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AIG Home Insurance – Fire Insurance (Building)

Home should be the safest place to stay, however, have you ever imagined if there is a hazard that occurs and damages your home?

AIG’s Fire Insurance is designed to protect your home and belongings against fire and other insured perils such as explosions, natural disasters, riots and malicious damage.* Fire Insurance can provide you with compensation whenever there is an accident.

  • Free cover for repairing fee of mobile phones
  • Provide cover with loading for the premises which building year was over 40
  • Significant amount cover for the Personal effects and Valuables
  • Utility fee during unemployment up to 3 months

Flexible Plans from HK$520

  • Comprehensive coverage for your household belongings
  • All Risks protection covers your home contents
  • Protection for your belongings
  • Legal Liability
  • Coverage of home belongings,personal effects and valuables against loss caused by seepage of rainwater
  • Up to HK$5,000,000 worldwide protection for you and your family against third-party liability claims for bodily injury or property damage
  • Free extra benefits, including accidental damage to mobile phones; loss of or damage to notebooks or tablet computers, personal documents and wine; unauthorized use of credit card/cash card; replacement of locks and keys; personal accident and more
  • Low payment terms

*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 our customer service team for a fire insurance quote if your building age is over 45 years old.

 
 

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

1. Legal Liability

m

l

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

2. Unauthorized Use of Credit Card / Cash Card

m

l

$3,000 $3,000

3. Loss of Personal Document

m

l

$1,500 $2,000

4. Loss of Cash or Travellers’ Cheque

m

l

$1,000 $2,000

5. Accidental Damage to Mobile Phone

m

l

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

6. Loss or Accidental Damage to Notebook / Tablet Computer (inside your home)

m

l

$5,000 $10,000

6. Loss or Accidental Damage to Notebook / Tablet Computer (outside your home)

m

l

$5,000 $5,000

7. Loss or Accidental Damage to Wine

m

l

$1,000 $1,000

8. Personal Accident

m

l

$50,000 $50,000

9. Removal of Household Contents by Professional Remover

m

l

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

10. Temporary Storage

m

l

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

11. Alternative Accommodation

m

l

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

12. Removal of Debris

m

l

$5,000 $50,000

13. Frozen Foods

m

l

$2,000 $3,000

14. Replacement of Locks and Keys

m

l

$2,000 $2,000

15. Accidental Breakage of Window Glass

m

l

$3,000 $5,000

16. Rainwater Seepage

m

l

(Please refer to the limits in Section Household Contents “All Risks”)
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How To Buy

You can immediately receive the best price of fire insurance quote here, choose a plan that suits you the most, and purchase AIG Fire Insurance.

  • 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.

 
 

Want to enhance the protection of your household belongings?

If you are worried about the loss of household belongings caused by accidents, and want to get comprehensive home protection, AIG Fire Insurance is designed to protect your personal belongings and valuables, providing you with a number of extra protections.

You can get additional discounts when you purchase Household Contents “All Risks” and Fire Insurance. Learn more about AIG Comprehensive Household Insurance now.

 
 

Why AIG?

In addition to excellent claim services, AIG offers free additional coverage that many other insurers can’t match, including:

Unexpected damage of glass windows up to $5,000; Replacement of door, lock and key up to $2,000 ; Unopened alcoholic beverages protection due to accidents including theft up to $1,000

 

 
 

FAQs

Only the property owners can insure fire insurance in Hong Kong. If you are a tenant, unfortunately you are not eligible to apply. However, you can purchase Section 1 of the Premium Home Plus - Enhanced Version to protect your household contents.

The property insured for building structure insurance is limited to a building for pure residential use. Buildings for commercial use are not applicable.

Yes. Fire insurance does not protect the mortgage provider only. If there is damage to the building structure (by natural disaster or man-made damage), fire insurance will cover you and make you worry-free.

It depends on the size of the property, the premium will be varied depending on the insured amount.

Yes, the fire insurance section can be purchased separately. Please select ‘II. Building Structure Only’ in Coverage Type when you quote online, or you can fill in the second part of the Premium Home Plus – Enhanced Version proposal form.

The premiums required for properties with different uses of buildings vary. Fire insurance for tenement buildings and village houses is more expensive. The higher the age of the building, the higher the premium.