HSBC HomeSurance | Home content insurance

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HSBC HomeSurance

A home is much more than walls and a roof. It’s an investment and somewhere that expresses who you and your family are. That’s why we offer home insurance cover that looks after the things within your home that you value most. Our home insurance (HomeSurance) provides comprehensive coverage and a range of optional benefits that you can choose to suit your own circumstances, leaving you free to enjoy your life without worrying about your most treasured possessions.

Limited time offer from 1 Jul to 31 Aug 2020:

Apply online to get HKD200 Wellcome gift voucher with HomeSurance. T&Cs apply, and
20% off first year premium and 15% off second year premium. T&Cs apply.

Key features

Household contents covered of up to HKD1.2 million and personal liability insurance for you and your family of up to HKD10 million
Choose from 3 plans and get the cover that meets your needs and budget
Your valuables covered even when you travel worldwide outside Hong Kong
New for old – your damaged or lost household contents or personal effects will be covered on the basis of replacing them with brand new items
Optional domestic helper, golfer and loss of rent insurance can be purchased to enhance your coverage
24-hour home assistance services hotline for emergency repairs such as electrical and plumbing

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Summary of cover

Household contents

We’ll insure you against accidental loss or damage to household contents and valuables up to HKD1.2 million, depending on the plan you choose. We have a ‘new for old’ policy, so you get brand new replacements for your household contents with no deductions for depreciation.

Personal liability insurance

Depending on your chosen plan, we also cover you, your family members, and your domestic helpers for up to HKD10 million if negligence results in accidental injury to a third party or damage to third party property.

Worldwide All-risks cover

Your personal belongings are covered up to HKD20,000 (HKD10,000 maximum per item) when you take them outside the home – even if you travel abroad. And you have the option to boost your cover for when you take your belongings outside Hong Kong.

Green home benefit

We won’t just provide a replacement item with no deduction for wear and tear or depreciation. We’ll also make you greener by upgrading your accidentally damaged electrical items to a recognised energy-efficient equivalent wherever possible.

For more details and a full list of exclusions, refer to our policy document.

Coverage for Homesurance
Benefits	Plan A Maximum amount per claim (HKD)	Plan B Maximum amount per claim (HKD)	Plan C Maximum amount per claim (HKD)
1. Household Contents Accidental loss of/damage to household belongings	400,000 (50,000 per item)	800,000 (100,000 per item)	1,200,000 (150,000 per item)
Accidental loss of/damage to valuables in your home	100,000 (3,000 per item)	200,000 (6,500 per item)	300,000 (10,000 per item)
Extra 50% coverage during Christmas and Chinese New Year for:
Household contents	200,000 (50,000 per item)	400,000 (100,000 per item)	600,000 (150,000 per item)
Valuables	50,000 (3,000 per item)	100,000 (6,500 per item)	150,000 (10,000 per item)
Accidental loss of/damage to household contents when temporarily removed from your home for repair/maintenance within Hong Kong SAR	30,000	65,000	100,000
Accidental loss of/damage to the home during interior decoration/refurbishment period (no longer than two months)	60,000 (3,000 per item)	130,000 (6,500 per item)	200,000 (10,000 per item)
Damage to household contents by professional removers within the Hong Kong SAR	400,000 (50,000 per item)	800,000 (100,000 per item)	1,200,000 (150,000 per item)
Accidental loss of/damage to household contents at new home for 2 months from the beginning of the lease or first time of occupation	60,000	130,000	200,000
Replacement of locks, keys and broken windows due to theft	1,000	2,000	3,000
Frozen food spoilt due to the failure of the deep freeze unit in your home	750	1,500	2,500
Temporary storage of furniture for up to 30 days if your home becomes uninhabitable as a result of loss/damage	30,000	60,000	100,000
Alternative accommodation if your home becomes uninhabitable as a result of loss/damage	15,000	32,000	65,000
Removal of debris when household contents are accidentally damaged/destroyed	3,000	6,500	10,000
2. Worldwide All-Risks Insurance Accidental loss of/damage to personal belongings that you and your family take with you while travelling anywhere in the world	10,000 (5,000 per item)	20,000 (10,000 per item)	20,000 (10,000 per item)
Theft or robbery involving money	1,500	3,000	3,000
Accidental loss of/damage to newly purchased goods in transit to your home (excluding perishable and fragile goods)	2,500	5,000	5,000
Replacement of lost/damaged personal documents	1,500	3,000	3,000
3. Personal Liability Insurance Protection against legal liability in the event that the negligence of yourself, your family or your domestic helpers results in accidental injury to a third party or damage to a third party property	4,000,000	8,000,000	10,000,000
4. Green Home Benefit If the claim relates to replacement of a damaged refrigerator, room cooler, washing machine, dryer or electric water heater which is covered under the policy, we will replace/upgrade the damaged/loss item to a new model of similar specification with energy saving label, provided that the additional cost of such replacement is not more than HKD5,000 per item.

