Compare Sompo Home Insurance in Hong Kong 2021

Looking for Sompo 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 1 Sompo Home Insurance for you!
SOMPO 日本財產保險 logo

Annual Premium (incl. levy)


Annual Premium (incl. levy)
Max. Gross Floor Area
Household Content
Personal Liability Cover
Annual Premium (incl. levy)
Apply Now

Disclaimer: At, 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. 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.

Sompo Home Insurance - Household Joy

Sompo Home Insurance Features Premium
Household Joy Provide ‘All Risks’ protection and cover valuables up to HK$15,000 per item As low as HK$540

Sompo Household Joy Product Features

"All Risks" Protection

Sompo Household Joy provides "All Risks" protection for household contents, personal effects and valuables against loss or damage caused by accidents such as fire, explosion, bursting of pipes, theft, typhoon, flood and landslide.

Valuables Protection

Sompo Household Joy provides cover to valuables up to HK$15,000 per item.

No Depreciation

There is no depreciation deducted for your old household contents, personal effects and new valuables. It adopts the ‘New for Old Cover’ approach.

Free 24/7 Worldwide Protection

It provides free 24/7 worldwide protection for you and your family against third party liability claims for injury or property damage, up to HK$5,000,000. You can also upgrade the maximum limit up to HK$10,000,000.

Over 20 Free Additional Benefits

Sompo Household Joy provides over 20 free additional benefits, including tailor-made cover for your Home Contents for house moving or renovation.

Alternative Accommodation Protection

Sompo Household Joy provides Alternative Accommodation and Loss of Rent cover, helping you cope when your Home becomes uninhabitable after an accident. Applicable to owner, tenant or occupier.

Sompo Household Joy Premium

Saleable Area of Your Home (Square Feet)Home Contents Sum InsuredAnnual Basic Premium
≤ 400HK$750,000HK$540
561 - 720 HK$1,000,000HK$1,000

Sompo Household Joy Excess

ClaimFor Homes aged ≤ 40 yearsHome aged 41-45 years
Water DamageHK$500 or 5% of the adjusted loss amount (whichever is the greater)HK$5,000 or 10% of the adjusted loss amount (whichever is the greater)
Landslip or subsidence damageHK$500 or 5% of the adjusted loss amount (whichever is the greater)HK$5,000 or 10% of the adjusted loss amount (whichever is the greater)
Damage caused by other occurrence (excluding fire, lightning or explosion)HK$500HK$5,000

Sompo HouseHold Joy Points to Note

  • The policyholder must be 18 years old
  • Applicable to premises in Hong Kong only
  • Online application only applicable to home aged under 45 years old
  • Only legal owner or occupier of the insured Home are insured
  • FAQ

    Will I be protected If I am the tenant?

    "HouseholdJoy Insurance" protects household contents, personal effects and your legal liability as a tenant against loss and third party claims.

    Is my domestic helper covered under my "HouseholdJoy Insurance" policy?

    It depends. If s/he is not working for you, such damage or injury will not be covered.