Home Protection
Experience peace of mind with up to ₱50,000 worth of coverage for your home and belongings. This plan protects your home structures and valuables against disasters and theft and offers Emergency Assistance for home-related services, including broken pipes, broken electricity wirings, accidentally locked doors and glass repairs. Enjoy the safety and security of your protected home with an active Home Protection Plan!
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 robbery.
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
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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
Home Assistance Coverage in case of emergency*
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Plumbing Issues
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Locksmith Services
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Electrical Problems
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Glass Repairs
*An emergency refers to a sudden and unforeseen incident that poses an immediate health risk to you or others, or it creates a potential risk of additional loss or damage to your home and belongings.
Not sure if it is an emergency? Simply contact the Home Assistance service line and let them know what happened.
Extra Coverage in case of fire
On top of the P50,000 coverage against damages on your belongings, you may also claim the following in case of fire:
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Up to 25,000 reimbursement of fire fighting expense in case a private company was hired to close out the fire
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Up to P25,000 coverage for temporarily removed items against loss, damage, or theft while they are in transit or stored in another location for a short period.
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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Robbery/Burglary that occurs inside declared areas of the residence
Home Assistance Coverage
You can request for emergency services including, but not limited to:
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Plumbing Issues
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Locksmith Services
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Electrical Problems
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Glass Repairs
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?
Get your Home Protection Plan for 1 year for a fixed price of ₱1,188, spread out to your monthly loan installments. Enjoy the benefits of Home Protection for 1 year for as low as ₱3.25 per day!
Sample computation of pricing
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 easily submit your claim, click on the provider icon below. This will take you directly to their dedicated claims portal.
| BPI MS | OONA |
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BPI MS Claims Portal: BPI MS Claims Website: |
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BPI MS Claims Hotline: |
Oona Claims Email: |
If your provider is Pacifico, please reach out to them via call or FB Messenger:
| PACIFICO |
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Pacifico Service Hotline (02) 8459-4748
Pacifico Facebook Messenger Pacifico Assistance |
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.
BPI MS:
Download BPI MS KYC Form Here
OONA:
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Accomplished Non-waiver Agreement Form |
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Accomplished Notarized Sworn Statement of Loss |
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Proof of Purchase Valuation |
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Proof of Damage
Proof of Ownership1. 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.
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.
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 Home Protection cost will still be included in your next installment, and coverage will end on your upcoming due date. From the following month, the cost will no longer be included in your installments.
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.
