Keep Your Belongings Safe with HC Home Protection Plan

Imagine this: You’ve finally set up your home just the way you want it—maybe you just bought a new appliance through Home Credit, or you’ve slowly built your dream space with hard-earned purchases. But then, life happens.  

A sudden typhoon, an unexpected fire, or even a burst pipe can damage not just your home, but also the things inside it that make it yours. This is where the Home Credit Home Protection Plan steps in. 

The Home Credit Protect Plan is like a quiet guardian in the background — always ready in case something goes wrong.  

For just ₱1,188 per year (yep, that’s only ₱3.25 a day, cheaper than your usual 3-in-1 coffee), you can enjoy up to ₱50,000 in total coverage to help repair or replace your home’s structure and belongings when disaster strikes. 

So if you're already paying for something valuable through Home Credit, why not protect it—and everything around it—while you’re at it? 

Spoiler: It’s a lot—like, really a lot. 

When we say this plan has you covered, we’re not just talking about a few items or isolated incidents.  

The Home Protection Plan is designed to support you in multiple ways, especially when life throws curveballs your way.  

Here's a deeper dive into what’s included: 

Let’s start with the basics: your actual home. This plan protects the physical structure of your home from a wide range of unfortunate events—think of it as a safety net for your walls, roof, flooring, windows, doors, and even built-in fixtures like cabinets and stairs. 

If something unexpected happens, you can file a claim for damage caused by: 

• Typhoon – strong winds and heavy rains 
• Earthquake – ground shaking or tremors 
• Fire – accidental or disaster-related 
• Landslide – soil and rock movement due to heavy rains or seismic activity 
• Lightning strikes – direct hits causing damage 
• Flood – water damage from overflowing rivers, heavy rains, or storms 
• Falling trees or branches – due to storms or strong winds 
• Smoke damage – from nearby or internal fires 
• Vehicle impact – a car or other vehicle accidentally crashing into your property 
• Theft or robbery damage – physical damage caused during a break-in 

It’s a long list, and that’s a good thing—because it means you’re covered in more situations than you might expect.  

It’s comprehensive, and more importantly, it gives you that reassuring feeling that you’re not facing repairs alone. 

Now, let’s talk about the things inside your home, If you’ve invested in a smart TV, a laptop for work, or a nice refrigerator—whether you’re paying off through Home Credit or not — all of that is eligible for protection under this plan. 

It goes beyond the big-ticket appliances. You’re also covered for: 

• Furniture (sofas, beds, tables) 
• Clothing and accessories 
• Sporting equipment (yes, even that treadmill or e-bike!) 
• Musical instruments 
• Kitchenware and utensils and other belongings 

Whether the damage is from a natural disaster, or another covered event, you can breathe easier knowing that your everyday essentials are backed up. 

This is one of the most practical—and most underrated—benefits. Sometimes the stress isn’t about long-term damage, but the need for quick fixes at home. 

If you’ve ever had to scramble for a plumber to fix a leaking pipe at night or called five different electricians because of faulty wiring, this part will feel like a lifesaver. 

With the Home Protection Plan, you get access to emergency services like: 

• Plumbing assistance (for broken pipes, clogged drains, etc.) 
• Electrical services (like sudden power loss or faulty outlets) 
• Glass repair (for windows or doors) 
• Locksmiths (if you get locked out or need to secure your home quickly) 

These services are designed to respond as soon as possible, giving you peace of mind during urgent, stressful moments. 

Fires are one of the most devastating things that can happen to a home—but with this plan, you don’t have to deal with the aftermath alone. 

If a fire breaks out and causes damage, you can get up to ₱25,000 to help with firefighting expenses—because let’s be real, even putting the fire out can come with costs. 

On top of that, if you had to move some of your belongings elsewhere temporarily—maybe due to renovation, relocation, or construction—and those items get damaged, you can claim another ₱25,000 for the loss or repair of those items. 

So even if your things aren’t in your house at the time of the incident, you’re still protected. That’s a rare kind of flexibility in a protection plan. 

• How much do I get when I file a claim for my Home Protection? 

The amount you get for your Home Protection would depend on the assessment of the repair or damage replacement. Make sure you submit the full complete requirements, so that your claim can be assessed properly and promptly. 

• I received an email about my Home Protection, but it’s not from Home Credit. Is this legit? 

We regularly send emails to remind you that Home Credit has got you in case you need to avail Home Protection. Apart from Home Credit emails, you may also receive emails from our insurance provider, BPI MS Insurance or Oona Insurance. If it’s not from one of these emails, please be cautious and make sure you only reach out to official accounts. 

• My Home Protection is expiring. What do I do?  

You can choose to renew Home Credit Protect, including Home Protection! You’ll be notified via email of these steps on how you can renew your Home Protection. 

For employee benefits and perks: 

• I’m only renting out an apartment, am I still covered? 

Yes, you are still covered even if you are renting. Simply declare the address to be covered in the SAP Fiori system. 

• What if I stay in two different residences? For instance, I rent a dorm or apartment during the week, but spend weekends at my family’s home? 

Home Protection can only cover one (1) residence. You’ll need to choose which address you want covered. 

• Can I put our business address? 

No, Home Protection only covers residential addresses. 

• Can the employee coverage increase if the if the employee pays for it? 

No, there is no option to increase employee coverage for this. 

• How do we determine the cost of damage whenever there are calamities? 

BPI MS has designated Claims Assistance to evaluate the damaged items declared by the employee. 

In short, the Home Credit Home Protection Plan isn’t just a “nice-to-have”—it’s a solid, affordable layer of protection for your home, your stuff, and your sanity.  

You might not think about it every day, but when life throws a curveball, this plan can make all the difference. 

Start your Home Credit journey with your loan of choice and Home Protection when you download the Home Credit app.