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    Home Insurance

    There are basically three kinds of home plan on offer in Hong Kong, depending on the insurers' target market. We would categorise the plans on offer as either being designed for the:

    Those that rate by the square feet are typically more of a mass market product, designed to simplify the calculation process, as we all know size of our homes.

    These products tend to be lower priced than the more traditionally rated products and to have correspondingly more restrictive cover. Eg: no cover for iPhones or iPads etc.


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    Providing Home Insurance from the following Providers:

    Get in touch with us to find out which Home Insurance plan is best suited for your needs!

    Home Insurance Comparison Table

    Looking for Executive Home Insurance?

    An 'Executive' Home insurance product we define as one that offers an 'agreed value' policy and one that covers over USD8,000 in lost cash.

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    Fill out our inquiry form, and we'll identify the perfect policy to suit your requirements and lifestyle.

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    Home Insurance Endorsements and Riders

    Homeowners can add endorsements or riders to their policies to customize coverage for specific needs. For example, they can add coverage for expensive jewelry, art, or collectibles.

    Home insurance Coverage Types

    Home insurance typically offers coverage for different types of risks. The main types of coverage include:

    a. Dwelling Coverage: Protects the physical structure of the home, including the walls, roof, floors, and built-in appliances.

    b. Personal Property Coverage: Covers personal belongings inside the home, such as furniture, electronics, clothing, and other possessions.

    c. Liability Coverage: Provides financial protection in case someone is injured on the property and the homeowner is held legally responsible for the injury.

    d. Additional Living Expenses (ALE) Coverage: Covers the cost of temporary accommodation if the insured home becomes uninhabitable due to a covered event.

    Perils Covered in Home Insurance

    Home insurance policies typically cover various perils, such as fire, lightning, windstorm, hail, theft, vandalism, and certain types of water damage. However, certain perils, such as earthquakes and floods, are usually excluded and may require separate coverage.

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