Home Insurance Comparison 2026

Quote Info
Quick Guide
Property Age 35 years
Saleable Area 300 sq. ft.
Quote Info
Quick Guide
Quick Guide
We found 8 Home Insurance product(s) matching your selected filters.
Zurich | 蘇黎世

HomeChoice Insurance Plan

Home Content
$750,000
Limit Per Home Content Item
$100,000
Temporary Accomodation Coverage
$60,000 ($3,000 per day)
Legal Liabilities
$10,000,000
Dah Sing Insurance | 大新保險

HomeSure Plan C

Home Content
$1,200,000
Limit Per Home Content Item
$120,000
Temporary Accomodation Coverage
$60,000
Legal Liabilities
$12,000,000
Prudential | 保誠保險

PRUChoice Home - Premier

Home Content
$1,500,000
Limit Per Home Content Item
Furniture & Appliances: $150,000
Temporary Accomodation Coverage
$90,000 ($3,000 per day)
Legal Liabilities
$15,000,000
Chubb Insurance | 安達保險

My Home Guard Plan B

Home Content
$500,000
Limit Per Home Content Item
$100,000 (specific items limit: $10,000)
Temporary Accomodation Coverage
$20,000
Legal Liabilities
$10,000,000
Allianz | 安聯

Home Insurance Plan - Gold

Home Content
$1,200,000
Limit Per Home Content Item
$240,000
Temporary Accomodation Coverage
$1,500 per day (Maximum 30 days)
Legal Liabilities
$8,000,000
OneDegree | OneDegree

Home Insurance (plus)

Home Content
$1,000,000
Limit Per Home Content Item
$75,000
Temporary Accomodation Coverage
$75,000 ($3,000 per day)
Legal Liabilities
$12,000,000
AXA Hong Kong and Macau | AXA 安盛

SmartHome Plus (Plan B)

Home Content
$1,200,000
Limit Per Home Content Item
Home Contents: subject to area table; valuables: $10,000; Desktop Computer: $5,000
Temporary Accomodation Coverage
$90,000 ($1,500 per day)
Legal Liabilities
$10,000,000
FWD | 富衛

HomeCare Insurance

Home Content
$500,000
Limit Per Home Content Item
$150,000
Temporary Accomodation Coverage
$50,000 ($1,500 per day)
Legal Liabilities
$5,000,000
Zurich | 蘇黎世

HomeChoice Insurance Plan

9.6
10
10Life Score
Premium 30%OFF
HK$ 732
Official HK$1,046
Home Content
$750,000
Limit Per Home Content Item
$100,000
Temporary Accomodation Coverage
$60,000 ($3,000 per day)
Legal Liabilities
$10,000,000
Dah Sing Insurance | 大新保險

HomeSure Plan C

9.4
10
10Life Score
Premium 25%OFF
HK$ 810
Official HK$1,080
Home Content
$1,200,000
Limit Per Home Content Item
$120,000
Temporary Accomodation Coverage
$60,000
Legal Liabilities
$12,000,000
Prudential | 保誠保險

PRUChoice Home - Premier

9.0
10
10Life Score
Premium
HK$ 860
Home Content
$1,500,000
Limit Per Home Content Item
Furniture & Appliances: $150,000
Temporary Accomodation Coverage
$90,000 ($3,000 per day)
Legal Liabilities
$15,000,000
Chubb Insurance | 安達保險

My Home Guard Plan B

8.3
10
10Life Score
Premium
HK$ 1,058
Home Content
$500,000
Limit Per Home Content Item
$100,000 (specific items limit: $10,000)
Temporary Accomodation Coverage
$20,000
Legal Liabilities
$10,000,000
Allianz | 安聯

Home Insurance Plan - Gold

7.6
10
10Life Score
Premium
HK$ 679
Home Content
$1,200,000
Limit Per Home Content Item
$240,000
Temporary Accomodation Coverage
$1,500 per day (Maximum 30 days)
Legal Liabilities
$8,000,000
OneDegree | OneDegree

Home Insurance (plus)

7.6
10
10Life Score
Premium 30%OFF
HK$ 831
Official HK$1,187
Home Content
$1,000,000
Limit Per Home Content Item
$75,000
Temporary Accomodation Coverage
$75,000 ($3,000 per day)
Legal Liabilities
$12,000,000
AXA Hong Kong and Macau | AXA 安盛

SmartHome Plus (Plan B)

7.2
10
10Life Score
Premium 20%OFF
HK$ 1,462
Official HK$1,827
Home Content
$1,200,000
Limit Per Home Content Item
Home Contents: subject to area table; valuables: $10,000; Desktop Computer: $5,000
Temporary Accomodation Coverage
$90,000 ($1,500 per day)
Legal Liabilities
$10,000,000
FWD | 富衛

HomeCare Insurance

6.6
10
10Life Score
Premium
HK$ 630
Home Content
$500,000
Limit Per Home Content Item
$150,000
Temporary Accomodation Coverage
$50,000 ($1,500 per day)
Legal Liabilities
$5,000,000
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Home Insurance Quick Guide

What is Home Insurance?

Loss of Home Property Due To Water Leaks, Wind Damage or heft
Rent Arrears
Legal Liability (including Third-Party Liability)

Home insurance provides coverage for your home contents, whether you are a home owner, landlord or tenant. It can also cover legal liability from negligence and personal accidents, easing your financial burden.

Home Insurance Glossary

Home Property Coverage

Compensation for damage to the policyholder and family members' home property due to accidents or theft.

Legal Liability Coverage

Common examples include "worldwide personal liabilities coverage", which covers the policyholder or family member from negligence that causes bodily injury or property damage to others. Some products further cover liability caused by domestic helpers, pets, and other factors.

Personal Accident Coverage

Compensation for bodily disability or death caused by designated accidents within the insured property.

Who needs Home Insurance?

業主(自住)

Home Owner (Self-Occupied)

Home insurance provides home property and legal liability coverage, safeguarding your home sweet home.
業主(出租)

Landlord

Home insurance covers property damage at your unit by the tenant, and some products can also cover rent defaults.
租客

Tenant

Home insurance covers home property purchased by both the landlord and the tenant. It also covers legal liability caused by the tenant.

Frequently Ask Questions

What is covered under home property?

Usually, it includes valuables, furniture, household appliances, computers, and personal items.

What should you be aware of when making a claim for home insurance?

Consumers should be aware of the claim deadline and procedures. Do not dispose any damaged items before inspection or approval from the insurance company, or it may affect the claim.

What is third-party liability coverage?

It covers the policyholder or family members who cause bodily injury or property damage to third parties due to personal negligence, such as burst water mains that damage building's elevator.

Does home insurance cover water leakage to the unit below?

If your unit's water leakage causes damage to the unit below, or even a lawsuit, the "personal legal liability coverage" of home insurance provides relevant compensation.

What coverage does home insurance provide during a typhoon?

 

Home insurance covers home property damage, such as damage to electrical appliances and personal property. Additionally, if a typhoon blows a window onto the street and causes injury to someone, the “third-party legal liability coverage” can be used to cover legal expenses.

Which is the best insurance company for Home Insurance?

When evaluating home insurance products, 10Life measures the extent of property coverage, legal liability coverage, and personal accident coverage based on the 3 scenarios (home owner, landlord, tenant), and rates the products accordingly.

Cross_Selling_Banner_Best_Insurer
Cross_Selling_Banner_Best_Insurer
Which is the best insurance company for Home Insurance?

When evaluating home insurance products, 10Life measures the extent of property coverage, legal liability coverage, and personal accident coverage based on the 3 scenarios (home owner, landlord, tenant), and rates the products accordingly.

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