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Compare Home Insurance in Hong Kong 2026

We found 43 Home Insurances for you!

Sponsor
OneDegree Home Insurance - Standard Plan image
HK$714.68
HK$1,05132% OFF
Annual Premium
OneDegree Home Insurance - Standard Plan
HK$10,000
Valuables Cover (per item)
HK$800,000
Max. Household Contents Cover
HK$10,000,000
Max. Liability To Third Party Cover
【OneDegree HOME INSURANCE Special Promo】
Purchase OneDegree Home Insurance Level Up via MoneySmart to get 32% off on the first year premium.
-Enter referral code「SMART68」to enroll OneDegree Home Insurance to get a HK$ 200 supermarket e-voucher! (provided by OneDegree)

Valid till 31 Jul 2026

APPLY NOW for OneDegree Home Insurance - Standard Plan
on OneDegree's secure site
AXA SmartHome Plus - Plan A image
HK$752.80
HK$94120% OFF
Annual Premium
AXA SmartHome Plus - Plan A
HK$5,000
Valuables Cover (per item)
HK$600,000
Max. Household Contents Cover
HK$10,000,000
Max. Liability To Third Party Cover
【AXA HOME INSURANCE Promo】
Enjoy 20% premium discount when purchase AXA Home Insurance via MoneySmart, T&C Apply.

Valid till 22 Jun 2026

APPLY NOW for AXA SmartHome Plus - Plan A
on AXA's secure site
Generali Home Package Insurance image
HK$550.40
HK$68820% OFF
Annual Premium
Generali Home Package Insurance
HK$15,000
Valuables Cover (per item)
HK$1,000,000
Max. Household Contents Cover
HK$7,500,000
Max. Liability To Third Party Cover

APPLY NOW for Generali Home Package Insurance
on Generali 's secure site
MSIG iHome Insurance - Plan B image
HK$605
HK$1,10045% OFF
Annual Premium
MSIG iHome Insurance - Plan B
HK$15,000
Valuables Cover (per item)
HK$750,000
Max. Household Contents Cover
HK$8,000,000
Max. Liability To Third Party Cover

【MSIG Enrolment Offer】
Use Promo Code "MSMART" when you apply for MSIG Home Insurance and enjoy 45% off

Valid till 30 Jun 2026

APPLY NOW for MSIG iHome Insurance - Plan B
on MSIG's secure site
Dah Sing Insurance HomeSure Household Insurance - Plan C image
HK$810
HK$1,08025% OFF
Annual Premium
Dah Sing Insurance HomeSure Household Insurance - Plan C
HK$30,000
Valuables Cover (per item)
HK$1,200,000
Max. Household Contents Cover
HK$12,000,000
Max. Liability To Third Party Cover
From 1 Jan – 30 June 2026, enjoy 25% off premiums with Dah Sing Insurance — secure more, spend less!

Valid till 30 Jun 2026

APPLY NOW for Dah Sing Insurance HomeSure Household Insurance - Plan C
on Dah Sing Insurance's secure site
BlueCross HomeSafe Protection Insurance - Plan B image
HK$784
HK$98020% OFF
Annual Premium
BlueCross HomeSafe Protection Insurance - Plan B
HK$9,000
Valuables Cover (per item)
HK$750,000
Max. Household Contents Cover
HK$9,000,000
Max. Liability To Third Party Cover
【BlueCross Special Offer】
Enjoy 20% premium discount when purchase via MoneySmart!

Valid till 31 Dec 2026

APPLY NOW for BlueCross HomeSafe Protection Insurance - Plan B
on Blue Cross's secure site
Sponsor
Avo Home Protection (Self-occupied) - Smart Decider image
HK$850
Annual Premium
Avo Home Protection (Self-occupied) - Smart Decider
N/A
Valuables Cover (per item)
HK$600,000
Max. Household Contents Cover
HK$5,000,000
Max. Liability To Third Party Cover
Apply via MoneySmart and use Promo Code "mshome20" to enjoy 20%off for Avo Home Protection Insurance!
Apply now!

