Home Insurance Comparison 2026

Home Insurance Quick Guide

We found 37 Home Insurance product(s) matching your selected filters.

Assumptions

Zurich | 蘇黎世

HomeChoice Insurance Plan

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-400 sq ft

Basic

10Life Score

9.6

/ 10

Home Content Score

10 / 10

First Year Premium (HKD)

HKD 837

1,046

Purchase Now

Dah Sing Insurance | 大新保險

HomeSure Plan C

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-400 sq ft

Basic

10Life Score

9.4

/ 10

Home Content Score

9 / 10

First Year Premium (HKD)

HKD 810

1,080

Purchase Now

Dah Sing Insurance | 大新保險

HomeSure Plan B

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-400 sq ft

Basic

10Life Score

9.1

/ 10

Home Content Score

8.8 / 10

First Year Premium (HKD)

HKD 510

680

Purchase Now

QBE | 昆士蘭保險

Home Plus Protection Package (Prestige)

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-400 sq ft

Basic

10Life Score

9.0

/ 10

Home Content Score

9.2 / 10

First Year Premium (HKD)

HKD 1,139

1,265

Purchase Now

Prudential | 保誠保險

PRUChoice Home - Premier

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-400 sq ft

Basic

10Life Score

9.0

/ 10

Home Content Score

8.4 / 10

First Year Premium (HKD)

HKD 860

Purchase Now

Prudential | 保誠保險

PRUChoice Home - Harmony

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-400 sq ft

Basic

10Life Score

8.8

/ 10

Home Content Score

7.9 / 10

First Year Premium (HKD)

HKD 680

Purchase Now

MSIG | 三井住友海上火災保險（香港）

iHome Insurance - Plan A

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-400 sq ft

Basic

10Life Score

8.7

/ 10

Home Content Score

8.3 / 10

First Year Premium (HKD)

HKD 737

1,340

Purchase Now

QBE | 昆士蘭保險

Home Plus Protection Package (Premier)

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-400 sq ft

Basic

10Life Score

8.6

/ 10

Home Content Score

9.1 / 10

First Year Premium (HKD)

HKD 679

754

Purchase Now

QBE | 昆士蘭保險

Home Plus Protection Package (Basic)

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-400 sq ft

Basic

10Life Score

8.6

/ 10

Home Content Score

9 / 10

First Year Premium (HKD)

HKD 577

641

Purchase Now

MSIG | 三井住友海上火災保險（香港）

iHome Insurance - Plan B

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-400 sq ft

Basic

10Life Score

8.6

/ 10

Home Content Score

8.3 / 10

First Year Premium (HKD)

HKD 605

1,100

Purchase Now

Chubb Insurance | 安達保險

My Home Guard Plan C

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-10000 sq ft

Basic

10Life Score

8.4

/ 10

Home Content Score

8.6 / 10

First Year Premium (HKD)

HKD 1,738

Purchase Now

Hang Seng | 恒生

Home Care Plus Home Insurance Plan - Premium Plan

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-390 sq ft

Basic

10Life Score

8.4

/ 10

Home Content Score

8.4 / 10

First Year Premium (HKD)

HKD 1,380

Blue Cross | 藍十字保險

Home Safe Protection A

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-9999 sq ft

Basic

10Life Score

8.3

/ 10

Home Content Score

9.2 / 10

First Year Premium (HKD)

HKD 1,263

1,578

Purchase Now

Chubb Insurance | 安達保險

My Home Guard Plan B

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-10000 sq ft

Basic

10Life Score

8.3

/ 10

Home Content Score

8.5 / 10

First Year Premium (HKD)

HKD 1,058

Purchase Now

Hang Seng | 恒生

Home Care Plus Home Insurance Plan - Standard Plan

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-390 sq ft

Basic

10Life Score

8.3

/ 10

Home Content Score

8.2 / 10

First Year Premium (HKD)

HKD 924

Zurich | 蘇黎世

HomeChoice Insurance Plan

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-400 sq ft

Basic

9.6

/ 10

10Life Score

Home Content Score

10 / 10

Liability Score

10 / 10

Personal Accident Score

6.3 / 10

First Year Premium (HKD)

1,046

HKD 837

Purchase Now

Dah Sing Insurance | 大新保險

HomeSure Plan C

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-400 sq ft

Basic

9.4

/ 10

10Life Score

Home Content Score

9 / 10

Liability Score

9.9 / 10

Personal Accident Score

9.2 / 10

First Year Premium (HKD)

1,080

HKD 810

Purchase Now

Dah Sing Insurance | 大新保險

HomeSure Plan B

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-400 sq ft

Basic

9.1

/ 10

10Life Score

Home Content Score

8.8 / 10

Liability Score

9.9 / 10

Personal Accident Score

7.9 / 10

First Year Premium (HKD)

