Building (Fire) Insurance
Your home is your sanctuary — but it’s also one of your biggest financial investments. Building Insurance (or sometime referred to as Fire insurance) protects your property in case of damage through fire, natural disasters and other perils. We make sure you’re covered for what truly matters.
About Building (Fire) Insurance
Protecting the Place You Call Home
Hong Kong’s high-density living and unpredictable weather bring unique risks — from typhoons and burst pipes to accidental damage through fire and other perils. Repairing or rebuilding your home can cost hundreds of thousands, if not millions, of Hong Kong dollars.
Building Insurance covers the cost of rebuilding or repairing your property. At Expat Insurance Hong Kong, we help homeowners find policies that deliver comprehensive, all-risk protection — ensuring you are have the necessary cover for life’s surprises.
Why Choose Building Insurance?
Owning a home in Hong Kong comes with responsibility — and risk. With the right coverage, you’re protected from damage to your home.
What Does Building Insurance Include?
Property Damage – protection against fire, flooding, water leakage, and accidental damage.
Satisfy your Bank – if you have mortgage, your bank will request that you have adequate Building insurance to cover your oustanding mortgage amount.
With Expat Insurance, we tailor each policy to your home type, lifestyle, and asset value — so you get maximum protection without paying for what you don’t need.
Why Work With Expat Insurance?
Trusted Advice. Tailored Coverage. Seamless Support.
Every home is different — and so are its insurance needs.
We assess your property.
We help you identify coverage limits and risk exposures.
We simplify comparisons.
We review policies from 30+ insurers and present the best options clearly.
We negotiate on your behalf.
We secure favorable premiums and flexible coverage terms that fit your lifestyle.
We support you after the sale.
From claims assistance to renewals, we’re always available to help you recover fast.
Our Simple Process
Talk to us about your needs
We learn your budget, lifestyle, and health priorities.
Compare your best options
We present suitable plans side-by-side in clear language.
Get you insured quickly
We handle the applications, forms, and negotiations.
Stay with you long-term
Each year, we review your policy and help with claims.
Possible Pitfalls We Help You Avoid
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Water damage exclusions: Many policies exclude burst pipes or typhoon flooding. We ensure comprehensive coverage for all water-related incidents.
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Underinsured properties: Low rebuilding limits can leave you short. We verify accurate sums insured to match real costs.
At Expat Insurance, we’ve seen every scenario — from minor mishaps to major disasters. Our experience helps you avoid surprises and protect your home with confidence.
Protect What Matters With Confidence
Don’t wait until an emergency strikes to realise your coverage isn’t enough. With expert guidance from Expat Insurance, you can be certain that your health, home, and future are fully protected.
We Ensure Professional Insurance Services
Need Other Insurance Services?
Medical Insurance
Comprehensive coverage for individuals and families — from hospital and surgical care to maternity and critical illness protection.
Corporate / Group Insurance
Flexible group plans promoting team well-being for long-term business success, and increased staff retention for your business.
Business Insurance
Protects your company from property damage, liability, and income loss — ensuring long-term stability and business resilience.
Property Insurance
Safeguards your home and lifestyle from fire, theft, or accidental damage, keeping your property secure for your peace of mind secure.
Life Insurance
Ensures your family’s financial security and peace of mind, helping them maintain stability and avoid additional life stress if the unexpected happens.
Real Stories That Show the Difference
An airline executive broke his ankle and faced a HKD 270,000 hospital bill. His company scheme only covered half. A broker-arranged plan filled the gap, saving him HKD 120,000.
A young expat couple secured comprehensive cover before starting a family. When faced with complications, their policy saved them from six-figure maternity costs.
An American professional developed cancer just months after taking out coverage. Because he had comprehensive, worldwide cover, he was able to choose treatment both in the US and Hong Kong.
These aren’t rare exceptions — they’re everyday realities in Hong Kong, where a single hospital stay, accident, or unexpected illness can quickly become a financial crisis. The difference between being protected and being exposed often comes down to one thing: having the right policy in place.
testimonials
Why Our Clients Are Satisfied
Our service consistently exceeds expectations. But don’t just take our word for it—here’s what our customers have to say!
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Make An Appointment
Ready to protect yourself and your family with comprehensive expat insurance in Hong Kong? Whether it’s medical, life, or personal protection, we make finding the right plan simple and stress-free.
Booking with Expat Insurance Hong Kong is fast and hassle-free. Just fill out the short form below, and our team will be in touch within 24 hours to discuss your needs and recommend the best coverage for you.
Call us for a quote today!
+852 3563 9771