Valid till 31 Dec 2026

APPLY NOW for Avo Home Protection (Self-occupied) - Smart Decider
on Avo Insurance's secure site
PRUChoice Home Insurance - Harmony Plan image
HK$680
Annual Premium
PRUChoice Home Insurance - Harmony Plan
HK$750,000
Household Contents Potection
HK$10,000,000
Third Party Legal Liability Coverage
HK$10,000
Valuables Protection (per item)

APPLY NOW for PRUChoice Home Insurance - Harmony Plan
on Prudential's secure site
Zurich HomeChoice Insurance Plan (Householder Insurance) image
HK$732.20
HK$1,04630% OFF
Annual Premium
Zurich HomeChoice Insurance Plan (Householder Insurance)
HK$20,000
Valuables Cover (per item)
HK$750,000
Max. Household Contents Cover
HK$10,000,000
Max. Liability To Third Party Cover
Apply via MoneySmart and use Promo Code "MSHOME30" to enjoy 30%off for Zurich HomeChoice Insurance on the first year's premium!
Apply now!

Valid till 30 Jun 2026

APPLY NOW for Zurich HomeChoice Insurance Plan (Householder Insurance)
on Zurich's secure site
QBE Home Plus Protection Package - Prestige Plan image
HK$1,265
Annual Premium
QBE Home Plus Protection Package - Prestige Plan
HK$25,000
Valuables Cover (per item)
HK$1,500,000
Max. Household Contents Cover
HK$10,000,000
Max. Liability To Third Party Cover

APPLY NOW for QBE Home Plus Protection Package - Prestige Plan
on QBE's secure site
Dah Sing Insurance HomeSure Household Insurance - Plan B image
HK$510
HK$68025% OFF
Annual Premium
Dah Sing Insurance HomeSure Household Insurance - Plan B
HK$15,000
Valuables Cover (per item)
HK$600,000
Max. Household Contents Cover
HK$6,000,000
Max. Liability To Third Party Cover
From 1 Jan – 30 June 2026, enjoy 25% off premiums with Dah Sing Insurance — secure more, spend less!

Valid till 30 Jun 2026

APPLY NOW for Dah Sing Insurance HomeSure Household Insurance - Plan B
on Dah Sing Insurance's secure site
BOCG Insurance Premier Home Comprehensive Insurance - Plan 3 image
HK$872.10
HK$1,02615% OFF
Annual Premium
BOCG Insurance Premier Home Comprehensive Insurance - Plan 3
HK$20,000
Valuables Cover (per item)
HK$1,200,000
Max. Household Contents Cover
HK$10,000,000
Max. Liability To Third Party Cover

APPLY NOW for BOCG Insurance Premier Home Comprehensive Insurance - Plan 3
on BOCG Insurance's secure site
Allianz Home Insurance - Gold Plan image
HK$679
Annual Premium
Allianz Home Insurance - Gold Plan
HK$24,000
Valuables Cover (per item)
HK$1,200,000
Max. Household Contents Cover
HK$8,000,000
Max. Personal Liability Cover

APPLY NOW for Allianz Home Insurance - Gold Plan
on Allianz Insurance 's secure site
Allianz Home Insurance - Silver Plan image
HK$521
Annual Premium
Allianz Home Insurance - Silver Plan
HK$14,000
Valuables Cover (per item)
HK$700,000
Max. Household Contents Cover
HK$6,000,000
Max. Personal Liability Cover

APPLY NOW for Allianz Home Insurance - Silver Plan
on Allianz Insurance 's secure site
Sponsor
OneDegree Home Insurance - Plus Plan image
HK$967.64
HK$1,42332% OFF
Annual Premium
OneDegree Home Insurance - Plus Plan
HK$15,000
Valuables Cover (per item)
HK$1,000,000
Max. Household Contents Cover
HK$12,000,000
Max. Liability To Third Party Cover
【OneDegree HOME INSURANCE Special Promo】
Purchase OneDegree Home Insurance Level Up via MoneySmart to get 32% off on the first year premium.
-Enter referral code「SMART68」to enroll OneDegree Home Insurance to get a HK$ 200 supermarket e-voucher! (provided by OneDegree)

