Home Contents Insurance
Your possessions tell your story — every piece of furniture, artwork, and jewellery holds personal value. Home Contents Insurance protects your cherished belongings from theft, accidental loss, or damage — at home or anywhere in the world.
About Home Contents Insurance
Protecting What Makes Your House a Home
Even in one of the safest cities in the world, loss can happen when you least expect it — accidental fire, a misplaced watch, a stolen laptop, or water damage from a neighbour’s burst pipe. The replacement cost of these items can be significant, especially for expats who rely on imported goods and international brands.
Home Contents Insurance gives you the confidence that your possessions — from your furniture to your most treasured items — are covered against unexpected loss or damage. At Expat Insurance Hong Kong, we help you build a policy that reflects your lifestyle, priorities, and peace of mind.
Why Choose Home Contents Insurance?
This policy focuses on what’s inside your home — the items that matter most to you. From furntiture, home appliances & electronics, and designer handbags to fine art and heirlooms, our coverage ensures you can repair or replace what’s lost without financial strain.
What Does Home Contents Insurance Include?
Accidental Damage – protection for items broken or damaged in the home
Theft & Burglary – covers stolen items or forced-entry losses
Worldwide “All-Risk” Coverage – protection for valuables outside your home in Hong Kong and when travelling abroad, can be tailored based on your needs.
Specified Valuables – individual cover for high-value assets like jewellery, watches, or art
Replacement on Agreed Value – ensures payout matches insured item value
Temporary Accommodation – assistance if your home becomes uninhabitable
Personal Liability – protects you from property damage and bodily injury to others
At Expat Insurance, we understand that every client’s collection is unique. Whether you own contemporary art, antique furniture, or luxury accessories, we help you insure them with confidence and accuracy.
Why Work With Expat Insurance?
Fair Pricing. Personal Service.
Getting your home contents and valuables insured shouldn’t be complicated. We make the entire process simple and transparent — from policy selection to smooth claim handling. 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.
We stand by you.
From minor claims to major losses, our team supports you throughout the process.
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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Understanding what is covered and what is not: We will explain the cover in detail and answer any questions you may have about what is covered and what is not covered.
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Worldwide limits: Some insurers restrict overseas coverage. We can secure global “all-risk” protection so you’re covered wherever you go.
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Underinsured valuables: Without itemized coverage, payouts may fall short. We ensure specified items are fully insured at agreed values.
At Expat Insurance, we’ve helped countless clients recover from unexpected losses — from jewellery left in taxis to artwork damaged in moves. We make sure that when life happens, your valuables stay protected.
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