Optional Cover

Optional cover includes:
Benefits	Maximum amount per claim(HKD)
1. Supplementary Worldwide All-Risks Insurance
Increase the maximum limits of Worldwide All-risks Insurance cover under the basic plan	20,000 (same item limit as the selected basic plan)
2. Domestic Helper's Insurance
Employees' Compensation	100,000,000 per event
In-patient medical expenses	5,000
Cost of repatriation of domestic helper by economy class air fare	5,000
Cost of returning the remains of deceased domestic helper to his/her country	5,000
Accidental loss of/damage to domestic helper's property inside your home	10,000
3. Golfer Insurance
Accidental loss of/damage to the golf equipment belonging to you or your spouse whilst in transit to or from or at any recognised golf club, course or driving range	30,000 (2,000 per item)
Sub-limit for golf equipment while in use	15,000
Accidental loss of/damage to you or your spouse's personal effects in any recognised golf club, course or driving range	5,000 (1,000 per item)
ood and drink expenses to celebrate if you or your spouse achieve a "Hole in One" whilst playing golf on any recognised golf course	15,000 per year (3,000 per occurrence)
4. Loss of Rent Insurance	Plan A	Plan B
Average monthly rent payable or receivable by you under the tenancy agreement preceding accidental loss of/damage to the household contents	30,000 (10,000 per month)	45,000 (15,000 per month)

HomeSurance Monthly and Annual Premiums

HomeSurance Premiums details:
Premium (HKD)		Monthly Premium (HKD)			Annual Premium (HKD)
Gross Floor Area (sq. ft.)	Saleable Area (sq. ft.)	Plan A	Plan B	Plan C	Plan A	Plan B	Plan C
500 or less	375 or less	87	118	123	1,044	1,416	1,476
501-700	376 – 525	109	147	153	1,308	1,764	1,836
701-1,000	526 – 750	Not applicable	184	195	Not applicable	2,208	2,340
1,001-1,500	751 – 1,125	Not applicable	244	269	Not applicable	2,928	3,228
1,501-2,000	1,126 – 1,500	Not applicable	296	328	Not applicable	3,552	3,936
2,001-2,500 (apartment only)	1,501 – 1,875 (apartment only)	Not applicable	449	495	Not applicable	5,388	5,940
2,501-3,000 (apartment only)	1,876 – 2,250 (apartment only)	Not applicable	598	667	Not applicable	7,176	8,004
3,001-5,000 (apartment only)	2,251 – 3,750 (apartment only)	Not applicable	Not applicable	1,001	Not applicable	Not applicable	12,012
Over 5,000	Over 3,750	Please visit any HSBC branch for details

Optional Cover Premiums

Optional Cover Premiums details:
Heading Column Premium (HKD)	Monthly		Annual
Optional Cover
1. Supplementary Worldwide All-Risks Insurance	45		540
2. Domestic Helper's Insurance	40 per person		480 per person
3. Golfer Insurance	40		480
4. Loss of Rent Insurance	Plan A	Plan B	Plan A	Plan B
	83	124	996	1,488

Note: The premiums of HomeSurance and Optional Covers are not guaranteed to remain unchanged and AXA General Insurance Hong Kong Limited reserves the right to vary the premiums of the policy.