Valid till 31 Jul 2026

APPLY NOW for OneDegree Home Insurance - Plus Plan
on OneDegree's secure site
MSIG iHome Insurance - Plan A image
HK$737
HK$1,34045% OFF
Annual Premium
MSIG iHome Insurance - Plan A
HK$15,000
Valuables Cover (per item)
HK$1,000,000
Max. Household Contents Cover
HK$8,000,000
Max. Liability To Third Party Cover

【MSIG Enrolment Offer】
Use Promo Code "MSMART" when you apply for MSIG Home Insurance and enjoy 45% off

Valid till 30 Jun 2026

APPLY NOW for MSIG iHome Insurance - Plan A
on MSIG's secure site
Allianz Home Insurance - Platinum Plan image
HK$1,043
Annual Premium
Allianz Home Insurance - Platinum Plan
HK$30,000
Valuables Cover (per item)
HK$1,500,000
Max. Household Contents Cover
HK$12,000,000
Max. Personal Liability Cover

APPLY NOW for Allianz Home Insurance - Platinum Plan
on Allianz Insurance 's secure site
Sponsor
Avo Home Protection (Tenant) - Smart Decider image
HK$575
Annual Premium
Avo Home Protection (Tenant) - Smart Decider
N/A
Valuables Cover (per item)
HK$600,000
Max. Household Contents Cover
HK$5,000,000
Max. Liability To Third Party Cover
Apply via MoneySmart and use Promo Code "mshome20" to enjoy 20%off for Avo Home Protection Insurance!
Apply now!

Valid till 31 Dec 2026

APPLY NOW for Avo Home Protection (Tenant) - Smart Decider
on Avo Insurance's secure site
AXA SmartHome Plus - Plan B image
HK$1,461.60
HK$1,82720% OFF
Annual Premium
AXA SmartHome Plus - Plan B
HK$10,000
Valuables Cover (per item)
HK$1,200,000
Max. Household Contents Cover
HK$10,000,000
Max. Liability To Third Party Cover
【AXA HOME INSURANCE Promo】
Enjoy 20% premium discount when purchase AXA Home Insurance via MoneySmart, T&C Apply.

Valid till 22 Jun 2026

APPLY NOW for AXA SmartHome Plus - Plan B
on AXA's secure site
QBE Home Plus Protection Package - Premier Plan image
HK$754
Annual Premium
QBE Home Plus Protection Package - Premier Plan
HK$20,000
Valuables Cover (per item)
HK$1,000,000
Max. Household Contents Cover
HK$5,000,000
Max. Liability To Third Party Cover

APPLY NOW for QBE Home Plus Protection Package - Premier Plan
on QBE's secure site

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
Home Insurance PlanMSIG iHome Insurance Plan BAnnual PremiumHK$770.94HIGHLIGHTED BENEFITSCover accidental loss of or damage to household improvement for up to HK$100,000
Home Insurance PlanAXA SmartHome Plus - Plan AAnnual PremiumHK$941.80HIGHLIGHTED BENEFITSCover outdoor furniture and similar items that are usually in the open
Home Insurance PlanSompo HouseholdJoyAnnual PremiumHK$700.60HIGHLIGHTED BENEFITSPay for the accidental breakage of window glass at your Home caused by typhoon or “Black” rainstorm.
Home Insurance PlanZurich HomeChoice Insurance Plan Annual PremiumHK$750.64HIGHLIGHTED BENEFITSWorldwide protection including repair cost for mobile phone, laptop or tablet computers
Home Insurance PlanFWD HomeCare InsuranceAnnual PremiumHK$630.54HIGHLIGHTED BENEFITSValuables 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.
Two column content

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.
Two column content

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
Insurance Provider / Insurance PlanAXA SmartHome Plus Plan B Home Contents Coverage HK$600,000 Liability to Third-Party Coverage HK$20,000,000
Insurance Provider / Insurance PlanZurich Home Choice - Householder Home Contents Coverage HK$1,250,000 Liability to Third-Party Coverage HK$10,000,000
Insurance Provider / Insurance PlanChubb MyHomeGuard Home Contents Coverage HK$6,000,000 Liability to Third-Party Coverage HK$10,000,000
Insurance Provider / Insurance PlanAIG Premium Home Plus – Enhanced Version (Standard Plan) Home Contents Coverage HK$1,000,000 Liability to Third-Party Coverage 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.