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Compare Home Insurance in Hong Kong
Compare 10+ home insurance and get a full picture of the premium and coverage of the plans!
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Tips for Domestic Home Insurance

  • Buy home insurance at a cheaper price and save up to HK$700.
  • Enjoy higher household contents coverage, the difference can be up to HK$ 10,000,000.

  • Compare with MoneyHero.com.hk to save time and money with our quick and easy recommendation service.

    Be careful in comparing below basic coverage for Home Insurance before you make your purchase:

  • Water Pipe Leakage
  • Household Content
  • WorldWide Personal Belongings

  • If you have hire domestic helpers or have a pet, you might also want to know more about these coverage:

  • Domestic Helper's Effect
  • Pet Medical Expenses
  • Water pipe leakage coverage is usually categorized into Property loss due to water leakage and Maintenance cost of pipe, different insurance companies provide different level of coverage:

    Insurance Compny Property loss due to water leak 24 hours emergency service (Maintenance cost of pipe)
    Allied World Water draining system maintenance
    AXA Referral only*
    Dah Sing Water draining system maintenance
    FWD
    MSIG ✓^ Referral only
    Prudential
    Zurich Water supply system maintenance

    *The relevant cost will only be covered if the pipe is your own improvement but not the original structure.

    Besides, if the water from the burst pipe damages the property of your neighbour, such as the apartment downstairs, AXA will cover your liability for such damage.


    Back to main coverage

    Before you decide which plan to buy, you have to first consider the "Household Content Cover". The maximum benefit could vary from HK$500,000 to HK$1,500,000 and some insurance companies' coverage are depending on the property area.

    Insurance Company (Plan) Home Content Cover
    Allied World(Plan I) $600,000
    AXA (SmartHome Optimum) $750,000-$1,500,000*
    Dah Sing (Plan B) $600,000
    FWD (Easy HomeCare ) $500,000
    MSIG (Plan B) $750,000
    Prudential (Harmony) $500,000
    Zurich (Standard) $750,000-$1,250,000*
    CHUBB MyHomeGuard Plan A - High Risk House $300,000

    *Varies from gross floor area

    In addition, each company will set a maximum limit for each property. Usually, there are two types of property including "Personal effects" and "Valuables". Most of the insurance companies will set a maximum limit for "Valuables" in between HK$150,000 to HK$ 250,000 per year.

    Insurance Company (Plan) Personal Effects Cover^ Valuables Cover^
    Allied World(Plan I) $30,000 $10,000
    AXA(SmartHome Optimum) $150,000 $15,000
    Dah Sing (Plan B) $3,000 $15,000
    FWD (Easy HomeCare ) $100,000 $10,000
    MSIG (Plan B) $100,000 $15,000
    Prudential (Harmony) $50,000 $10,000
    Zurich (Standard) $20,000 $20,000
    CHUBB MyHomeGuard Plan A - High Risk House $100,000 $10,000

    ^Each item

    Back to main coverage

    One of the benefits of buying a home insurance is your personal belongings could be covered even you are not in Hong Kong (when you are in a business trip or travelling around the world). The benefit is up to HK$5,000 to HK$20,000. However, only MSIG, Dah Sing and Prudential provide free covereage for worldwide personal belongings, and Zurich provides optional plan with additional price so you could choose the coverage that suit you the best.

    Insurance Company (Plan) Personal Effects and ValuablesCover
    Allied World (Plan I) $5,000
    AXA (SmartHome Optimum) $30,000
    Dah Sing (Plan B) $15,000
    FWD (Easy HomeCare ) Not applicable
    MSIG (Plan B) $11,250
    Prudential (Harmony) $10,000
    Zurich (Standard) Optional coverage, depends on additional premium
    (free coverage for mobile, tablet and laptop)
    CHUBB MyHomeGuard Plan A - High Risk House $2,500

    Besides, majority of insurance companies will list the coverage and maximum limit per policy year for "Loss of Personal Money", "Unauthorized use of Credit Card" and "Loss of Personal Documents" separately.

    Insurance Company (Plan) Loss of Personal Money Unauthorized use of Credit Card Loss of Personal Documents
    Allied World (Plan I) $2,500 $2,500 $2,500
    AXA (SmartHome Optimum) $2,500 $10,000 $1,500
    Dah Sing (Plan B) $1,500 $3,000 $1,000
    FWD (Easy HomeCare) Not applicable Not applicable Not applicable
    MSIG (Plan B) $2,500 $10,000 $1,000
    Prudential (Harmony) $2,000 $2,000 $1,000
    Zurich (Standard) $5,000 $20,000 $5,000
    CHUBB MyHomeGuard Plan A - High Risk House $2,500 $2,500 $2,500

    Back to main coverage

    Each insurance companies has its own handlig for the coverage of domestic helper's effect. For example, Allied World and FWD list in details the maximum coverage for each item in each policy year but MSIG only lists the maximum coverage. Besides, domestic helper's effect is included in household content coverage in Prudential, CHUBB and Zurich's plan, while it is excluded in Dah Sing Insurance's plan.

    Insurance Company (Plan) Domestic Helper's Effect Cover (Maximum Limit/year) Domestic Helper's Effect Cover (Maximum Limit/item)
    Allied World (Plan I) $10,000 $2,500
    AXA (SmartHome Optimum) $25,000/each helper $1,000
    Dah Sing (Plan B) X X
    FWD (Easy HomeCare ) $5,000 $1,000
    MSIG (Plan B) $5,000 Not applicable

    Back to main coverage

    Dah Sing home insurance includes "Pet Cover" which cover medical expenses of your pet including out-patient and laboratory test. Dah Sing Plan B & Plan C could provide maximum of HK$3,500 benefit per year. Maximum cover for outpatient expenses is HK$300 per day, while maximum cover for X-Ray and Laboratory test is HK$2,000 (HK$1,000 per visit per day).

    However, this is an optional coverage with HK$600 premium per year for each pet.

    Back to main coverage

    You could enjoy up to 20% discount by buying home insurance via Moneyhero.com.hk for CHUBB and Allied World Plan now!

    For the event terms and conditions, please visit here.

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