From now til 31st December 2021, purchase AIG Home Insurance online and enjoy 20% off premium discount!*
*Only applicable to customers who successfully purchase via http://www.aig.com.hk . The 20% off discount offer cannot be used with any other promotion codes. The promotion offer is subject to Terms and conditions.
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 Premium Home Plus 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 coverage and services include:
*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.
|Coverage||Light Plan||Standard Plan|
(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)|
Removal of Household Contents by Professional Remover
|$30,000 ($3,000 / item)||$50,000 ($3,000 / item)|
In 4 easy steps, get immediate price quotes, compare and purchase AIG home insurance in just minutes.
1. Provide information
Enter information about the property.
2. Select the preferred plan
Choose between The Standard Plan and The Light Plan, plus any additional supplementary coverage.
3. Fill out personal details
Enter personal and contact information.
Payment and Confirmation
Pay online, and the system will successfully issue the policy.
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
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 your lender’s interest in the property as the mortgage provider, which focuses on the physical structure of 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. Your home and contents probably make up your most valuable asset. To give you peace of mind and financial security, make sure you are secured with house insurance and have the right protection for them.
Yes, fire insurance can be offered on a standalone basis under Premium Home Plus – Enhanced Version. Please select 'II. Building Structure Coverage Only' in Coverage Type when you purchase online, or fill in Section 2 Building of the Proposal Form.
Yes, our household insurance covers 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 the 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. You only need to send a request to AIG Insurance Hong Kong Limited at email@example.com to change the address and provide the new flat details.
The premium may subject to change, depending on the gross floor area, building age and type of your building.
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.
If you want to have comprehensive coverage to prevent any property loss, you are recommended to buy home insurance. You may buy Section 1 to cover your household contents.
Since you are not the 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)
- For rainwater seepage: the first” HK$3,000 or 10% of adjusted loss for each and every claim, whichever is greater.
For Section 2 covering Building, the excess is:
- 10% of adjusted loss subject to a minimum of HK$250 for each and every non-water damage claim
- 10% of adjusted loss subject to a minimum of HK$1,000 for each and every water damage claim