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.
- Apply for HomeSurance to get 20% off your first year’s premium and 15% off your second year’s premium. T&Cs apply.
- 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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Use our calculator to find out how much you’ll pay.
Summary of cover
- What’s included?
- Additional benefits
- Major exclusions
- Policy document
- HomeSurance Coverage
- HomeSurance Premium
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.
What’s included?Expanded, press enter to collapse Collapsed, press enter to expand
Additional benefitsExpanded, press enter to collapse Collapsed, press enter to expand
ExcessExpanded, press enter to collapse Collapsed, press enter to expand
Major exclusionsExpanded, press enter to collapse Collapsed, press enter to expand
Policy documentExpanded, press enter to collapse Collapsed, press enter to expand
HomeSurance CoverageExpanded, press enter to collapse Collapsed, press enter to expand
HomeSurance PremiumExpanded, press enter to collapse Collapsed, press enter to expand
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.
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.
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.
End NotesExpanded, press enter to collapse Collapsed, press enter to expand
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.