Building (Fire) Insurance
Hong Kong’s high-density living environment, combined with its unpredictable weather, creates a unique set of risks for homeowners. From typhoons and burst pipes to fires, water damage, and other unforeseen incidents, even a single event can cause significant damage.
Building Insurance is designed to protect you from these financial shocks by covering the cost of repairing or rebuilding your home after insured events. At Expat Insurance Hong Kong, we help homeowners navigate the complexities of insurance and find policies that offer comprehensive, all-risk protection.
Why Work With Expat Insurance?
Trusted Advice. Tailored Coverage.
Every home is different — and so are its insurance needs.
We assess your property.
We help you identify coverage limits and risk exposures.
We simplify comparisons.
We review policies from 30+ insurers and present the best options clearly.
We negotiate on your behalf.
We secure favorable premiums and flexible coverage terms that fit your lifestyle.
We support you after the sale.
From claims assistance to renewals, we’re always available to help you recover fast.
Why Choose Building Insurance?
Owning a home in Hong Kong comes with both responsibility and risk. From unexpected accidents to severe weather and structural damage, homeowners can face costly repairs at any time. With the right insurance coverage in place, you’re protected from damage to your home and better prepared to manage the financial impact of unforeseen events.
What Does Building Insurance Include?
Satisfy your Bank – if you have mortgage, your bank will request that you have adequate Building insurance to cover your oustanding mortgage amount.
Property Damage – Provides protection against fire, flooding, water leakage, and accidental damage, helping cover the cost of repairs or rebuilding your home after unexpected events.
Meet Bank Requirements – If you have a mortgage, your bank will require adequate Building Insurance to cover your outstanding loan amount, ensuring both your property and your lender’s interests are protected.
Possible Pitfalls We Help You Avoid
Water damage exclusions: Many policies exclude burst pipes or typhoon flooding. We ensure comprehensive coverage for all water-related incidents.
Underinsured properties: Low rebuilding limits can leave you short. We verify accurate sums insured to match real costs.
All-Risk Coverage Gaps – Some policies only insure named perils, leaving unexpected events uncovered. We help you secure all-risk protection to reduce gaps and avoid unpleasant surprises at claim time.
Claims Support & Policy Clarity – Insurance wording can be complex and unclear. We provide clear guidance and hands-on claims support, ensuring you understand your cover and receive assistance when it matters most.
At Expat Insurance, we’ve seen every scenario — from minor mishaps to major disasters. Our experience helps you avoid surprises and protect your home with confidence.
Need Help? Contact Us Today.
We Ensure Professional Insurance Services
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Flexible group plans can help promote well-being for long-term business success, and increased staff retention for your business.
Business Insurance
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Life Insurance
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.
These situations are part of daily life in Hong Kong, where an unexpected health event can quickly turn costly. Being protected or exposed usually comes down to 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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