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Find the Best Home Insurance in Hong Kong 2024

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Breezy Home - Comprehensive Plan

Breezy Home - Comprehensive Plan

MoneyHero Exclusive OfferFeatured Product
Breezy Home - Comprehensive Plan
0sq. ft.
Min. Gross Floor Area
500sq. ft.
Max. Gross Floor Area
HK$
HK$1,250,000
Max. Household Contents Cover
HK$
HK$742
Annual PremiumOriginal Price: HK$1,060
MoneyHero Exclusive Offer:
Enjoy 30% off first year premium per successful application through MoneyHero

Please click to get details product info: https://www.zurich.com.hk/en/products/home/breezy-home-insurance-plan-householder-partners?utm_source=moneyhero

Apply via MoneyHero to get the best price, guaranteed.

Offers cashless emergency assistance services on electrical, plumbing and locksmith
Provides alternative accommodation with meals when your home is uninhabitable due to accidental damage
Offers cashless emergency assistance services on electrical, plumbing and locksmith
Provides alternative accommodation with meals when your home is uninhabitable due to accidental damage
Annual Premium
HK$742
Original Price: HK$1,060
Home Package Insurance

Home Package Insurance

MoneyHero Exclusive OfferFeatured Product
Home Package Insurance
0sq. ft.
Min. Gross Floor Area
500sq. ft.
Max. Gross Floor Area
HK$
HK$1,000,000
Max. Household Contents Cover
HK$
HK$516
Annual PremiumOriginal Price: HK$688
MoneyHero Exclusive Offer:
MoneyHero Exclusive Offer: Enjoy exclusive benefits for home insurance applications through our website:

1. Enjoy 25% premium discount per successful application, enjoy up to HK$5,000 Accidental Medical Expenses Benefit for free in the first policy year upon purchase

2. Get HK$100 supermarket coupon if apply for both home content and home building coverages under the under the ‘Home Package Insurance’. (The total annual premium after discount for the designated plan must be HK$1,000 or above)

3. New customers who purchase any Generali Insurance products through MoneyHero during the promotion period will eligible $100 Travel Expert discount offer if the flight ticket order is over HKD3,000 (Applicable for booking on Travel Expert website). This offer is provided by Generali and valid until 30 September 2024 – Please refer to the gift redemption Terms and Condition.

Apply via MoneyHero to get the best price, guaranteed. Learn more here (Chinese only).

Annual coverage of HK$7,500,000 on legal liability, Annual coverage of HK$250,000 on personal accident
Annual coverage of HK$250,000 on personal accident
Comprehensive coverage of HK$500 excess per claim
Annual coverage of HK$7,500,000 on legal liability, Annual coverage of HK$250,000 on personal accident
Annual coverage of HK$250,000 on personal accident
Comprehensive coverage of HK$500 excess per claim
Annual Premium
HK$516
Original Price: HK$688
OneDegree Home Insurance (Standard Plan)

OneDegree Home Insurance (Standard Plan)

MoneyHero Exclusive OfferFeatured Product
OneDegree Home Insurance (Standard Plan)
0sq. ft.
Min. Gross Floor Area
500sq. ft.
Max. Gross Floor Area
HK$
HK$800,000
Max. Household Contents Cover
HK$
HK$538
Annual PremiumOriginal Price: HK$815
MoneyHero Exclusive Offer:
MoneyHero Exclusive Offer: Enjoy exclusive benefits for home insurance applications through our website:

1. Enjoy 34% premium discount (Input promotion code hero66) per successful application
2. 【Typhoon Season Sale】Extra HKD$100 HKTVmall e-Voucher for successful application. Terms and Conditions apply. 【Till 27 June 6pm】

Apply via MoneyHero to get the best price, guaranteed. Learn more here.

Third-party liability cover of up to HK$10 million
Optional plan for home appliances warranty
Third-party liability cover of up to HK$10 million
Optional plan for home appliances warranty
Annual Premium
HK$538
Original Price: HK$815
iHome Insurance Plan B

iHome Insurance Plan B

MoneyHero Exclusive OfferFeatured Product
iHome Insurance Plan B
0sq. ft.
Min. Gross Floor Area
500sq. ft.
Max. Gross Floor Area
HK$
HK$750,000
Max. Household Contents Cover
HK$
HK$605
Annual PremiumOriginal Price: HK$1,100
MoneyHero Exclusive Offer:
MoneyHero Exclusive Offer: Enjoy exclusive benefits for home insurance applications through our website:

1. Enjoy 45% premium discount (Input promotion code MSIG20) per successful application
2. 【Typhoon Season Sale】Extra HKD$100 HKTVmall e-Voucher for successful application. Terms and Conditions apply. 【Till 27 June 6pm】

Personal liability cover up to HK$8,000,000
Mobile phone / tablet or laptop computer coverage up to HK$2,000; Online purchased goods coverage up to HK$7,500
Personal liability cover up to HK$8,000,000
Mobile phone / tablet or laptop computer coverage up to HK$2,000; Online purchased goods coverage up to HK$7,500
Annual Premium
HK$605
Original Price: HK$1,100
Home Plus Protection Package Occupier (Premier)

