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Compare Home Insurance in Hong Kong 2023

Looking for property insurance, home insurance, landlord insurance or renter insurance? We have picked highlighted plans for you! Read More
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We found 24 Home Insurances for you!
Recommended
Generali 忠意保險 logo

Annual Premium

HK$619.20

10% OffHK$688
MoneySmart Exclusive

Generali Home Package Insurance

Valuables Cover (per item)
HK$15,000
Max. Household Contents Cover
HK$1,000,000
Max. Liability To Third Party Cover
HK$7,500,000
Annual Premium
HK$68810% Off
HK$619.20

【MoneySmart Exclusive Offer】
You can now enjoy 10% discount for Generali Home Insurance via MoneySmart!
Within the promotional period, the applicant is also entitled to a gift of one HK$100 Starbucks e-Coupon!

Valid until 28 Feb 2023 - See more details below
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MSIG 三井住友 logo

Annual Premium

HK$770

30% OffHK$1,100

MSIG iHome Insurance Plan B

Valuables Cover (per item)
HK$15,000
Max. Household Contents Cover
HK$750,000
Max. Liability To Third Party Cover
HK$8,000,000
Annual Premium
HK$1,10030% Off
HK$770
More Details
OneDegree logo

Annual Premium

HK$764

20% OffHK$955
MoneySmart Exclusive
Sponsor

OneDegree Home Insurance (Standard)

Valuables Cover (per item)
HK$10,000
Max. Household Contents Cover
HK$800,000
Max. Liability To Third Party Cover
HK$10,000,000
Annual Premium
HK$95520% Off
HK$764

【MoneySmart Exclusive Offer】
You can now enjoy 20% discount for OneDegree Home Insurance via MoneySmart!
Within the promotional period, the applicant is also entitled to a gift of one HK$100 IKEA e-Coupon!

Valid until 31 Mar 2023 - See more details below
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OneDegree logo

Annual Premium

HK$1,035.20

20% OffHK$1,294
MoneySmart Exclusive
Sponsor

OneDegree Home Insurance (Plus)

Valuables Cover (per item)
HK$15,000
Max. Household Contents Cover
HK$1,000,000
Max. Liability To Third Party Cover
HK$12,000,000
Annual Premium
HK$1,29420% Off
HK$1,035.20

【MoneySmart Exclusive Offer】
You can now enjoy 20% discount for OneDegree Home Insurance via MoneySmart!
Within the promotional period, the applicant is also entitled to a gift of one HK$100 IKEA e-Coupon!

Valid until 31 Mar 2023 - See more details below
More Details
FWD 富衛保險 logo

Annual Premium

HK$504

20% OffHK$630

FWD HomeCare Insurance

Valuables Cover (per item)
HK$10,000
Max. Household Contents Cover
HK$500,000
Max. Liability To Third Party Cover
HK$5,000,000
Annual Premium
HK$63020% Off
HK$504
More Details
中銀集團保險 logo

Annual Premium

HK$872.10

15% OffHK$1,026

BOCG Insurance Premier Home Comprehensive Insurance Plan 3

Valuables Cover (per item)
HK$20,000
Max. Household Contents Cover
HK$1,200,000
Max. Liability To Third Party Cover
HK$10,000,000
Annual Premium
HK$1,02615% Off
HK$872.10
More Details
蘇黎世 logo

Annual Premium

HK$870

Zurich HomeChoice Insurance Plan

Valuables Cover (per item)
HK$20,000
Max. Household Contents Cover
HK$750,000
Max. Liability To Third Party Cover
HK$10,000,000
Annual Premium
HK$870
More Details
MSIG 三井住友 logo

Annual Premium

HK$938

30% OffHK$1,340

MSIG iHome Insurance Plan A

Valuables Cover (per item)
HK$15,000
Max. Household Contents Cover
HK$1,000,000
Max. Liability To Third Party Cover
HK$8,000,000
Annual Premium
HK$1,34030% Off
HK$938
More Details
大新保險 logo

Annual Premium

HK$476

30% OffHK$680
Online Promo

Dah Sing Insurance HomeSure Household Insurance - Plan B

Valuables Cover (per item)
HK$15,000
Max. Household Contents Cover
HK$600,000
Max. Liability To Third Party Cover
HK$6,000,000
Annual Premium
HK$68030% Off
HK$476
Online Promo:
【Dah Sing Insurance Flash Winter Offer】
Apply via MoneySmart and enter Promotion Code "MS202212" to enjoy 30% discount on Dah Sing Home Insurance!
Valid until 31 Mar 2023 - See more details below
More Details
AXA安盛 logo

