Valuables (jewellery & Watches)
A loss or damage to Valuables can happen in seconds — a ring slips off at the gym, or a piece is misplaced or stolen during travel. Replacing such items can be costly, and many standard home contents policies don’t provide adequate coverage for high-value pieces or the sentimental worth they carry.
Valuables Insurance ensures your treasured items are protected against loss, theft, and accidental damage — whether you’re at home in Hong Kong, on a flight abroad, or simply out for the day. At Expat Insurance Hong Kong, we help you secure specialized, worldwide protection designed for fine jewellery, luxury watches, heirloom pieces, and private collections. Our advisors guide you through ensuring the apprpriate sum insured, documentation, and claims, ensuring every detail is handled with care and discretion — so your most meaningful possessions stay protected, always.
Why Work With Expat Insurance?
Specialist Coverage. Fair Value. Total Peace of Mind.
We work with leading insurers who specialize in fine art and valuable asset protection, offering you coverage that goes far beyond the basics.
We start with a consultation.
We review your collection and identify coverage gaps in your current Home Contents policy (if applicable).
Review required Proof of Value .
We ensure that the proof of value documentation you provide is accepted by the insurer before the policy is issued, to avoid any surprises in the case of a future claim.
We find the right insurer.
We compare policies from global leaders in jewellery and valuables insurance.
We handle claims personally.
From documentation to settlement, we advocate for you to ensure fair and prompt compensation.
Why Choose Valuables Insurance?
Your valuables such as jewellery and watches often carries both emotional and financial value. Unfortunately, standard Home Contents policies typically have low limits for these items. With Valuables Insurance, you can insure individual pieces for their full agreed value, ensuring complete peace of mind.
What Does Valuables Insurance Include?
Worldwide “All-Risk” Coverage – your pieces are protected anywhere, anytime
Accidental Loss & Damage – coverage for accidental breakage, loss, or theft
Agreed Value Replacement – full payout based on insured value, no depreciation
Pair & Set Coverage – compensation for partial loss (e.g., one earring from a pair)
Our role at Expat Insurance is to make the process effortless — from valuation to claim — so you can wear and enjoy your jewellery with confidence, not worry.
Possible Pitfalls We Help You Avoid
Underinsured items: Many owners misunderstand the cover provided for valuables under their Home Contents insurance policy, resulting in declined claims or inadequate cover. We make sure your cover is matching your expectations.
Limited travel coverage: Some Home Contents policies exclude overseas losses. We ensure full worldwide protection, even on holiday.
Partial payouts: Without “agreed value” cover, insurers may depreciate items. We make sure your payout matches your insured amount.
At Expat Insurance, we’ve seen it all — from misplaced engagement rings to watches lost abroad. We help clients recover quickly and fairly, so you can focus on what truly matters: the memories, not the mishaps.
Need Help? Contact Us Today.
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Our Simple Process
Talk to us about your needs
We learn your budget, lifestyle, and health priorities.
Compare your best options
We present suitable plans side-by-side in clear language.
Get you insured quickly
We handle the applications, forms, and negotiations.
Stay with you long-term
Each year, we review your policy and help with claims.
testimonials
Why Our Clients Are Satisfied
Our service consistently exceeds expectations. But don’t just take our word for it—here’s what our customers have to say!
Real Stories That Show the Difference
An airline executive broke his ankle and faced a HKD 270,000 hospital bill. His company scheme only covered half. A broker-arranged plan filled the gap, saving him HKD 120,000.
A young expat couple secured comprehensive cover before starting a family. When faced with complications, their policy saved them from six-figure maternity costs.
An American professional developed cancer just months after taking out coverage. Because he had comprehensive, worldwide cover, he was able to choose treatment both in the US and Hong Kong.
Not exceptions but normal occurrences in Hong Kong, where a single health emergency can quickly strain finances. The outcome often rests on your insurance coverage.
Protect What Matters With Confidence
Don’t wait until an emergency strikes to realise your coverage isn’t enough. With expert guidance from Expat Insurance, you can be certain that your health, home, and future are fully protected.
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