Home Plus Protection Package Occupier (Premier)

MoneyHero Exclusive OfferFeatured Product
Home Plus Protection Package Occupier (Premier)
0sq. ft.
Min. Gross Floor Area
500sq. ft.
Max. Gross Floor Area
HK$
HK$1,000,000
Max. Household Contents Cover
HK$
HK$566
Annual PremiumOriginal Price: HK$754
MoneyHero Exclusive Offer:
MoneyHero Exclusive Offer: Enjoy exclusive benefits for home insurance applications through our website:

1. Enjoy 25% premium discount per successful application, enjoy up to HK$5,000 Accidental Medical Expenses Benefit for free in the first policy year upon purchase


Apply via MoneyHero to get the best price, guaranteed. Learn more here (Chinese only).

Optional cover plan for worldwide personal valuables on a named and unnamed basis
Cover both owner and occupier / tenant’s liability as well as personal liability maximum limit up to HK$10,000,000
Optional cover plan for worldwide personal valuables on a named and unnamed basis
Cover both owner and occupier / tenant’s liability as well as personal liability maximum limit up to HK$10,000,000
Annual Premium
HK$566
Original Price: HK$754
HomeSure Household Insurance Plan B

HomeSure Household Insurance Plan B

MoneyHero Exclusive OfferFeatured Product
HomeSure Household Insurance Plan B
0sq. ft.
Min. Gross Floor Area
500sq. ft.
Max. Gross Floor Area
HK$
HK$600,000
Max. Household Contents Cover
HK$
HK$510
Annual PremiumOriginal Price: HK$680
MoneyHero Exclusive Offer:
MoneyHero Exclusive Offer: Enjoy exclusive benefits for home insurance applications through our website:

1. Enjoy 25% premium discount (Input promotion code MH202401) per successful application
2. 【Typhoon Season Sale】Extra HKD$100 HKTVmall e-Voucher for successful application. Terms and Conditions apply. 【Till 27 June 6pm】

Annual Premium
HK$510
Original Price: HK$680
bolttech Insurance (Previously known as FWD General Insurance Company Limited) HomeCare Insurance

bolttech Insurance (Previously known as FWD General Insurance Company Limited) HomeCare Insurance

MoneyHero Exclusive OfferFeatured Product
bolttech Insurance (Previously known as FWD General Insurance Company Limited) HomeCare Insurance
0sq. ft.
Min. Gross Floor Area
500sq. ft.
Max. Gross Floor Area
HK$
HK$500,000
Max. Household Contents Cover
HK$
HK$441
Annual PremiumOriginal Price: HK$630
MoneyHero Exclusive Offer:
MoneyHero Exclusive Offer: Enjoy exclusive benefits for home insurance applications through our website:

1. Enjoy 30% premium discount per successful application

Apply via MoneyHero to get the best price, guaranteed. Learn more here (Chinese only).

Personal liability cover up to HK$5 million, "Excess Free" for Household Contents and Personal Liability
Optional cover of Worldwide All Risks and Building All Risks
Personal liability cover up to HK$5 million, "Excess Free" for Household Contents and Personal Liability
Optional cover of Worldwide All Risks and Building All Risks
Annual Premium
HK$441
Original Price: HK$630
MyHomeGuard Plan A - High Rise House

MyHomeGuard Plan A - High Rise House

MoneyHero Exclusive OfferFeatured Product
MyHomeGuard Plan A - High Rise House
0sq. ft.
Min. Gross Floor Area
No Limitation
Max. Gross Floor Area
HK$
HK$300,000
Max. Household Contents Cover
HK$
HK$718
Annual Premium
MoneyHero Exclusive Offer:
Get a HK$300 supermarket coupon per successful application via MoneyHero

  • No restriction on floor area and building age
  • Cover the replacement of glass broken as a loss caused by typhoon
Annual Premium
HK$718
AXA SmartHome Plus Insurance Policy

AXA SmartHome Plus Insurance Policy

MoneyHero Exclusive OfferFeatured Product
AXA SmartHome Plus Insurance Policy
0sq. ft.
Min. Gross Floor Area
500sq. ft.
Max. Gross Floor Area
HK$
HK$600,000
Max. Household Contents Cover
HK$
HK$847
Annual PremiumOriginal Price: HK$941
MoneyHero Exclusive Offer:
MoneyHero Exclusive Offer: Enjoy exclusive benefits for home insurance applications through our website:

1. Enjoy 25% premium discount (Input promotion code MH202401) per successful application
2. 【Typhoon Season Sale】Extra HKD$100 HKTVmall e-Voucher for successful application. Terms and Conditions apply. 【Till 27 June 6pm】

Household contents and personal effects up to HK$45,000 per item
Liability to third party protection up to HK$10,000,000
Household contents and personal effects up to HK$45,000 per item
Liability to third party protection up to HK$10,000,000
Annual Premium
HK$847
Original Price: HK$941
Home Protection (Tenant) - Smart Decider

Home Protection (Tenant) - Smart Decider

MoneyHero Exclusive Offer
Home Protection (Tenant) - Smart Decider
0sq. ft.
Min. Gross Floor Area
1,200sq. ft.
Max. Gross Floor Area
HK$
HK$600,000
Max. Household Contents Cover
HK$
HK$374
Annual PremiumOriginal Price: HK$575
MoneyHero Exclusive Offer:
Enjoy 35% premium discount per successful application
Annual Premium
HK$374
Original Price: HK$575

Home Insurance Coverage Overview

MoneyHero provides you with a comprehensive list of different home insurance plans on the market, making it easier for you to compare their coverage and premium prices. While insuring your home through MoneyHero, you can also enjoy exclusive discounts and benefits!