Levy collected by the Insurance Authority will be imposed on this policy at the applicable rate. For further information, please visit www.axa.com.hk/ia-levy or contact AXA at (852) 2867 8678.

Household contents

Personal liability insurance

Worldwide All-risks cover

Green home benefit

For more details and a full list of exclusions, refer to our policy document.

More help when you need it

When life surprises you, additional benefits included in this policy can offer you more support.

Optional Cover

For an additional fee, you can choose to supplement your coverage with the following optional benefits:

Supplementary worldwide all-risk insurance

Pay HKD45 extra per month to increase the maximum limits of Worldwide All-risks coverage by HKD20,000.

Domestic helper's insurance

Optional insurance that looks after a domestic helper you employ in the event of injury, disease or death and covers your obligations as a responsible employer.

Golfer’s insurance

If you’re a keen golfer, you may want to consider our optional golfer’s insurance. We’ll cover you and your spouse against any accidental loss or damage to your personal effects or golfing equipment – such as your clubs, bags or non-motorised trolleys – while you’re at any recognised golf club, course or driving range. Your golfing equipment will also be covered while you are in transit to or from any recognised golf club, course or driving range.

We’ll also cover any food or drink expenses you incur while celebrating if you or your spouse are lucky (or skilful) enough to score a hole-in-one.

Loss of rent insurance

Add this optional cover and if a property you let out or you rent as a tenant is made uninhabitable as a result of accidental damage, we’ll pay up to a maximum of 3 months’ rent while it’s being repaired and renovated.

Free additional service

Emergency assistance

If you have a home emergency you can call our 24-hour home assistance services hotline. We have the following free referral services for our HomeSurance policy holders:

24-hour locksmith
Emergency plumber
Emergency electrician
Air-conditioning engineer
General repairs handyman
Home nursing

For more details and a full list of exclusions, refer to our policy document.

We’re committed to keeping any insurance excess you pay as low as we can. If you need to make a claim, our home insurance excess details are:

Household contents and worldwide all risks:

Between the first HKD300 and HKD500 of each claim (depending on your level of cover) providing they are non-water damage claims
The first HKD1,000 of each claim for water damage

Golfer insurance:

The first HKD500 of each claim (not applicable to ‘Hole in One’ benefit)

Loss of rent insurance:

The first two weeks’ rent

Domestic Helper’s Personal Effects:

The first HKD500 of each claim

For more details and a full list of exclusions, refer to our policy document.

Unfortunately we can’t cover you for:

Loss or damage due to war risks, radioactive contamination or sonic bangs
Theft or malicious damage if your home is unoccupied for more than 30 consecutive days
Theft in your home if any part is rented out
Loss or damage to spectacles, contact lenses or mobile phones
Loss or damage to recorded media (such as CDs or DVDs), or property or information stored digitally (such as music, documents or photographs)
Theft from any unattended, convertible or open vehicle
Items stored on verandas, balconies, patios, terraces and forecourts which are in the open generally
Fixtures and fittings except tenants/leasehold/landlord improvements

Excess where applicable, more

For more details and a full list of exclusions, refer to our policy document.

All the information you need in one place

HomeSurance full policy booklet

See the full terms and conditions of your HomeSurance policy.

