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Protect Your Home Today — Be Ready for the Unexpected

Enjoy 15% premium discount with online application

Enjoy a complimentary HK$50 YATA Cash Coupon* for all successful applications submitted by 31 December 2026.
*Applicable to new customers only. 


Why Get Cover Now?

Home accidents, unexpected damage, or third-party liabilities can lead to significant financial loss. With Householders’ Comprehensive Insurance, you can safeguard your home contents and personal valuables — and enjoy greater peace of mind knowing you are protected when it matters most.

Key Highlights

  • “New for Old” Settlement

    Provides repair, reinstatement, or replacement of your home contents or personal valuables to an 'as-new' standard

  • Three Flexible Plans

    Tailored to suit different household needs

  • All Risks Protection

    Covers your home contents and personal valuables — including furniture, household appliances, home decoration, jewellery, watches and more — with annual coverage up to HK$1,000,000.

    Provides personal liability cover with maximum limit up to HK$10,000,000 (subject to Hong Kong jurisdiction). 

    Insured Perils includes:

    • Fire and explosion
    • Water damage
    • Theft and burglary
    • Typhoon, windstorm and flooding
    • Accidental damage and unforeseen incidents 

Extra Free Protections

Personal Money

Up to HK$3,000 for accidental loss or theft of money in your home.

Personal Accident

Up to HK$50,000 per person and HK$150,000 in aggregate in the event of death or permanent disablement of you or your family members as a result of fire, armed robbery or theft in your home.

Alternative Accommodation

HK$1,500 per day and HK$30,000 in aggregate for reimbursement for temporary accommodation should your home become uninhabitable as a result of any insured peril. 

View All
Free Extra Protections
Coverage Item
Maximum Limit of Indemnity
Personal Money
Accidental loss or theft of money in your home
Up to HK$3,000
Personal Accident
Death or permanent disablement of you or your family members caused by fire, armed robbery, or theft in your home
Up to HK$50,000 per person
HK$150,000 in aggregate
Temporary Removal
Loss of or damage to home contents that are temporarily removed from your home for renovation, cleaning or repair
Up to HK$20,000
Alternative Accommodation
Reimbursement for temporary accommodation should your home become uninhabitable as a result of any insured peril
HK$1,500 per day
HK$30,000 in aggregate
Locks and Keys
Cost of repairing locks, keys and windows damaged as a result of burglary or attempt theft
Up to HK$2,000
Removal of Debris
Cost of removal of debris when household contents are accidentally lost or damaged
Up to HK$15,000 per year
Interior Alterations or Refurbishment Works
Accidental loss of or damage to home contents during interior alterations or refurbishment works, subject to related maximum contract value and period.
(Subject to maximum contract value & period)

Plans

The product offers three plan options. You can freely choose from the three plans we provide. Each plan offers different levels of coverage and premium options, with the aim of tailoring a home protection that is just right for you.

Maximum Limits per year (HK$)

Diamond

Annual Premium:

Gold

Annual Premium:

Silver

Annual Premium:
Aggregate Limit of lndemnity
1,000,000
500,000
300,000
per item
150,000
75,000
40,000
per item
10,000
6,000
3,000
aggregate limit
200,000
120,000
60,000
per item
3,000
2,000
1,000
aggregate limit
25,000
15,000
7,500
Money
3,000
2,000
1,000
Personal Accident
- you & each family member
50,000
25,000
10,000
- aggregate limit
150,000
75,000
30,000
Temporary Removal
20,000
10,000
5,000
Alternative Accommodation
- per day
1,500
800
600
- aggregate limit
30,000
15,000
10,000
Locks and Keys
2,000
Removal of Debris
15,000
7,500
4,000
Interior Alterations or Refurbishment Works - Subject to max. contract value and contract period not exceeding two months
According to the coverage of Home Contents Section
max. contract value of: Diamond HK$150,000 / Gold HK$100,000 / Silver HK$50,000
Aggregate Limit of Indemnity
10,000,000
8,000,000
5,000,000

GENERAL EXCLUSIONS

  • Unoccupied home not lived in for 30 consecutive days.
  • Spectacles, contact or corneal lenses, mobile/portable phones and pagers.
  • Special equipment or apparatuses used in connection with any profession, business or employment, or items which are insured under a separate policy.
  • Uninsurable risks such as scratching, corrosion, wear and tear, mechanical or electrical breakdown.
  • Malicious damage or vandalism by a person lawfully in your home.
  • Detention, seizure or confiscation by customs or other officials.
  • Contents on roof or in open area.
  • Aerial devices or satellite dishes.
  • Loss or damage due to war, terrorism, radioactive contamination or sonic booms.
  • HK$1,000 deductible on each claim for home contents or valuables damaged by typhoon, windstorm, flooding and other water damage
  • HK$500 deductible on each claim for home contents or valuables damaged by other perils.
  • HK$2,000 or 10% of each claim (whichever is the greater) deductible for home contents resulting from theft.

 

The above premium does not include levy. A levy of 0.1% on premium shall be imposed.

The information in this website is a general summary. Please refer to the actual policy for exact terms and conditions.

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FAQ

Home insurance is usually offered as a Comprehensive policy that protects your household contents against unexpected loss or damage.

If unfortunate home incidents such as fire, theft, water leakage or burst pipes occur and damage your belongings — including furniture, electrical appliances, clothing and valuables — home insurance helps cover the repair or replacement costs, reducing your financial burden.

In addition, home insurance also provides *personal liability cover. For example, if water leakage from your flat damages the unit below and you are found legally responsible, you may face compensation claims and legal expenses. Home insurance acts as a *financial safety net*, offering protection against such third-party claims.

Whether you are a homeowner or tenant, living in the property yourself or renting it out, you can purchase home insurance at any time to better protect your belongings and reduce potential losses caused by accidents.

Below are some common situations where home insurance is especially important:

  1. When you become a homeowner

    Banks usually require homeowners to purchase fire insurance when applying for a mortgage. However, fire insurance mainly covers the building structure only, and does not protect household contents or provide personal liability cover.

    Without home insurance, you may need to bear the cost of damaged belongings or compensate third parties if accidents occur.

     

  2. When you move into a rented home

    Banks usually require homeowners to purchase fire insurance when applying for a mortgage. However, fire insurance mainly covers the building structure only, and does not protect household contents or provide personal liability cover.

    Without home insurance, you may need to bear the cost of damaged belongings or compensate third parties if accidents occur.

The key difference is that Home Insurance provides broader protection. 

Home Insurance covers: House contents, personal valuables and Personal Liability to third parties. It also protects against a wide range of incidents, such as-

  • Fire, theft, flooding and water damage;
  • Accidental breakage of glasses windows;
  • Damage to home contents during a minor renovation works;
  • Temporary accommodation expenses if you home becomes uninhabitable due to an insured event.

Fire insurance, on the other hand, mainly protects the building structure (Such as walls, floors and ceilings) against insured risks like fire, flooding or burst pipes. 

For the most comprehensive protection, homeowners may consider taking out both fire insurance and home insurance, creating a stronger safety net for yourselves and the families. 

Disclaimer

The above FAQ provides a general summary for reference purposes only. It is not intended to be comprehensive and does not constitute advice or a recommendation of any kind. Please refer to the actual policy for exact terms and conditions.