Home Insurance Frequently Asked Questions

What are the factors that should be considered when purchasing home insurance?

  • Third-party liability coverage: If the insured, their tenants, domestic helpers, or pets are negligently involved in accidents that cause bodily injury or property damage to others, the insurance company will assume the relevant liability and compensation. For example, if a burst water pipe damages the elevators of a building and affects neighboring units accidentally, all of this falls within the scope of third-party liability coverage. As it’s difficult to estimate the amount of third-party liability compensation which could be significant, getting home insurance can help protect a resident from a sudden pecuniary burden in the event of unfortunate accidents.
  • Coverage limits per item: When purchasing home insurance, apart from just looking at the total coverage amount, you should also study the limits per item (general and valuable items). For example, in Generali's "Home Package Insurance," the limit per item is HK$50,000, and in bolttech's "HomeCare Insurance," if the property is damaged due to fire, floods, typhoon, explosion, theft, or accidents, the maximum compensation per item is HK$150,000. Therefore, remember to pay attention to the compensation amount for each item and the situations to which it applies when purchasing home insurance.

  • Excesses: It is worth noting that even if you have purchased home insurance, some insurance companies may require the policyholder to pay a deductible or excess when accidents occur (e.g. if the deductible is HK$500 and the loss is HK$4,500, the insurance company will only compensate up to HK$4,000). For example, in AIG's "Premium Home Plus – Enhanced Version," the excess for each and every non-water damage is HK$250 or 10% of the adjusted loss, whichever is higher, and in Generali's "Home Package Insurance," the excess for each and every claim for loss of or damage to third party property is HK$500. Therefore, when purchasing home insurance, pay attention to whether the plan requires payment of an excess.

Do tenants need to purchase home insurance?

Buying home insurance is not only a responsibility for homeowners but also for tenants. If unfortunate accidents (e.g., explosions, fires) or natural disasters (e.g., storms, typhoons) cause property damage, general home insurance can cover the insured's property losses. Tenants who have purchased home insurance can obtain coverage based on the terms of the policy.

Furthermore, as mentioned earlier, tenants also need to consider whether their home insurance includes third-party liability coverage, as tenants are also responsible for injury or property damage caused to other people by negligence. For example, if a window falls off, and causes injury or property damage to a third party, the amount involved in the compensation can be significant. By purchasing third-party liability insurance, tenants can obtain coverage according to the policy terms.

What is home insurance and what are the common coverage areas?

Home insurance provides coverage for loss or damage to household belongings. Some common coverage on the market are:

Loss or damage to household belongings due to accidents: such as due to explosions, fires, storms, floods, ceiling leaks, burst pipes, or theft. The loss or damage does not necessarily have to occur inside the home. Household belongings include furniture, electronic appliances, and even items like mobile phones, tablets, and laptops.

Temporary accommodation expenses for residents who need to move out due to accidents requiring home repairs: (e.g., needing to rent serviced apartments due to fires or stay in hotels due to water leaks inside the home during a typhoon)

Loss or damage to household belongings during renovation/maintenance periods: such as water leaks in the unit during renovation.

Do you need to purchase home insurance? What are the benefits of buying home insurance?

Regardless of the unit holder's identity (homeowner or tenant), the type of unit they own (e.g., private apartment, village house, public housing, tenement building, etc.), and its age, it is necessary to purchase home insurance.

Although policyholders need to pay the premiums regularly, the insurance company will assume responsibility on behalf of the policyholder when accidents occur. For example, it’s hard to estimate the amount of the compensation and legal liabilities resulting from a window falling off that hit someone or damaged someone's property, but if a successful claim is made to the insurance company, it can help save unexpected expenses.

Need some help?
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Water Pipe Leakage

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.

Household Content

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

WorldWide Personal Belongings

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



Domestic Helper's Effect

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

Pet Medical Expenses

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.

Discount Promotion for Home Insurance

You could enjoy up to 20% discount by buying home insurance via Moneyhero for Allied World, Zurich and Dah Sing Insurance Plan now!

For the event terms and conditions, please visit here.

Benefits Of Comparing 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 to save time and money with our quick and easy recommendation service.

MoneyHero

Disclaimer: MoneyHero makes every effort to keep information on our website accurate and up-to-date. This information may be different from what you see when you visit a financial institution or service provider’s site. APR and monthly payments shown in personal instalment loan comparison pages are estimated based on calculation of information you enter. All financial products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. If you find discrepancies in information, please contact the financial institution directly.

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