View policy document [PDF] Download

Coverage for Homesurance
Benefits	Plan A Maximum amount per claim (HKD)	Plan B Maximum amount per claim (HKD)	Plan C Maximum amount per claim (HKD)
1. Household Contents Accidental loss of/damage to household belongings	400,000 (50,000 per item)	800,000 (100,000 per item)	1,200,000 (150,000 per item)
Accidental loss of/damage to valuables in your home	100,000 (3,000 per item)	200,000 (6,500 per item)	300,000 (10,000 per item)
Extra 50% coverage during Christmas and Chinese New Year for:
Household contents	200,000 (50,000 per item)	400,000 (100,000 per item)	600,000 (150,000 per item)
Valuables	50,000 (3,000 per item)	100,000 (6,500 per item)	150,000 (10,000 per item)
Accidental loss of/damage to household contents when temporarily removed from your home for repair/maintenance within Hong Kong SAR	30,000	65,000	100,000
Accidental loss of/damage to the home during interior decoration/refurbishment period (no longer than two months)	60,000 (3,000 per item)	130,000 (6,500 per item)	200,000 (10,000 per item)
Damage to household contents by professional removers within the Hong Kong SAR	400,000 (50,000 per item)	800,000 (100,000 per item)	1,200,000 (150,000 per item)
Accidental loss of/damage to household contents at new home for 2 months from the beginning of the lease or first time of occupation	60,000	130,000	200,000
Replacement of locks, keys and broken windows due to theft	1,000	2,000	3,000
Frozen food spoilt due to the failure of the deep freeze unit in your home	750	1,500	2,500
Temporary storage of furniture for up to 30 days if your home becomes uninhabitable as a result of loss/damage	30,000	60,000	100,000
Alternative accommodation if your home becomes uninhabitable as a result of loss/damage	15,000	32,000	65,000
Removal of debris when household contents are accidentally damaged/destroyed	3,000	6,500	10,000
2. Worldwide All-Risks Insurance Accidental loss of/damage to personal belongings that you and your family take with you while travelling anywhere in the world	10,000 (5,000 per item)	20,000 (10,000 per item)	20,000 (10,000 per item)
Theft or robbery involving money	1,500	3,000	3,000
Accidental loss of/damage to newly purchased goods in transit to your home (excluding perishable and fragile goods)	2,500	5,000	5,000
Replacement of lost/damaged personal documents	1,500	3,000	3,000
3. Personal Liability Insurance Protection against legal liability in the event that the negligence of yourself, your family or your domestic helpers results in accidental injury to a third party or damage to a third party property	4,000,000	8,000,000	10,000,000
4. Green Home Benefit If the claim relates to replacement of a damaged refrigerator, room cooler, washing machine, dryer or electric water heater which is covered under the policy, we will replace/upgrade the damaged/loss item to a new model of similar specification with energy saving label, provided that the additional cost of such replacement is not more than HKD5,000 per item.

Optional Cover

Optional cover includes:
Benefits	Maximum amount per claim(HKD)
1. Supplementary Worldwide All-Risks Insurance
Increase the maximum limits of Worldwide All-risks Insurance cover under the basic plan	20,000 (same item limit as the selected basic plan)
2. Domestic Helper's Insurance
Employees' Compensation	100,000,000 per event
In-patient medical expenses	5,000
Cost of repatriation of domestic helper by economy class air fare	5,000
Cost of returning the remains of deceased domestic helper to his/her country	5,000
Accidental loss of/damage to domestic helper's property inside your home	10,000
3. Golfer Insurance
Accidental loss of/damage to the golf equipment belonging to you or your spouse whilst in transit to or from or at any recognised golf club, course or driving range	30,000 (2,000 per item)
Sub-limit for golf equipment while in use	15,000
Accidental loss of/damage to you or your spouse's personal effects in any recognised golf club, course or driving range	5,000 (1,000 per item)
ood and drink expenses to celebrate if you or your spouse achieve a "Hole in One" whilst playing golf on any recognised golf course	15,000 per year (3,000 per occurrence)
4. Loss of Rent Insurance	Plan A	Plan B
Average monthly rent payable or receivable by you under the tenancy agreement preceding accidental loss of/damage to the household contents	30,000 (10,000 per month)	45,000 (15,000 per month)