680

HKD 510

Purchase Now

QBE | 昆士蘭保險

Home Plus Protection Package (Prestige)

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-400 sq ft

Basic

9.0

/ 10

10Life Score

Home Content Score

9.2 / 10

Liability Score

8.8 / 10

Personal Accident Score

8.8 / 10

First Year Premium (HKD)

1,265

HKD 1,139

Purchase Now

Prudential | 保誠保險

PRUChoice Home - Premier

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-400 sq ft

Basic

9.0

/ 10

10Life Score

Home Content Score

8.4 / 10

Liability Score

9.9 / 10

Personal Accident Score

8.8 / 10

First Year Premium (HKD)

HKD 860

Purchase Now

Prudential | 保誠保險

PRUChoice Home - Harmony

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-400 sq ft

Basic

8.8

/ 10

10Life Score

Home Content Score

7.9 / 10

Liability Score

9.9 / 10

Personal Accident Score

8.8 / 10

First Year Premium (HKD)

HKD 680

Purchase Now

MSIG | 三井住友海上火災保險（香港）

iHome Insurance - Plan A

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-400 sq ft

Basic

8.7

/ 10

10Life Score

Home Content Score

8.3 / 10

Liability Score

10 / 10

Personal Accident Score

5.3 / 10

First Year Premium (HKD)

1,340

HKD 737

Purchase Now

QBE | 昆士蘭保險

Home Plus Protection Package (Premier)

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-400 sq ft

Basic

8.6

/ 10

10Life Score

Home Content Score

9.1 / 10

Liability Score

8 / 10

Personal Accident Score

8.8 / 10

First Year Premium (HKD)

754

HKD 679

Purchase Now

QBE | 昆士蘭保險

Home Plus Protection Package (Basic)

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-400 sq ft

Basic

8.6

/ 10

10Life Score

Home Content Score

9 / 10

Liability Score

8 / 10

Personal Accident Score

8.8 / 10

First Year Premium (HKD)

641

HKD 577

Purchase Now

MSIG | 三井住友海上火災保險（香港）

iHome Insurance - Plan B

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-400 sq ft

Basic

8.6

/ 10

10Life Score

Home Content Score

8.3 / 10

Liability Score

10 / 10

Personal Accident Score

5 / 10

First Year Premium (HKD)

1,100

HKD 605

Purchase Now

Chubb Insurance | 安達保險

My Home Guard Plan C

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-10000 sq ft

Basic

8.4

/ 10

10Life Score

Home Content Score
 8.6 / 10   
Liability Score
 7.7 / 10   
Personal Accident Score
 10 / 10   

First Year Premium (HKD)

HKD 1,738

Purchase Now

Hang Seng | 恒生

Home Care Plus Home Insurance Plan - Premium Plan

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-390 sq ft

Basic

8.4

/ 10

10Life Score

Home Content Score
 8.4 / 10   
Liability Score
 8.8 / 10   
Personal Accident Score
 6.9 / 10   

First Year Premium (HKD)

HKD 1,380

Blue Cross | 藍十字保險

Home Safe Protection A

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-9999 sq ft

Basic

8.3

/ 10

10Life Score

Home Content Score

9.2 / 10

Liability Score

7.7 / 10

Personal Accident Score

6.3 / 10

First Year Premium (HKD)

1,578

HKD 1,263

Purchase Now

Chubb Insurance | 安達保險

My Home Guard Plan B

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-10000 sq ft

Basic

8.3

/ 10

10Life Score

Home Content Score
 8.5 / 10   
Liability Score
 7.7 / 10   
Personal Accident Score
 10 / 10   

First Year Premium (HKD)

HKD 1,058

Purchase Now

Hang Seng | 恒生

Home Care Plus Home Insurance Plan - Standard Plan

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-390 sq ft

Basic

8.3

/ 10

10Life Score

Home Content Score
 8.2 / 10   
Liability Score
 8.8 / 10   
Personal Accident Score
 6.9 / 10   

First Year Premium (HKD)

HKD 924

Zurich | 蘇黎世

HomeChoice Insurance Plan

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-400 sq ft

Basic

10Life Score

9.6

/ 10

Home Content Score

10 / 10

Liability Score

10 / 10

Personal Accident Score

6.3 / 10

First Year Premium (HKD)

HKD 837

1,046

Purchase Now

Dah Sing Insurance | 大新保險

HomeSure Plan C

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-400 sq ft

Basic

10Life Score

9.4

/ 10

Home Content Score

9 / 10

Liability Score

9.9 / 10

Personal Accident Score

9.2 / 10

First Year Premium (HKD)

