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Compare Home Insurance in Hong Kong 2025

Looking for property insurance, home insurance, landlord insurance or renter insurance? We have picked highlighted plans for you! Read More
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We found 43 Home Insurances for you!
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Allianz Home Insurance - Gold Plan

Annual Premium

HK$475.31

30% OffHK$679
MoneySmart Exclusive

Allianz Home Insurance - Gold Plan

Valuables Cover (per item)
HK$24,000
Max. Household Contents Cover
HK$1,200,000
Max. Personal Liability Cover
HK$8,000,000
Annual Premium
HK$67930% Off
HK$475.31
Premium from HK$1/ day
Purchase Allianz Home Insurance via MoneySmart to get 30% off. 

Producted for up to HKD 1.5 Million against fire, typhoon, theft, and so on; Personal belongings worldwide for up to HKD 30,000 a year
Valid until 31 Jul 2025 - See more details below
Apply NowApply directly on MoneySmart
Apply Now
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AXA SmartHome Plus - Plan A

Annual Premium

HK$846.90

10% OffHK$941
MoneySmart Exclusive

AXA SmartHome Plus - Plan A

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
HK$94110% Off
HK$846.90
Enjoy 10% premium discount when purchase AXA Home Insurance via MoneySmart
Valid until 01 Jul 2025 - See more details below
OneDegree Home Insurance - Standard Plan

Annual Premium

HK$649.40

32% OffHK$955
MoneySmart Exclusive
Sponsor

OneDegree Home Insurance - Standard Plan

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
HK$95532% Off
HK$649.40
【OneDegree HOME INSURANCE Special Promo】
Purchase OneDegree Home Insurance Level Up via MoneySmart to get 32% off on the first year premium.
-Enter referral code「SMART68」to enroll OneDegree Home Insurance to get a HK$ 200 supermarket e-voucher! (provided by OneDegree)
Valid until 30 Jun 2025 - See more details below
Apply Now
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Generali Home Package Insurance

Annual Premium

HK$550.40

20% OffHK$688

Generali Home Package Insurance

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
HK$68820% Off
HK$550.40
Dah Sing Insurance HomeSure Household Insurance - Plan C

Annual Premium

HK$756

30% OffHK$1,080
MoneySmart Exclusive
30% off Promo code "MS25Q2"

Dah Sing Insurance HomeSure Household Insurance - Plan C

Valuables Cover (per item)
HK$30,000
Max. Household Contents Cover
HK$1,200,000
Max. Liability To Third Party Cover
HK$12,000,000
Annual Premium
HK$1,08030% Off
HK$756
Get a 30% premium discount with promo code 'MS25Q2'!
Valid until 30 Jun 2025 - See more details below
Apply Now
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BlueCross HomeSafe Protection Insurance - Plan B

Annual Premium

HK$784

20% OffHK$980
MoneySmart Exclusive

BlueCross HomeSafe Protection Insurance - Plan B

Valuables Cover (per item)
HK$9,000
Max. Household Contents Cover
HK$750,000
Max. Liability To Third Party Cover
HK$9,000,000
Annual Premium
HK$98020% Off
HK$784
【BlueCross Special Offer】
Enjoy 20% premium discount when purchase via MoneySmart!
Valid until 31 Dec 2025 - See more details below
Apply Now
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MSIG iHome Insurance - Plan B

Annual Premium

HK$605

45% OffHK$1,100
MoneySmart Exclusive

MSIG iHome Insurance - Plan B

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
HK$1,10045% Off
HK$605
【MSIG Enrolment Offer】
Use Promo Code "MSIG20" when you apply for MSIG Home Insurance and enjoy 45% off and HK$100 HKTVmall e-Voucher!
Valid until 30 Jun 2025 - See more details below
Apply Now
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Avo Home Protection (Self-occupied) - Smart Decider

Annual Premium

HK$645

Sponsor

Avo Home Protection (Self-occupied) - Smart Decider

Valuables Cover (per item)
N/A
Max. Household Contents Cover
HK$600,000
Max. Liability To Third Party Cover
HK$5,000,000
Annual Premium
HK$645
Allianz Home Insurance - Silver Plan

Annual Premium

HK$364.71

30% OffHK$521
MoneySmart Exclusive

Allianz Home Insurance - Silver Plan

Valuables Cover (per item)
HK$14,000
Max. Household Contents Cover
HK$700,000
Max. Personal Liability Cover
HK$6,000,000
Annual Premium
HK$52130% Off
HK$364.71
Premium from HK$1/ day
Purchase Allianz Home Insurance via MoneySmart to get 30% off. 

