Home Contents Insurance

Please confirm beblow statement:

My Building hasn't received any orders from the Government regarding my Building.
My Building hasn't had any renovation work undertaken during the past years.

AIG Home Insurance Benefits

Premium Home Plus provides full home contents insurance, including coverage of both household property and the structure of your building. Responding to market needs, we’ve designed coverage options suitable for any household, allowing homeowners to take personal precautions.

Premium Home Plus covers the core needs of home contents insurance, protecting your building from damage. Coverage includes accidental destruction or loss of your family’s personal belongings (including jewelry, watches, fur, portable video equipment, photographic equipment, works of art, antiques, etc.)*, from your home or anywhere in the world. 

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

Plan Benefits

Coverage

Light Plan

Standard Plan

Maximum Limit Per Year (HK$)

Household Contents "All Risks"

$500,000

$1,000,000

(a) Household Content

$50,000 / item

$100,000 / item

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

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

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

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

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

$20,000 ($5,000 / item)

(c) Building Betterment

$100,000

$150,000

1. Legal Liability

$5,000,000

$5,000,000

2. Unauthorized Use of Credit Card / Cash Card

$3,000

$3,000

3. Loss of Personal Document

$1,500

$2,000

4. Loss of Cash or Travellers’ Cheque

$1,000

$2,000

5. Accidental Damage to Mobile Phone

$1,500 (up to 2 phones)

$2,000 (up to 2 phones)

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

$5,000

$10,000

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

$5,000

$5,000

7. Loss or Accidental Damage to Wine

$1,000

$1,000

8. Personal Accident

$50,000

$50,000

9. Removal of Household Contents by Professional Remover

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

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

10. Temporary Storage

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

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

11. Alternative Accommodation

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

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

12. Removal of Debris

$5,000

$50,000

13. Frozen Foods

$2,000

$3,000

14. Replacement of Locks and Keys

$2,000

$2,000

15. Accidental Breakage of Window Glass

$3,000

$5,000

16. Rainwater Seepage

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

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

*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.

How To Buy

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

1

  1. Provide information

Enter information about the property.

2

  2. Select the preferred plan

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

3

  3. Fill out personal details

Enter personal and contact information.

4

  Payment and Confirmation

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

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

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 HK$10% adjusted loss for each and every claim

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 

Contact Us

Ask Abi

AIG’s 24/7 Chatbot is here to help

Home Insurance hotline

3666 7033

Email Us

cs.hk@aig.com