HKD 810

1,080

Purchase Now

Dah Sing Insurance | 大新保險

HomeSure Plan B

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-400 sq ft

Basic

10Life Score

9.1

/ 10

Home Content Score

8.8 / 10

Liability Score

9.9 / 10

Personal Accident Score

7.9 / 10

First Year Premium (HKD)

HKD 510

680

Purchase Now

QBE | 昆士蘭保險

Home Plus Protection Package (Prestige)

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-400 sq ft

Basic

10Life Score

9.0

/ 10

Home Content Score

9.2 / 10

Liability Score

8.8 / 10

Personal Accident Score

8.8 / 10

First Year Premium (HKD)

HKD 1,139

1,265

Purchase Now

Prudential | 保誠保險

PRUChoice Home - Premier

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-400 sq ft

Basic

10Life Score

9.0

/ 10

Home Content Score

8.4 / 10

Liability Score

9.9 / 10

Personal Accident Score

8.8 / 10

First Year Premium (HKD)

HKD 860

Purchase Now

Prudential | 保誠保險

PRUChoice Home - Harmony

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-400 sq ft

Basic

10Life Score

8.8

/ 10

Home Content Score

7.9 / 10

Liability Score

9.9 / 10

Personal Accident Score

8.8 / 10

First Year Premium (HKD)

HKD 680

Purchase Now

MSIG | 三井住友海上火災保險（香港）

iHome Insurance - Plan A

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-400 sq ft

Basic

10Life Score

8.7

/ 10

Home Content Score

8.3 / 10

Liability Score

10 / 10

Personal Accident Score

5.3 / 10

First Year Premium (HKD)

HKD 737

1,340

Purchase Now

QBE | 昆士蘭保險

Home Plus Protection Package (Premier)

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-400 sq ft

Basic

10Life Score

8.6

/ 10

Home Content Score

9.1 / 10

Liability Score

8 / 10

Personal Accident Score

8.8 / 10

First Year Premium (HKD)

HKD 679

754

Purchase Now

QBE | 昆士蘭保險

Home Plus Protection Package (Basic)

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-400 sq ft

Basic

10Life Score

8.6

/ 10

Home Content Score

9 / 10

Liability Score

8 / 10

Personal Accident Score

8.8 / 10

First Year Premium (HKD)

HKD 577

641

Purchase Now

MSIG | 三井住友海上火災保險（香港）

iHome Insurance - Plan B

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-400 sq ft

Basic

10Life Score

8.6

/ 10

Home Content Score

8.3 / 10

Liability Score

10 / 10

Personal Accident Score

5 / 10

First Year Premium (HKD)

HKD 605

1,100

Purchase Now

Chubb Insurance | 安達保險

My Home Guard Plan C

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-10000 sq ft

Basic

10Life Score

8.4

/ 10

Home Content Score

8.6 / 10

Liability Score

7.7 / 10

Personal Accident Score

10 / 10

First Year Premium (HKD)

HKD 1,738

Purchase Now

Hang Seng | 恒生

Home Care Plus Home Insurance Plan - Premium Plan

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-390 sq ft

Basic

10Life Score

8.4

/ 10

Home Content Score

8.4 / 10

Liability Score

8.8 / 10

Personal Accident Score

6.9 / 10

First Year Premium (HKD)

HKD 1,380

Blue Cross | 藍十字保險

Home Safe Protection A

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-9999 sq ft

Basic

10Life Score

8.3

/ 10

Home Content Score

9.2 / 10

Liability Score

7.7 / 10

Personal Accident Score

6.3 / 10

First Year Premium (HKD)

HKD 1,263

1,578

Purchase Now

Chubb Insurance | 安達保險

My Home Guard Plan B

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-10000 sq ft

Basic

10Life Score

8.3

/ 10

Home Content Score

8.5 / 10

Liability Score

7.7 / 10

Personal Accident Score

10 / 10

First Year Premium (HKD)

HKD 1,058

Purchase Now

Hang Seng | 恒生

Home Care Plus Home Insurance Plan - Standard Plan

Self-Occupied

Multi-storey building

Property Age 35

Saleable Area 0-390 sq ft

Basic

10Life Score

8.3

/ 10

Home Content Score

8.2 / 10

Liability Score

8.8 / 10

Personal Accident Score

6.9 / 10

First Year Premium (HKD)

HKD 924

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10Life 編輯團隊

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.

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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.

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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.

Learn about our Scoring Methodology

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Which is the best insurance company for Home Insurance?

Learn about our Scoring Methodology

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