Producted for up to HKD 1.5 Million against fire, typhoon, theft, and so on; Personal belongings worldwide for up to HKD 30,000 a year
Valid until 31 Jul 2025 - See more details below
Apply Now
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PRUChoice Home Insurance - Harmony Plan

Annual Premium

HK$680

PRUChoice Home Insurance - Harmony Plan

Household Contents Potection
HK$750,000
Third Party Legal Liability Coverage
HK$10,000,000
Valuables Protection (per item)
HK$10,000
Annual Premium
HK$680
Zurich HomeChoice Insurance Plan (Householder Insurance)

Annual Premium

HK$652.50

25% OffHK$870
Online Promo

Zurich HomeChoice Insurance Plan (Householder Insurance)

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$87025% Off
HK$652.50
Online Promo:
Apply via MoneySmart and use Promo Code "MSHOME25" to enjoy 25%off for Zurich HomeChoice Insurance on the first year's premium!
Apply now!
Valid until 30 Sep 2025 - See more details below
QBE Home Plus Protection Package - Prestige Plan

Annual Premium

HK$1,265

QBE Home Plus Protection Package - Prestige Plan

Valuables Cover (per item)
HK$25,000
Max. Household Contents Cover
HK$1,500,000
Max. Liability To Third Party Cover
HK$10,000,000
Annual Premium
HK$1,265
Dah Sing Insurance HomeSure Household Insurance - Plan B

Annual Premium

HK$476

30% OffHK$680
MoneySmart Exclusive
30% off Promo code "MS25Q2"

Dah Sing Insurance HomeSure Household Insurance - Plan B

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
HK$68030% Off
HK$476
Get a 30% premium discount with promo code 'MS25Q2'!
Valid until 30 Jun 2025 - See more details below
Apply Now
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BOCG Insurance Premier Home Comprehensive Insurance - Plan 3

Annual Premium

HK$1,026

BOCG Insurance Premier Home Comprehensive Insurance - Plan 3

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
HK$1,026
OneDegree Home Insurance - Plus Plan

Annual Premium

HK$879.92

32% OffHK$1,294
MoneySmart Exclusive
Sponsor

OneDegree Home Insurance - Plus Plan

Valuables Cover (per item)
HK$15,000
Max. Household Contents Cover
HK$1,000,000
Max. Liability To Third Party Cover
HK$12,000,000
Annual Premium
HK$1,29432% Off
HK$879.92
【OneDegree HOME INSURANCE Special Promo】
Purchase OneDegree Home Insurance Level Up via MoneySmart to get 32% off on the first year premium.
-Enter referral code「SMART68」to enroll OneDegree Home Insurance to get a HK$ 200 supermarket e-voucher! (provided by OneDegree)
Valid until 30 Jun 2025 - See more details below
Apply Now
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MSIG iHome Insurance - Plan A

Annual Premium

HK$737

45% OffHK$1,340
MoneySmart Exclusive

MSIG iHome Insurance - Plan A

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
HK$1,34045% Off
HK$737
【MSIG Enrolment Offer】
Use Promo Code "MSIG20" when you apply for MSIG Home Insurance and enjoy 45% off and HK$100 HKTVmall e-Voucher!
Valid until 30 Jun 2025 - See more details below
Apply Now
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Allianz Home Insurance - Platinum Plan

Annual Premium

HK$730.11

30% OffHK$1,043
MoneySmart Exclusive

Allianz Home Insurance - Platinum Plan

Valuables Cover (per item)
HK$30,000
Max. Household Contents Cover
HK$1,500,000
Max. Personal Liability Cover
HK$12,000,000
Annual Premium
HK$1,04330% Off
HK$730.11
Premium from HK$1/ day
Purchase Allianz Home Insurance via MoneySmart to get 30% off. 

Producted for up to HKD 1.5 Million against fire, typhoon, theft, and so on; Personal belongings worldwide for up to HKD 30,000 a year
Valid until 31 Jul 2025 - See more details below
Apply Now
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Avo Home Protection (Tenant) - Smart Decider

Annual Premium

HK$575

Sponsor

Avo Home Protection (Tenant) - Smart Decider

Valuables Cover (per item)
N/A
Max. Household Contents Cover
HK$600,000
Max. Liability To Third Party Cover
HK$5,000,000
Annual Premium
HK$575
AXA SmartHome Plus - Plan B

Annual Premium

HK$1,644.30

10% OffHK$1,827
MoneySmart Exclusive

AXA SmartHome Plus - Plan B

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
HK$1,82710% Off
HK$1,644.30
Enjoy 10% premium discount when purchase AXA Home Insurance via MoneySmart
Valid until 01 Jul 2025 - See more details below
QBE Home Plus Protection Package - Premier Plan

Annual Premium

HK$754

QBE Home Plus Protection Package - Premier Plan

Valuables Cover (per item)
HK$20,000
Max. Household Contents Cover
HK$1,000,000
Max. Liability To Third Party Cover
HK$5,000,000
Annual Premium
HK$754

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
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.