HomeSurance Monthly and Annual Premiums

HomeSurance Premiums details:
Premium (HKD)		Monthly Premium (HKD)			Annual Premium (HKD)
Gross Floor Area (sq. ft.)	Saleable Area (sq. ft.)	Plan A	Plan B	Plan C	Plan A	Plan B	Plan C
500 or less	375 or less	87	118	123	1,044	1,416	1,476
501-700	376 – 525	109	147	153	1,308	1,764	1,836
701-1,000	526 – 750	Not applicable	184	195	Not applicable	2,208	2,340
1,001-1,500	751 – 1,125	Not applicable	244	269	Not applicable	2,928	3,228
1,501-2,000	1,126 – 1,500	Not applicable	296	328	Not applicable	3,552	3,936
2,001-2,500 (apartment only)	1,501 – 1,875 (apartment only)	Not applicable	449	495	Not applicable	5,388	5,940
2,501-3,000 (apartment only)	1,876 – 2,250 (apartment only)	Not applicable	598	667	Not applicable	7,176	8,004
3,001-5,000 (apartment only)	2,251 – 3,750 (apartment only)	Not applicable	Not applicable	1,001	Not applicable	Not applicable	12,012
Over 5,000	Over 3,750	Please visit any HSBC branch for details

Optional Cover Premiums

Optional Cover Premiums details:
Heading Column Premium (HKD)	Monthly		Annual
Optional Cover
1. Supplementary Worldwide All-Risks Insurance	45		540
2. Domestic Helper's Insurance	40 per person		480 per person
3. Golfer Insurance	40		480
4. Loss of Rent Insurance	Plan A	Plan B	Plan A	Plan B
	83	124	996	1,488

Note: The premiums of HomeSurance and Optional Covers are not guaranteed to remain unchanged and AXA General Insurance Hong Kong Limited reserves the right to vary the premiums of the policy.

Levy collected by the Insurance Authority will be imposed on this policy at the applicable rate. For further information, please visit www.axa.com.hk/ia-levy or contact AXA at (852) 2867 8678.

Manage Your Policy

Manage your policy online

Access your policy details anytime, anywhere on both your HSBC HK Mobile Banking app and our Personal Internet Banking webpage, so you can check your benefits, coverage, premium due dates and much more at your fingertips.

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Learn more about managing your policy About Manage your insurance policy

Make a claim

Sometimes life doesn’t go according to plan and you’ll want to make an insurance claim as soon as possible.

You may submit a claim online anytime or call our claims hotline on (852) 2867 8678 should you require any help.

Express Claims Approval Service

Any qualified case for claim amount below HK$5,000 will be processed by AXA immediately and claims payment will be approved by them within 2 working days upon receipt of all required documents as may be required by AXA General Insurance Hong Kong Limited (AXA). Should further information be required, AXA will send a follow up letter to the claimant within 5 working days.

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Related Products

Fire insurance

Fire Insurance covers your home's structure, fixings and fittings, against hazards of such as fire, typhoons and floods, and provides you with the financial resources to replace what you have lost so that you can get back to normal as soon as possible.

Helper Insurance

Helper Insurance provides comprehensive domestic helper coverage with extra benefits in excess of your legal obligations as a responsible employer.

Fequently Asked Questions

Important Information

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Fees & Charges

Forms & Documents

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Glossary

Important Information This link will open in a new window

General Insurance products are applicable to HSBC Account holders and HSBC credit card holders only.

The above information is intended as a general summary. Please refer to the policy wording for exact terms and conditions and details of the exclusions.

The above policy is underwritten by AXA General Insurance Hong Kong Limited ("AXA"), which is authorised and regulated by the Insurance Authority of the Hong Kong SAR. AXA will be responsible for providing your insurance coverage and handling claims under your policy. The Hongkong and Shanghai Banking Corporation Limited is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agent of AXA for distribution of general insurance products in the Hong Kong SAR. General insurance plans are products of AXA but not HSBC.

For monetary disputes arising between HSBC and you out of the selling process or processing of the related transaction by HSBC, HSBC will enter into a Financial Dispute Resolution Scheme process with you. On the other hand, for any disputes over the terms and conditions of your policy, AXA will resolve with you directly.

HomeSurance

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Summary of cover

What’s included?

Additional benefits

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Policy document

HomeSurance Coverage

HomeSurance Premium

Manage Your Policy

Manage your policy online

Make a claim

Related Products

Fire insurance

Helper Insurance

Important Information

End Notes