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AIG Property Insurance Benefits

AIG’s property insurance protects your household contents against accidental loss or damage, and provides coverage for property damage to your building’s structure.

Our property insurance - Premium Home Plus Enhanced Version 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.

When you buy AIG property insurance - Premium Home Plus Enhanced Version, you are protected against all types of property damage to residential buildings against fire, natural disasters, explosions, impact of aircraft, bursting or overflowing of domestic water tanks or pipes, riot or strike, malicious damage, impact by third party vehicles, landslides and subsidence.* 

  • 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.

 
 

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

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l

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

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

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l

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

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

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l

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

(c) Building Betterment

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l

$100,000 $150,000

1. Legal Liability

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l

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

2. Unauthorized Use of Credit Card / Cash Card

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l

$3,000 $3,000

3. Loss of Personal Document

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l

$1,500 $2,000

4. Loss of Cash or Travellers’ Cheque

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l

$1,000 $2,000

5. Accidental Damage to Mobile Phone

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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)

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l

$5,000 $10,000

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

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l

$5,000 $5,000

7. Loss or Accidental Damage to Wine

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l

$1,000 $1,000

8. Personal Accident

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l

$50,000 $50,000

9. Removal of Household Contents by Professional Remover

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l

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

10. Temporary Storage

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

11. Alternative Accommodation

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

12. Removal of Debris

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l

$5,000 $50,000

13. Frozen Foods

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$2,000 $3,000

14. Replacement of Locks and Keys

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l

$2,000 $2,000

15. Accidental Breakage of Window Glass

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l

$3,000 $5,000

16. Rainwater Seepage

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l

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

In 4 easy steps, get immediate price quotes, compare and purchase AIG property insurance (Premium Home Plus Enhanced Version) 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.

 
 

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