My home is covered by fire insurance. Do I still need to get home contents insurance such as AXA SmartHome Plus?

Yes. Fire insurance only covers the building structures such as walls, roof and floor caused by fire damage but does not cover your home contents nor third party liability. However, with AXA SmartHome Plus, you can enjoy both home content coverage and liability to third party protection caused by major risks.

How much home contents insurance should I get?

It depends on the value of your home contents, including electrical appliances, furniture and personal effects. AXA SmartHome Plus provides a different sum insured according to the different size of the property. You can also add additional benefits and top-ups such as the option to cover your personal belongings worldwide based on your needs.

Does SmartHome Plus cover the valuables at home?

Yes. SmartHome Plus cover accidental loss or damage of the valuables at your home, capped at HK$ 10,000 per item (for Plan B) and HK$ 600,000 or 1/3 of the home contents sum insured (whichever is lesser) in a year. For personal belongings worth over HK$10,000, the insured can also contact AXA to apply for additional coverage of specified valuables.

What coverage can I get in case of typhoon or black rainstorm?

If water or electricity supply or all the elevators' service is suspended due to typhoon signal no.8 or above, or black rainstorm for over 6 hours, AXA will reimburse your actual expenses on temporary accommodation and meal up to 5 days, capped at HK$ 1,500 per day, and HK$90,000 during the period of insurance.

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AXA Home Insurance

AXA Home Insurance Plans	Highlight	Home Contents Sum Insured
AXA SmartHome Plus Home Insurance (Plan A)	Cover valuable items such as jewellery and watches. Option to cover valuables, money, personal documents, and fixtures & fittings.	HK$600,000 (Applicable to premises of 700 square feet or below)
AXA SmartHome Plus Home Insurance (Plan B)	Provide temporary accommodation and meal allowance caused by a typhoon or black rainstorm	HK$1,200,000 (Applicable to premises of 1,200 square feet or below)

Home Contents

AXA SmartHome Plus Home Insurance covers accidental damages caused to your home contents including furniture, fixtures, electrical appliances, caused by major risks such as typhoon, rainstorm, fire, flooding and theft.

Valuable Items

AXA SmartHome Plus Home Insurance covers valuable items such as jewellery and watches, capped at HK$600,000 or 1/3 of home contents sum insured (whichever is lesser). Also, enjoy the option to cover the valuables, cash and personal documents worldwide.

Temporary Accommodation and Meal Allowance

Cover temporary accommodation and meal allowance caused by typhoon signal no. 8 or above or black rainstorm, capped at HK$90,000 annually with a daily cap of HK$1,500 for a maximum of 5 days. (Applicable to Plan B only)

24-Hour Home Assistance Hotline Service

AXA SmartHome Plus Home Insurance provides referral services including electrician referral, plumber referral, locksmith referral, air-conditioner engineer referral, etc.

Fixtures and fittings

AXA SmartHome Plus Home Insurance covers fixtures and fittings from the former property owner or property developer.

Liability to Third Party Top-up

AXA SmartHome Plus Home Insurance offers the option to top up the liability to the third party protection to up to HK$20,000,000.

Loss of Rent Top-up

Cover the loss of rent caused by accidental damage, capped at HK$120,000 annually with a monthly cap of HK$40,000 for a maximum of 3 months.

AXA SmartHome Plus Home Insurance Major Exclusions

AXA SmartHome Plus Home Insurance does not cover below:

Uninsurable risks such as wear and tear and mechanical or electrical fault

IT/cyber risk or pollution and contamination

Unexplained or mysterious loss

Intentional damage by friends and families

Premises unoccupied for 30 or more consecutive days

Any illegal structures of the insured premise

Sub-let and/or sub-divided flat

Contact lenses, mobile phones and smartwatch

Loss or damage to professional equipment or sports equipment

FAQ

My home is covered by fire insurance. Do I still need to get home contents insurance such as AXA SmartHome Plus?: Yes. Fire insurance only covers the building structures such as walls, roof and floor caused by fire damage but does not cover your home contents nor third party liability. However, with AXA SmartHome Plus, you can enjoy both home content coverage and liability to third party protection caused by major risks.
How much home contents insurance should I get?: It depends on the value of your home contents, including electrical appliances, furniture and personal effects. AXA SmartHome Plus provides a different sum insured according to the different size of the property. You can also add additional benefits and top-ups such as the option to cover your personal belongings worldwide based on your needs.
Does SmartHome Plus cover the valuables at home?: Yes. SmartHome Plus cover accidental loss or damage of the valuables at your home, capped at HK$ 10,000 per item (for Plan B) and HK$ 600,000 or 1/3 of the home contents sum insured (whichever is lesser) in a year. For personal belongings worth over HK$10,000, the insured can also contact AXA to apply for additional coverage of specified valuables.
What coverage can I get in case of typhoon or black rainstorm?: If water or electricity supply or all the elevators' service is suspended due to typhoon signal no.8 or above, or black rainstorm for over 6 hours, AXA will reimburse your actual expenses on temporary accommodation and meal up to 5 days, capped at HK$ 1,500 per day, and HK$90,000 during the period of insurance.

Compare AXA Home Insurance in Hong Kong 2025

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HK$705.75

AXA SmartHome Plus - Plan A

HK$1,370.25

AXA SmartHome Plus - Plan B