Home Contents Insurance
Even in one of the safest cities in the world, loss can occur when you least expect it. Accidental fires, misplaced valuables, stolen laptops, or water damage caused by a neighbour’s burst pipe are more common than many homeowners realise. When these incidents happen, the cost of replacing personal belongings can be substantial—particularly for expats who depend on imported goods, international brands, and higher-value items that are expensive to replace locally.
Home Contents Insurance provides peace of mind by protecting your personal possessions against unexpected loss or damage. From everyday furniture and electronics to your most valued belongings, the right coverage ensures you are not left facing significant out-of-pocket expenses. At Expat Insurance Hong Kong, we help you design a policy that reflects your lifestyle, priorities, and level of comfort—so you can feel confident knowing your belongings are properly protected.
Why Work With Expat Insurance?
Fair Pricing. Personal Service.
Getting your home contents and valuables insured shouldn’t be complicated. We make the entire process simple and transparent — from policy selection to smooth claim handling. Our advisors explain every option clearly, help you understand what is covered and what is not, and ensure your prized possessions are properly protected against loss, theft, or damage based on your actual needs and budget.
We start with an inventory review.
We will explain what items needs to be Specified to be fully covered.
We clarify your options.
We show you the best options based on your needs and budget.
We negotiate smarter terms.
We secure competitive premiums and broad coverage.
We stand by you.
From minor claims to major losses, our team supports you throughout the process.
Why Choose Home Contents Insurance?
This policy focuses on what’s inside your home — the items that matter most to you. From furntiture, home appliances & electronics, and designer handbags to fine art and heirlooms, our coverage ensures you can repair or replace what’s lost without financial strain.
What Does Home Contents Insurance Include?
Accidental Damage – protection for items broken or damaged in the home
Theft & Burglary – covers stolen items or forced-entry losses
Worldwide “All-Risk” Coverage – protection for valuables outside your home in Hong Kong and when travelling abroad, can be tailored based on your needs.
Specified Valuables – individual cover for high-value assets like jewellery, watches, or art
Replacement on Agreed Value – ensures payout matches insured item value
Temporary Accommodation – assistance if your home becomes uninhabitable
Personal Liability – protects you from property damage and bodily injury to others
Possible Pitfalls We Help You Avoid
Understanding what is covered and what is not: We will explain the cover in detail and answer any questions you may have about what is covered and what is not covered.
Worldwide limits: Some insurers restrict overseas coverage. We can secure global “all-risk” protection so you’re covered wherever you go.
Underinsured valuables: Without itemized coverage, payouts may fall short. We ensure specified items are fully insured at agreed values.
- Temporary Accommodation Protection – If your home becomes uninhabitable due to an insured event, some policies provide limited or unclear support.
At Expat Insurance, we’ve helped countless clients recover from unexpected losses — from jewellery left in taxis to artwork damaged in moves.
Need Help? Contact Us Today.
We Ensure Professional Insurance Services
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Business Insurance
Protects your company from property damage, liability, and income loss — ensuring long-term stability and business resilience.
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Provides financial security and peace of mind for your family, helping them stay stable and avoid added stress if the unexpected occurs.
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.
Far from rare, these events occur frequently in Hong Kong, where a sudden illness or accident can create immediate financial stress. Proper insurance makes the difference.
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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