Annual Premium

HK$705.75

25% OffHK$941

AXA SmartHome Plus - Plan A

Valuables Cover (per item)
HK$5,000
Max. Household Contents Cover
HK$600,000
Max. Liability To Third Party Cover
HK$10,000,000
Annual Premium
HK$94125% Off
HK$705.75
More Details
AXA安盛 logo

Annual Premium

HK$1,370.25

25% OffHK$1,827

AXA SmartHome Plus - Plan B

Valuables Cover (per item)
HK$10,000
Max. Household Contents Cover
HK$1,200,000
Max. Liability To Third Party Cover
HK$10,000,000
Annual Premium
HK$1,82725% Off
HK$1,370.25
More Details
OneDegree logo

Annual Premium

HK$1,336

20% OffHK$1,670
MoneySmart Exclusive
Sponsor

OneDegree Home Insurance (Prestige Plan)

Valuables Cover (per item)
HK$20,000
Max. Household Contents Cover
HK$1,200,000
Max. Liability To Third Party Cover
HK$15,000,000
Annual Premium
HK$1,67020% Off
HK$1,336

【MoneySmart Exclusive Offer】
You can now enjoy 20% discount for OneDegree Home Insurance via MoneySmart!
Within the promotional period, the applicant is also entitled to a gift of one HK$100 IKEA e-Coupon!

Valid until 31 Mar 2023 - See more details below
More Details
AIG logo

Annual Premium

HK$520

AIG Premium Home Plus - Enhanced Version (Light Plan)

Valuables Cover (per item)
HK$10,000
Max. Household Contents Cover
HK$500,000
Max. Liability To Third Party Cover
HK$5,000,000
Annual Premium
HK$520
More Details
中國平安 logo

Annual Premium

HK$602.36

26% OffHK$814

Ping An Anti-epidemic Home Package - 5-storeys or more

Valuables Cover (per item)
HK$10,000
Max. Household Contents Cover
HK$1,000,000
Max. Liability To Third Party Cover
HK$10,000,000
Annual Premium
HK$81426% Off
HK$602.36
More Details
Sompo 日本財產保險 logo

Annual Premium

HK$700

Sompo HouseholdJoy

Valuables Cover (per item)
HK$15,000
Max. Household Contents Cover
HK$750,000
Max. Liability To Third Party Cover
HK$5,000,000
Annual Premium
HK$700
More Details
AIG logo

Annual Premium

HK$800

AIG Premium Home Plus - Enhanced Version (Standard Plan)

Valuables Cover (per item)
HK$5,000
Max. Household Contents Cover
HK$1,000,000
Max. Liability To Third Party Cover
HK$5,000,000
Annual Premium
HK$800
More Details
中銀集團保險 logo

Annual Premium

HK$581.40

15% OffHK$684

BOCG Insurance Premier Home Comprehensive Insurance Plan 1

Valuables Cover (per item)
HK$6,000
Max. Household Contents Cover
HK$400,000
Max. Liability To Third Party Cover
HK$5,000,000
Annual Premium
HK$68415% Off
HK$581.40
More Details
中國平安 logo

Annual Premium

HK$1,118.88

26% OffHK$1,512

Ping An Anti-epidemic Home Package - Less than 5-storeys

Valuables Cover (per item)
HK$10,000
Max. Household Contents Cover
HK$1,000,000
Max. Liability To Third Party Cover
HK$10,000,000
Annual Premium
HK$1,51226% Off
HK$1,118.88
More Details
大新保險 logo

Annual Premium

HK$756

30% OffHK$1,080
Online Promo

Dah Sing Insurance HomeSure Household Insurance - Plan C

Valuables Cover (per item)
HK$30,000
Max. Household Contents Cover
HK$1,200,000
Max. Liability To Third Party Cover
HK$12,000,000
Annual Premium
HK$1,08030% Off
HK$756
Online Promo:
【Dah Sing Insurance Flash Winter Offer】
Apply via MoneySmart and enter Promotion Code "MS202212" to enjoy 30% discount on Dah Sing Home Insurance!
Valid until 31 Mar 2023 - See more details below
More Details
大新保險 logo

Annual Premium

HK$371

30% OffHK$530
Online Promo

Dah Sing Insurance HomeSure Household Insurance - Plan A

Valuables Cover (per item)
HK$0
Max. Household Contents Cover
HK$300,000
Max. Liability To Third Party Cover
HK$3,000,000
Annual Premium
HK$53030% Off
HK$371
Online Promo:
【Dah Sing Insurance Flash Winter Offer】
Apply via MoneySmart and enter Promotion Code "MS202212" to enjoy 30% discount on Dah Sing Home Insurance!
Valid until 31 Mar 2023 - See more details below
More Details

Disclaimer: At MoneySmart.hk, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. For any discrepancy in product information, please refer to the financial institution’s website for the most updated version. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Best Home and Content Insurance in Hong Kong 2022

