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*Terms & Conditions
 

Buy online to enjoy 10% off & free typhoon protection!

From now till 30th September 2020, purchase AIG Home Insurance online and enjoy 10%  off premium discount!*

We provide free cover against accidental damages caused by typhoon. Buy now and be worry-free during typhoon season!

 

*Only applicable to customers who successfully purchase via http://www.aig.com.hk . The 10% off discount offer cannot be used with any other promotion codes. The promotion offer is subject to Terms and conditions.

 
 

Free typhoon coverage includes...

Rainwater Seepage

Provide coverage for loss of or damage to your household contents, personal effects and valuables caused by rainwater seepage arising from typhoon (typhoon signal no. 3 or above) or rainstorm signal “Amber” or above.

Accidental Breakage of Window Glass

Cover accidental breakage of window glass at your home.

Alternative Accommodation

Reimburse the expenses for temporary accommodation if your home becomes uninhabitable due to an insured accident, up to HK$1,000 / day.

 
 

From HK$43/month, protect your home and family

You work hard to provide a home for your family and build assets for the future. Make sure you protect your hard-earned assets against loss, damage and theft with comprehensive home insurance from AIG. AIG’s home insurance protects you and your home against fire, explosions, natural disasters, riots and malicious damage. We offer two different plans, providing flexible coverage to meet your family’s needs. Additional covereage and services include:

  • Extra cover for repair cost of mobile phones
  • Up to HK$5,000,000 coverage for third-party liability
  • Up to HK$1 million coverage for household contents
  • Replacements of locks and keys up to HK$2,000
 
 
 
 

CLICK TO COMPARE PLAN COVERAGE AND BENEFITS

Plan Benefits

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*The above information is for reference only. Please refer to the policy documents for detailed terms and conditions and exclusions. For full benefit table and premium, please refer to our Product Brochure or click Buy Now.

table1
  Coverage Light Plan Standard Plan

Household Contents "All Risks"

m

l

$500,000 $1,000,000

(a) Household Content

m

l

$50,000 / item $100,000 / item

(b) Personal Effects & Valuables (Inside Your Home)

m

l

$100,000 ($5,000 / item) $100,000 ($10,000 / item)

(b) Personal Effects & Valuables (Outside Your Home)

m

l

$10,000 ($2,500 / item) $20,000 ($5,000 / item)

(c) Building Betterment

m

l

$100,000 $150,000

Legal Liability

m

l

$5,000,000 $5,000,000

Unauthorized Use of Credit Card / Cash Card

m

l

$3,000 $3,000

Loss of Personal Document

m

l

$1,500 $2,000

Loss of Cash or Travellers’ Cheque

m

l

$1,000 $2,000

Accidental Damage to Mobile Phone

m

l

$1,500 (up to 2 phones) $2,000 (up to 2 phones)

Loss or Accidental Damage to Notebook / Tablet Computer (INSIDE your home)

m

l

$5,000 $10,000

Loss or Accidental Damage to Notebook / Tablet Computer (OUTSIDE your home)

m

l

$5,000 $5,000

Loss or Accidental Damage to Wine

m

l

$1,000 $1,000

Personal Accident

m

l

$50,000 $50,000

Removal of Household Contents by Professional Remover

m

l

$30,000 ($3,000 / item) $50,000 ($3,000 / item)

Temporary Storage

m

l

$30,000 ($3,000 / item) $50,000 ($3,000 / item)

Alternative Accommodation

m

l

$20,000 ($1,000 / day) $30,000 ($1,000 / day)

Removal of Debris

m

l

$5,000 $50,000

Frozen Foods

m

l

$2,000 $3,000

Replacement of Locks and Keys

m

l

$2,000 $2,000

Accidental Breakage of Window Glass

m

l

$3,000 $5,000

Rainwater Seepage

m

l

(Please refer to the limits in Section Household Contents “All Risks”)
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*The above information is for reference only. Please refer to the policy documents for detailed terms and conditions and exclusions. For full benefit table and premium, please refer to our Product Brochure or click Buy Now.

#Please contact customer service team for quotation if your building age is over 45 years old.

 
 

How To Buy Home Insurance

In 4 easy steps, get immediate price quotes, compare and purchase AIG home insurance in just minutes.  

  • Get a quote
    1

    1. Provide information

    Enter information about the property.

  • Get a quote
    2

    2. Select the preferred plan

    Choose between The Standard Plan and The Light Plan, plus any additional supplementary coverage.

  • Get a quote
    3

    3. Fill out personal details

    Enter personal and contact information.

  • Get a quote
    4

    Payment and Confirmation

    Pay online, and the system will successfully issue the policy.

 
 

FAQs

Your lender probably required you to purchase your fire insurance policy as a condition of your mortgage loan. The aim of this was primarily to protect you lender’s interest in the property as the mortgage provider, which focuses on the physical structure to the property. Hence, the coverage is for fire damage (being a common risk to the structure).

But what about damage caused by risks other than fire (such as typhoon and landslide)? What about your home contents: the everyday appliances, furnishings and valuables that your family possesses and which help you live your lives? And what about your potential legal liability to third parties, which can be catastrophic to your asset base? Premium Home Plus – Enhanced Version helps you address these risks. Remember, together your home and contents probably make up your most valuable asset. To give you peace of mind and financial security, make sure you have the right protection for them. 

Yes, fire insurance can be offered on a standalone basis under Premium Home Plus – Enhanced Version. Please fill in Section 2 Building of the Proposal Form.

Yes, we cover physical loss or damage to your household contents, personal belongings and valuables caused by rainwater seepage due to tropical cyclone warning signal no. 3 or above or rainstorm warning signal “Amber” or above.

Yes, if you want to obtain insurance coverage on valuables exceeding the policy article limit, please list down items individually on the proposal form. If the space in the proposal form is inadequate, please list additional articles on a separate page. We will provide a quotation upon receiving your list of valuable items.

You do not need to cancel the existing policy. Simply send a request to AIG Insurance Hong Kong Limited at cs.hk@aig.com to change the address and provide the new flat details. The premium may be subject to change, depending on the gross floor area, building age and type of your home.

Yes, village house or individual house may be offered insurance coverage, subject to additional premium. Please submit the case to AIG Insurance Hong Kong Limited at cs.hk@aig.com for consideration.

Yes, coverage may be offered, however this is likely to be subject to a higher premium. Please submit the case to AIG Insurance Hong Kong Limited at cs.hk@aig.com for consideration.

Yes, we offer worldwide cover (including USA/Canada) against personal legal liability in respect of accidental bodily injury and property damage to a third party due to you or your family members’ negligence. However, this is subject to liability being established under Hong Kong laws and jurisdiction.

You may buy Section 1 to cover your household contents. Since you are not the legal owner of the insured property, you are not qualified to apply fire policy under Section 2 of Premium Home Plus – Enhanced Version.

Excess will be applied for different sections. For Section 1 covering household contents, the excess is:

  • HK$250 for each and every claim (exclude Rainwater Seepage)
  • HK$3,000 or 10% adjusted loss for each and every claim for Rainwater Seepage

For Section 2 covering Building, the excess is:

  • 10% of adjusted loss subject to minimum of HK$250 for each and every non-water damage claim
  • 10% of adjusted loss subject to minimum of HK$1,000 for each and every water damage claim