enjoy the benefits of Home Protection throughout your loan term for as low as P3.25 per day!
For Loan Terms Less than or equal to 12 months
Get your Home Protection Plan for 1 year for a fixed price of P1,188 spread out to your monthly loan installments. Enjoy the benefits of Home Protection for 1 year for as low as P3.25 per day!
What to do when something happens?
Follow these 4 easy steps to file a service request:
Confirm who your Home Protection provider is by checking your Certificate of Coverage.
Contact them immediately after the incident. Have your Home Credit Loan Account Number ready.
To file a claim except Home Assistance Coverage, click on the provider icon below. This will take you directly to their dedicated claims portal.
| BPI MS | OONA |
BPI MS Claims Portal: BPI MS Claims Website: |  Oona Claims Portal:https://partner.myoona.ph/homecredit/make-a-claim/ Oona Website: www.myoona.ph |
BPI MS Claims Hotline: |
Oona Claims Email: |
Prepare the following documents to process your claim. Ensure your Home Credit Loan Account (policy number) is ready for validation when you send these documents to your provider.
- Valid Government ID - Picture of any Valid Government ID (non-expired)
- Photos & Videos of Damage - Complete Photos and/or Videos of Insured Damaged Home Structure and/or Contents
- eWallet or Bank Details - Complete payment details for Online Wallet (GCash/Maya) or Bank Account
- List of Damaged Items - Detailed incident report with breakdown of Damaged Home Structure and/or Contents. Provide supporting details or proof of purchase valuation such as Sales Invoice, receipts and/or vouchers of affected Home Structure and or Contents.
Item | Brand and Model | Year Purchased | Purchase Amount | Estimated Cost of Damage |
Air Conditioner | Carrier 2HP Aircondition | 2025 | 28,000.00 | 20,000.00 |
TV | TCL | 2022 | 15,000.00 | 12,000.00 |
For Product Loan Contracts created on October 13, 2026 onwards: Submit requirements (1-3) to initiate a claim for Immediate Cash Assistance
- For claims eligible for Immediate Cash Assistance, claim payout will be received within (2) business days from the receipt of the complete requirements.
- After claiming the Immediate Cash Assistance - should the total claim exceed the P5,000 benefit, the claim can be continued and processed through the standard claims process.
1. Claims Decision: The service provider will decide on your claim within 7 working days after receiving all required documents.
2. Approval: If approved, you'll receive a service resolution offer indicating the coverage amount. If you agree with the amount, respond to them to proceed with the claim payment.
3. Disagreement or Rejection: If you disagree with the amount or your claim is rejected, you may request further assessment. Please note that additional information or documentation may be requested from you.
For Product Loan Contracts created on October 13, 2026 onwards:
1. For claims eligible for Immediate Cash Assistance, claim payout will be received within (2) business days from the receipt of the complete requirements.
2. After claiming the Immediate Cash Assistance - should the total claim value exceed the P5,000 benefit, the claim can be continued and further processed through the standard claims process (see above).
After you confirm the offer, your service provider will process the payment within 10 working days. You can receive up to ₱50,000 worth of assistance to repair or replace damaged home structures or belongings.
For Product Loan Contracts created on October 13, 2026 onwards:
1. For claims eligible for Immediate Cash Assistance, claim payout will be received within (2) business days from the receipt of the complete requirements.
2. After claiming the Immediate Cash Assistance - should the total claim exceed the P5,000 benefit, the claim can be continued processed through the standard claims process (see above).
How can I cancel the Protection?
You can cancel the coverage by calling Home Credit Customer Service at (02) 7753 5711. The cancellation effectivity depends on when you make the request:
Cancellation within 15 days after signed date
The entire coverage will be cancelled, and the cost of the Home Protection will be removed from the entire loan term.
Cancellation beyond 15 days after signed date
The cost of the Home Protection will still be included in your next monthly installment, and the coverage will end on your upcoming due date. Starting the following month, the cost of the Home Protection will no longer be included in your installments.