Home Insurance PlanAnnual PremiumHIGHLIGHTED BENEFITS
MSIG iHome Insurance Plan BHK$770.94Cover accidental loss of or damage to household improvement for up to HK$100,000
AXA SmartHome Plus - Plan AHK$941.80Cover outdoor furniture and similar items that are usually in the open
Sompo HouseholdJoyHK$700.60Pay for the accidental breakage of window glass at your Home caused by typhoon or “Black” rainstorm.
Zurich HomeChoice Insurance Plan HK$750.64Worldwide protection including repair cost for mobile phone, laptop or tablet computers
FWD HomeCare InsuranceHK$630.54Valuables are covered up to $10,000 per item

Home Insurance vs Fire Insurance

Fire Insurance

If a property is mortgaged, fire insurance is mandatory. It protects the interest of you and the mortgage lenders, covering the structure of the premise such as walls, roof and floor against fire damage. But fire insurance doesn’t cover home contents.

Home Insurance

If your premise is exposed to major accidents such as fire, typhoon, explosion, theft, a burst of water pipes, etc., general home insurance can protect against your loss but the amount of insurability varies. What’s more, home insurance does not just cover your family’s belongings at home, but it could extend to things that you carry with you outside of your every day. Some even provide coverage against frozen food and beverage protection or outside door locks, window, etc.

Landlord Insurance VS Renters Insurance

Landlord Insurance

It is important for a landlord to purchase fire insurance, home insurance and third-party liability insurance to protect his or her assets, from building structure, home contents to potential liability to third party due to accidents. Moreover, there is also the protection plan available in the market specifically designed for landlords for loss of rent.

Renters Insurance

A lot of home rental contract specifies that a tenant is held responsible for all the fixed installations and furnishing in the rented premise. It is important for renters to get home insurance in order to protect their interest. Moreover, any injury or property damaged to a third party could lead to enormous compensation. Therefore, it is important to get third party liability insurance to protect oneself against these risks.

Common Coverage of Home Insurance

Public Liability Insurance

Public liability insurance protects policyholders in the event of negligence resulting in third party injury or property damage.

Household Contents Insurance

Home insurance protects insurers against accidental loss or damage to home contents such as curtains, furniture, etc. Some also provide worldwide protection against accidental loss or damage of personal valuables worldwide such as watches, photographic equipment, etc.

Construction Insurance

Some home insurance provides basic protection to interior building improvement work carried out before moving in such as renovation and refurbishment of fixtures, fittings, repainting and flooring. For loss or damage caused by building improvement work that takes place after you have moved in, they may not be included. However, some home insurance provides third party liability insurance which may protect policyholders against any injury/ damage caused by the renovation work.

Burst Pipe Insurance

Water damage is usually covered as a standard feature in general home insurance, providing protection to your home contents such as furniture and personal belongings. If your home becomes unfit to live in temporarily, you may also get reimbursement on the expenses for alternative accommodation.

Home Burglary Insurance

Loss of household property is covered due to burglary in a general home insurance policy. Home insurance can compensate for any loss in personal effects and repair costs for getting new locks.

Compare Home Insurance Coverage

Insurance Provider / Insurance Plan Home Contents Coverage Liability to Third-Party Coverage
AXA SmartHome Plus Plan B HK$600,000 HK$20,000,000
Zurich Home Choice - Householder HK$1,250,000 HK$10,000,000
Chubb MyHomeGuard HK$6,000,000 HK$10,000,000
AIG Premium Home Plus – Enhanced Version (Standard Plan) HK$1,000,000 HK$5,000,000

Home Insurance FAQ

Do I need home insurance if I already bought a fire insurance policy?

Yes. To give you peace of mind and financial security, it is important to get home insurance which provides coverage for your household possessions and the liability to third party protection.

How to calculate the premium cost of home insurance?

In general, the premium of Home insurance is calculated based on the floor area of a premise. Policyholders can also extend coverage to add-on items. The higher the insurability, the higher the premium.

What should I do if I encounter any damage to my home contents?

It is advised to take photos of the damage without attempting to fix it. For larger claims, the insurer may send a loss adjuster to look into the situation.

What is the definition of Personal Belongings?

By personal belongings, it is referred to personal possessions that the insurer normally wears or carries, such as jewellery, clothing, watches, wallets, handbags, purses, mobile phones, etc.

Can village houses be insured?

Not all homes of all floor area, types and building ages are insured. It is usually more difficult to get a village house insured.

What are the general exclusions of home insurance?

It doesn’t apply to unauthorised building work or illegal structure, water seepage and theft or water damage after a premise has been unoccupied for 30 consecutive days.

Is there any excess for home insurance?

Not all home insurance requires excess. But in general, the higher the excess, the lower the premise.