Zurich Home Insurance: 25% Off First-Year Premium
Zurich Home Insurance offers comprehensive legal liability coverage, including global personal liability with high coverage limits. Get exclusive insurance offers through MoneySmart today!
Refine Your Results
FEATURED OFFERS
We found 1 Zurich Home Insurances for you!
Apply via MoneySmart and use Promo Code "MSZHM20" to enjoy 20%off for Zurich HomeChoice Insurance on the first year's premium!
Apply now!
Valid till 31 Dec 2026
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, insurance company, 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.
Zurich Home Insurance Hong Kong 2026: HomeChoice Householder Insurance
Too much to read? Get the key takeaways in seconds!
- Target Audience: Designed for homeowners, tenants, and owner-occupiers in Hong Kong, extending protection to household members and domestic partners.
- Core Protection Limits: Up to HK$1,250,000 per year for household contents (tiered by floor area or customizable online) and up to HK$10,000,000 for worldwide third-party legal liability.
- Zero Excess: Nil excess on household contents claims for multi-storey residential buildings aged 40 years or below.
- Extended and Worldwide Living Benefits: Includes temporary alternative accommodation allowances (up to HK$60,000), card fraud cover (HK$20,000), and worldwide repairs for mobile phones, laptops, and tablets.
- 24-Hour Emergency Assistance: Direct cashless emergency dispatch for plumbing, electrical, and locksmith issues during standard operating hours in Hong Kong.
About Zurich Insurance Hong Kong
Zurich Insurance (Hong Kong) is part of the Zurich Insurance Group and has been in Hong Kong since 1961. It offers general insurance, life insurance and investment solutions to individual, commercial and corporate customers.
Zurich HomeChoice Householder Insurance at a Glance
| Plan | Zurich HomeChoice Insurance Plan – Householder Insurance |
|---|---|
| Who it's for | Householders, tenants and owner-occupiers, plus household members and domestic partners |
| Home contents | Up to HK$1,250,000 a year (standard plan, depends on flat size), or choose your own limit on the DIY plan |
| Legal liability | Up to HK$10,000,000 a year |
| Excess | Nil on home contents for multi-storey buildings aged 40 years or below |
| 24-hour home assistance | Cashless electrical, plumbing and locksmith help |
Who Is Zurich Householder Insurance For?
Zurich householder insurance is designed for householders, tenants and owner-occupiers. It covers home contents and collectibles, from stamps, coins and medals to wine. The maximum annual home contents cover is HK$1,250,000 on the standard plan. If an insured event makes your home uninhabitable, you also get alternative accommodation and a meal allowance.
Zurich HomeChoice Householder Insurance: Key Features
Home Contents Cover of Up to HK$1,250,000
Covers home contents, personal belongings, valuables and wine. The annual limit on the standard plan depends on your flat size:
| Gross floor area (sq ft) | Saleable area (sq ft) | Annual home contents cover (standard plan) |
|---|---|---|
| 700 or below | 560 or below | HK$750,000 |
| 701–1,500 | 561–1,200 | HK$1,000,000 |
| 1,501 or above | 1,201 or above | HK$1,250,000 |
On the DIY plan (online applications only), you choose the limit from preset amounts.
Up to HK$ 10,000,000 Legal Liability Protection
Covers worldwide personal liability and liability as a home owner, an occupier, a pet owner and a tenant, plus the home owner's liability for common areas. For example, it covers damage to shared building facilities from a burst water pipe, or a fire caused by carelessness while cooking. The maximum cover is HK$10,000,000 a year.
Extended Home Protection
| Benefit | Limit (HK$) |
|---|---|
| Damage by firefighters | Up to the maximum cover |
| Debris removal | 20,000 per accident |
| Spoiled frozen food | 5,000 per accident |
| Outdoor property | 50,000 per accident (2,500 per item) |
| Burglary/robbery injury allowance | 5,000 per accident |
| Temporary removal | 50,000 per accident |
| Moving to a new home | 100,000 per accident |
| During interior decoration | 100,000 per accident |
| Alternative accommodation (total) | 60,000 per accident |
| - Accommodation (daily limit) | 3,000 |
| - Meal allowance (daily limit) | 600 |
| - Pets' accommodation (daily limit) | 3,000 |
| Feng shui consultation | 3,000 per accident |
| Accidental death | 100,000 per year |
Customised Home Insurance Plan
Adjust the cover amounts for home contents, legal liability and more, choosing from preset limits (DIY plan, online only). Add optional cover for:
-
Building: accidental damage, based on rebuilding cost, plus debris removal and architects'/surveyors' fees (each up to 5% of rebuilding cost). Landslide and subsidence claims have an excess of HK$10,000 or 10% of the assessed loss, whichever is higher.
