Personal & Property Insurance
Our mission is to protect the people and possessions that matter most —
giving you peace of mind at home, on the road, and wherever life in Hong Kong takes you.
About Personal & Property Insurance
Protection That Follows You, Wherever You Live
Life in Hong Kong is exciting — but it’s also unpredictable. From typhoons to travel mishaps, home incidents, or accidents abroad, the right personal coverage ensures you and your family are financially protected from the unexpected.
At Expat Insurance, we help expats, families, and homeowners simplify complex insurance decisions. Whether you rent an apartment, own a home, travel frequently, or employ domestic help, we’ll make sure you’re covered properly — not overpaying, and never under-protected.
Why Personal & Property Insurance Matters?
Even small mishaps can become expensive fast. Water leaks, travel cancellations, or accidents can lead to repair bills, medical costs, and legal claims. Having reliable Personal Lines Insurance means you’re not just insured — you’re prepared.
What Does Comprehensive Medical Insurance Cover?
- Building (Fire) Insurance (covers your home against accidental damage and destruction)
- Home Contents (protects personal items from loss or damage)
- Valuables (worldwide cover for jewellery and watches)
- Travel Insurance (medical, cancellation, and baggage protection)
- Personal Liability (covers injury or property damage to others)
- Personal Accident (pays lump sums for injury or disability)
- Motor Insurance (mandatory vehicle and liability protection)
- Domestic Helper Insurance (medical and legal cover for domestic staff)
Together, these plans form a complete layer of personal security — designed to protect your lifestyle, your family, and your peace of mind.
Our goal isn’t to “sell a policy.” It’s to make sure you have the right protection at the best price — and the confidence that someone’s always got your back.
Why Work With Expat Insurance?
Independent Advice. Trusted Protection.
Finding the right coverage in Hong Kong can be confusing — policies look similar, but small differences can cost you thousands. Our independent advice helps you choose what’s right for your lifestyle, not just what’s on offer.
We listen to your needs.
We take time to understand your living situation, possessions, and travel habits.
We compare clearly.
We show the best policy options side-by-side, highlighting what’s really important.
We simplify the process.
We handle all paperwork, coordination, renewals, and ongoing support for you.
We support you year-round.
From claims to adjustments, we’re your ongoing partner — not a one-time broker.
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.
Common Gaps We Help You Avoid
Underinsured valuables: Many home policies exclude jewellery or limit payouts. We help you extend coverage with Jewellery Insurance or Contents & Valuables protection.
Building-only coverage: Homeowners often forget that Home & Building Insurance doesn’t cover contents — we make sure both are included.
Travel misunderstandings: Buying per-trip policies can be costly. We arrange Annual Travel Insurance for continuous worldwide protection.
Accident exclusions: Even non-work injuries can create major costs. Personal Accident Insurance pays benefits when you need them most.
We’ve helped countless families and individuals avoid these surprises — combining expert advice with dependable coverage that fits your lifestyle perfectly.
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.
Our Services
We Ensure Professional Insurance Services
Home & Building Insurance
Comprehensive cover for your home against fire, storm, flood, or accidental damage—protecting your property and peace of mind.
Contents & Valuables
Safeguard your household items and valuables from theft, fire, or accidental damage—ensuring your modern lifestyle stays fully protected.
Travel (Annual Policies)
Year-round travel protection covering medical emergencies, trip delays, and lost baggage—so you can travel with complete confidence.
Jewellery Insurance
Worldwide protection for your precious jewellery against loss, theft, or damage—keeping your treasured pieces beautifully secure and shining with confidence.
Personal Liability
Protects you if you accidentally cause injury or property damage to others—covering legal costs and preserving your financial security.
Personal Accident
Provides financial protection if you suffer injury, disability, or death from an accident—helping you and your family recover with stability.
Motor Insurance
Covers your vehicle against damage, theft, and third-party liability—ensuring you stay fully protected and confidently secure on the road.
Helper Insurance
Comprehensive coverage for your domestic helper’s medical, personal accident, and liability needs—caring for those who care for you.
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!
Blog & News Update
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Contact Us to
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
