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Comprehensive cover for your home

Your home is more than just a place to stay. It’s at the heart of family life. So if a hazard such as fire or typhoon causes damage or loss to your home, our fire insurance is designed to ensure your home will be up and running again quickly. That way, things will be back to normal as soon as possible.

Key benefits

  • Receive coverage for rebuilding your home if it is damaged by fire outbreak, lightning and typhoons, windstorms and floods
  • Risks such as landslides and subsidence are also covered
  • Choose from 2 fire insurance plans with different coverage levels according to your needs

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Instant quote

Use our calculator to find out how much you’ll pay.

  • Major exclusions
  • Policy documents
  • Fire Insurance Coverage and Premium Rates

What's included?

Our standard plan

We will cover the cost of rebuilding your home in the event of damage from fire and lightning, explosion, flood, typhoon and storm damage, earthquake, landslide and subsidence.

Go for comprehensive cover

In addition to the cover offered by our standard plan, your home will also be insured against damage caused by a wide range of other events. This includes faulty water tanks, apparatus and pipes, impacts from aircraft or vehicles (as long as it’s not your vehicle), riots and strikes, and malicious damage.

For more details, refer to our insurance policy wording.

Manage your policy online

At HSBC, we know that priorities change. That’s why we give you the power to make changes to your helper insurance policy online anytime.

It's easy to:

  • check or review your policy details
  • change your payment instructions, including your premium payment account, payment method

You can also call our Insurance Service Hotline at (852)2867 8678(852)2867 8678.

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) 2288 6808(852) 2288 6808 should you require any help.

Mortgage Protection Plan

Make sure your house remains a family home even after you've gone. We'll repay your mortgage if you don't complete the term.


Look after the things you treasure most. Our home insurance can to suit your needs and fully guard you against the unexpected.

Helper Insurance

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

Fire Insurance covers your home structure, or fixing and fittings, against hazard and provides you with the financial resources to replace what you have lost.

There are two plans for selection, one is Standard Cover and the other is Comprehensive Cover.

Here outlines the features of Standard Cover:

  • Fire and lightning
  • Explosion
  • Typhoon, windstorm and flood
  • Landslide and subsidence
  • Earthquake

Here outlines the features of Comprehensive Cover:

  • Fire and lightning
  • Explosion
  • Typhoon, windstorm and flood
  • Landslide and subsidence
  • Earthquake
  • Damage caused by aircraft
  • Vehicle impact (caused by a third party's vehicle)
  • Riot and strike
  • Malicious damage
  • Burst or overflow of water tanks, apparatus & pipes

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.

Damage to any electrical machine or apparatus arising from its own over running, excessive pressure, short circuiting, self heating, arcing or leakage of electricity arising from whatever cause (lightning included) will not be covered under this Policy.

This Policy will still be accepted even your home mortgage loan is not provided by HSBC.

You can apply for Fire Insurance through our public website or logging on to the HSBC Personal Internet Banking if you have a HSBC Personal Internet Banking account. Or visit our branch.

You can call Insurance Service Hotline at (852)2867 8678 (852)2867 8678 should you have any queries about your policy, or manage your policy at ease by e-Policy Servicing after logging on to HSBC Internet Banking if you are a HSBC internet banking customer. This online service provides you with 24 hour access to your policy details and allows you to submit policy service requests without hassle.

The premium of Fire Insurance depends on the sum insured amount and plan chosen which is not guarantee to remain unchanged. AXA General Insurance Hong Kong Limited reserves the rights to adjust premiums for particular categories of the insured home if considered to be necessary. AXA General Insurance Hong Kong Limited will, however, give you sufficient written notification in advance.

End Notes Select to Expand Select to Collapse

General Insurance products are applicable to HSBC accounts and 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.