-
Worldwide personal possessions: unspecified items (HK$5,000 per set) or specified items, at a sum insured you choose
-
Personal fine art collection: at a sum insured you choose
Worldwide Protection
-
Unauthorised use of credit cards after losing personal property (e.g. a phone with a payment app): HK$20,000 per accident
-
Loss of money: HK$5,000 per accident
-
Replacing personal documents: HK$5,000 per accident [NEW – T&C]
-
Repairs for phones and electronic devices: HK$2,500 per phone, HK$5,000 per laptop or tablet. Maximum 2 claims per policy year, plus 1 extra if you use Zurich's designated recycling service for home appliances or electronics that year.
24-Hour Emergency Home Assistance Services
Get cashless help with electrical repairs, plumbing and locksmith services, and referrals for other services. Call the hotline: +852 2886 3977.
| Area | Standard hours (9am–9pm, Mon–Sun, excl. public holidays) | Non-standard hours |
|---|---|---|
| Standard area (HK Island, Kowloon, New Territories, Tung Chung) | Cashless | HK$800 surcharge |
| Remote area (outlying islands except Tung Chung, restricted areas like Mai Po and the Frontier Closed Area) | HK$800 surcharge | HK$1,200 surcharge |
Applies only to the first site inspection and repair per incident (materials not included). Must use Zurich's nominated service provider, subject to availability.
How to file claims for Zurich Home Insurance?
Submit claims online through "Zurich HK" App/ "eClaim" online claim platform/ email with supporting documents e.g. original receipt
Receive an acknowledgement SMS and/ or email from Zurich in 2 working days after submission of the claim
The claims assessment will then be carried out when all required documents are received
Tips When Making a Claim
-
Take photos of damaged items and keep all evidence of the loss. Don't throw away damaged belongings, and move undamaged items away from the affected area (e.g. away from flooding).
-
Where possible, take reasonable steps to limit the damage, such as stopping a leak, and contact your building management right away
-
If another policy also covers the loss, give the details to Zurich.
-
Don't admit legal liability or reach an agreement with a third party before agreeing it with Zurich.
What Zurich Home Insurance Doesn't Cover
Major exclusions: unexplained loss, illegal building works, electrical and mechanical breakdown, wear and tear, war, terrorism, radioactive contamination, and pollution and contamination.
Zurich Home Insurance FAQ
What are the common exclusions?
- Zurich Home Insurance excludes loss that cannot be explained, illegal building works, electrical and mechanical breakdown, wear and tear.
Should I buy Home Insurance even if I am only a tenant?
- Yes. You will get protection for the household contents including your personal belongings and legal liability.
What items are classified as valuable property under Zurich Splendor Deluxe Property and Home Insurance Plan?
- Jewellery and watches
- Gold, silver or other precious metals
- Curios and works of art
- Fine wine
- Furs, and personal possessions e.g. designer handbags
- Photographic and portable telecommunications electronic equipment, e.g. mobile phones, portable/ notebook computers, etc.
Can village houses or properties in aged buildings be insured?
- Yes, village houses or properties in aged buildings will be insured and they can get an instant quotation online but the premium may vary depending on circumstances.
What should I do if a water pipe bursts at home?
- Tell your building management office right away, and limit the damage if it's safe to do so. Take photos and keep damaged items where possible, then contact Zurich as soon as you can to start your claim. Damage to your neighbours' flats or common areas may be covered under legal liability.
Why Choose MoneySmart?
MoneySmart is a trusted one-stop financial and insurance product comparison platform designed to save you time and money.
- Established Brand History: Founded in Singapore in 2009, the MoneySmart Group has evolved into a leading personal finance brand.
- Exclusive Offers from Official Partners: We partner with major banks in Hong Kong (such as Standard Chartered, HSBC, and Citibank), renowned insurance companies (such as Allianz, AXA, Starr, BlueCross and more), and top licensed brokerages to bring you exclusive offers.
- AI-Driven Personalized Recommendations: Through data analysis and smart matching, all users receive financial solutions tailored to their specific goals, rather than one-size-fits-all options.
- Clear Reward Tracking and Redemption Process: Our platform features a standardized reward redemption procedure backed by live customer service support, ensuring eligible users reliably receive their promised rewards.