10Life Financial Limited
Enquiries: enquiries@10life.com
Hotline: (852) 3705 1599
Address: 16/F Greatmany Centre, 109-115 Queen’s Road East, Wan Chai, Hong Kong
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Home Insurance Comparison 2026
Quote Info
Quick Guide
Property Age 35 years
Saleable Area 300 sq. ft.
Quote Info
Quick Guide
Quick Guide
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?
Home Owner (Self-Occupied)
Home insurance provides home property and legal liability coverage, safeguarding your home sweet home.
Landlord
Home insurance covers property damage at your unit by the tenant, and some products can also cover rent defaults.
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.
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.
