Home Contents Insurance?
Home Contents Insurance provides peace of mind by protecting your personal possessions against unexpected loss or damage. From everyday furniture and electronics to your most valued belongings, the right coverage ensures you are not left facing significant out-of-pocket expenses. At Expat Insurance, we help you find a policy that reflects your lifestyle, priorities, and level of comfort.
Who Needs International Medical Insurance?
Home Contents Insurance is ideal for homeowners and renters who want to protect what’s inside their home — especially expats who often own higher-value belongings, imported electronics, designer items, and valuables that are expensive to replace in Hong Kong.
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It’s especially relevant if you live in an apartment building (which most Hong Kong residents do), because incidents like water leakage from neighbours, accidental damage, or burglary can happen even in secure buildings. If you have valuables such as watches, jewellery, laptops, cameras, handbags, or artwork, contents insurance becomes essential — not optional.
Possible Pitfalls We Help You Avoid
The most common issue with contents insurance is assuming everything is automatically covered at full value. In reality, many policies apply sub-limits to valuables (such as jewellery, electronics), meaning claims can be far lower than expected unless items are properly specified.
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Another frequent problem is misunderstanding “all-risk” worldwide cover. Some policies only cover items inside the home, while others offer worldwide protection but with strict limits, exclusions, or requirements for proof of ownership.
We also help clients avoid underinsuring their contents — people often estimate too low, and only realise after a loss that replacement costs (especially for expat-style imported goods) are much higher than expected. Finally, claims can become stressful when documentation is unclear, so we guide clients on what evidence insurers typically require before something happens.
Why Work With Expat Insurance?
Home contents cover looks simple — until you try to claim. Policy wording, valuables limits, and exclusions vary widely between insurers, and the differences are often hidden deep in the fine print.
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At Expat Insurance Hong Kong, we make sure your contents policy is designed around your lifestyle, not generic assumptions. We help you identify what should be specified, structure worldwide cover correctly, and ensure your valuables are insured properly — so if something goes wrong, you have real protection, not disappointment.
What Does Typical Cover Include?
Home Contents Insurance is designed to protect the personal belongings inside your home, including furniture, appliances, electronics, and everyday household items, against unexpected loss or damage. Depending on the insurer and the plan structure, cover can
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include theft and burglary, accidental damage, fire and smoke-related incidents, and water damage such as leakage from neighbouring units. Many policies can also be extended to include “all-risk” worldwide protection, meaning valuables can remain insured not only at home, but also when carried outside the property in Hong Kong or while travelling overseas. For higher-value items such as jewellery, watches, fine art, cameras, and designer goods, coverage is typically strongest when items are specified individually at agreed values, helping ensure claim payouts match the true replacement cost. Some plans may also include additional support such as temporary accommodation benefits if your home becomes uninhabitable following an insured event, as well as optional personal liability cover to protect you if accidental injury or property damage occurs to a third party.
Let's Get Your Insurance Done Right
Our advisors explain every option clearly, help you understand what is covered and what is not, and ensure your prized possessions are properly protected against loss, theft, or damage based on your actual needs and budget.
We start with an inventory review.
We will explain what items needs to be Specified to be fully covered.
We clarify your options.
We show you the best options based on your needs and budget.
We negotiate smarter terms.
We secure competitive premiums and broad coverage tailored to your needs.
We stand by you.
From minor claims to major losses, our team supports you throughout the process.
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How Can We Help you?
Fill in your details, we’ll be in touch to answer your questions. No hard sell. Just the friendly help you need. We’ll get back to you to you within 24 hours. Or on the next business day if it’s now after hours.
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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.
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!
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.
Far from rare, these events occur frequently in Hong Kong, where a sudden illness or accident can create immediate financial stress. Proper insurance makes the difference.
