Compare Home Insurance in Hong Kong 2022

Looking for property insurance, home insurance, landlord insurance or renter insurance? We have picked highlighted plans for you! Read More
Looking for Home Content Insurance for Floor Area: 500
We found 27 Home Insurances for you!
AXA安盛 logo

Annual Premium

HK$705.75

25% OffAnnual PremiumHK$941
Online Promo
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
Annual PremiumHK$94125% Off
HK$705.75
Online Promo:
Online Promo: 【AXA SmartHome Plus】 
From now on, purchase AXA SmartHome Plus Plan via MoneySmart to get 25% off on the premium, plus FREE Extra Typhoon Protection, and Cleaning and Sanitising Benefit!

Valid until 31 Aug 2022 - See more details below
Valid until 31 Aug 2022 - See more details below
MSIG 三井住友 logo

Annual Premium

HK$770

30% OffAnnual Premium HK$1,100
Online Promo
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
Annual Premium HK$1,10030% Off
HK$770
Online Promo:
【MSIG Enrolment Offer】
From now on, apply for MSIG Home Insurance can enjoy 25% off on your first-year premium!

【MoneySmart Exclusive Offer】
-Get an extra 5% off with promo code “MSMART" (Total 30% off)
Valid until 31 Aug 2022 - See more details below
Generali 忠意保險 logo

Annual Premium

HK$619.20

10% OffAnnual Premium HK$688
MoneySmart Exclusive
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
Annual Premium HK$68810% Off
HK$619.20

【Generali Domestic Helper Insurance 
You can now enjoy 20% discount on insurance premiums for Generali Domestic Helper Insurance via MoneySmart!



【MoneySmart Exclusive Offer】
With each purchase of Home Insurance within the promotional period, applicant will receive one HK$50 Starbucks e-Coupon as a gift

Valid until 14 Oct 2022 - See more details below
OneDegree logo

Annual Premium

HK$764

20% OffAnnual PremiumHK$955
Online Promo
Sponsor
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
Annual PremiumHK$95520% Off
HK$764
Online Promo:
-From now on, purchase Onedegree Home Insurance Level Up via MoneySmart to get 20% off on the first year premium.
-Enter referral code「MONEYSMART」to enroll OneDegree Home Insurance to get a HK$ 200 supermarket e-voucher!
Valid until 31 Aug 2022 - See more details below
Zurich蘇黎世 logo

Annual Premium

HK$750

Annual Premium
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$750
MSIG 三井住友 logo

Annual Premium

HK$938

30% OffAnnual Premium HK$1,340
Online Promo
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
Annual Premium HK$1,34030% Off
HK$938
Online Promo:
【MSIG Enrolment Offer】
From now on, apply for MSIG Home Insurance can enjoy 25% off on your first-year premium!

【MoneySmart Exclusive Offer】
-Get an extra 5% off with promo code “MSMART" (Total 30% off)
Valid until 31 Aug 2022 - See more details below
大新保險 logo

Annual Premium

HK$544

20% OffAnnual Premium HK$680
Promotion
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
Annual Premium HK$68020% Off
HK$544
Promotion:
【Dah Sing Home Insurance】

Dah Sing Insurance members can enjoy 20% premium discount

【Splash Summer Promotional Offer】


Staring rom 1 Aug 2022 to 31 Oct 2022, you may enjoy HK$500 supermarket vouchers if you successfully applied for designated personal insurance plan(s) with accumulated paid premium HK$2,500 or above.
*(For promotion details of coverage please refer to Dah Sing Insurance’s terms and conditions)
Valid until 31 Dec 2022 - See more details below
OneDegree logo

Annual Premium

HK$1,035.20

20% OffAnnual PremiumHK$1,294
Online Promo
Sponsor
Valuables Cover (per item)
HK$15,000
Max. Household Contents Cover
HK$10,000,000
Max. Liability To Third Party Cover
HK$12,000,000
Annual Premium
Annual PremiumHK$1,29420% Off
HK$1,035.20
Online Promo:
-From now on, purchase Onedegree Home Insurance Level Up via MoneySmart to get 20% off on the first year premium.
-Enter referral code「MONEYSMART」to enroll OneDegree Home Insurance to get a HK$ 200 supermarket e-voucher!
Valid until 31 Aug 2022 - See more details below
中國平安 logo

Annual Premium

HK$602.36

26% OffAnnual Premium HK$814
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
Annual Premium HK$81426% Off
HK$602.36
Chubb 安達保險 logo

Annual Premium

HK$665

Annual Premium
Valuables Cover (per item)
HK$10,000
Max. Household Contents Cover
HK$300,000
Max. Liability To Third Party Cover
HK$5,000,000
Annual Premium
HK$665
AXA安盛 logo

Annual Premium

HK$1,370.25

25% OffAnnual Premium HK$1,827
Online Promo
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
Annual Premium HK$1,82725% Off
HK$1,370.25
Online Promo:
Online Promo: 【AXA SmartHome Plus】 
From now on, purchase AXA SmartHome Plus Plan via MoneySmart to get 25% off on the premium, plus FREE Extra Typhoon Protection, and Cleaning and Sanitising Benefit!

Valid until 31 Aug 2022 - See more details below
Valid until 31 Aug 2022 - See more details below
中銀集團保險 logo

Annual Premium

HK$872.10

15% OffAnnual Premium HK$1,026
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
Annual Premium HK$1,02615% Off
HK$872.10
SOMPO 日本財產保險 logo

Annual Premium

HK$560

20% OffAnnual Premium HK$700
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
Annual Premium HK$70020% Off
HK$560
FWD 富衛保險 logo

Annual Premium

HK$504

20% OffAnnual Premium HK$630
Online Promo
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
Annual Premium HK$63020% Off
HK$504
Online Promo:
Purchase FWD HomeCare Insurance online to enjoy 20% premium discount.
Valid until 31 Aug 2022 - See more details below
中銀集團保險 logo

Annual Premium

HK$581.40

15% OffAnnual Premium HK$684
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
Annual Premium HK$68415% Off
HK$581.40
AIG logo

Annual Premium

HK$520

Annual Premium
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
Chubb 安達保險 logo

Annual Premium

HK$980

Annual Premium
Valuables Cover (per item)
HK$10,000
Max. Household Contents Cover
HK$500,000
Max. Liability To Third Party Cover
HK$10,000,000
Annual Premium
HK$980
AIG logo

Annual Premium

HK$800

Annual Premium
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
中國平安 logo

Annual Premium

HK$1,118.88

26% OffAnnual Premium HK$1,512
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
Annual Premium HK$1,51226% Off
HK$1,118.88
Chubb 安達保險 logo

Annual Premium

HK$1,610

Annual Premium
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$1,610

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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.