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Home Insurance

American Express Home Insurance Plan

Covers your home against unforeseen events.

American Express Home Insurance Plan brings you and your precious belongings multiple protections and ensures you total peace of mind.

#Please note that this hotline is handled by Zurich Insurance Company Ltd, the underwriter of American Express Home Insurance Plan.

Service Hours:
9:00 a.m. to 5:30 p.m., Monday to Friday;
9:00 a.m. to 1:00 p.m., Saturday (except Public Holidays)

Key features
  • Protection to Your Precious Belongings
    • Up to HK$2,000,000* of Home Contents protection for you and your beloved family
    • HK$30,000** Worldwide Personal Possessions protection against accidental physical loss / damages, including Loss of Money, Unauthorized use of credit cards and Replacement of personal documents
    • Green Living Cover extends up to extra 10% of the
      value of a new replacement of the damaged or lost "Energy Efficient Product" with "Energy Efficiency Label"
    • Coverage will not deduct depreciation
    • Increase 10% maximum benefit at special dates (Lunar New Year, Christmas and wedding day of you or your family members)
    • No deductible for Home Contents protection
  • Extended Benefits
  • Extended home benefits including Frozen Food Deterioration, Outdoor Property, Debris Removal, Alternative Accommodation, Feng Shui Consultation, Temporary Removal, etc.
  • Legal Liability
  • Sum insured amount up to HK$15,000,000* for you or your household members' legal liability to pay as compensation for accident causing bodily injury to a person or damage to property.
  • 24-hour Emergency Home Assistance Services
    • Up to HK$500 reimbursement for Electrical, Plumbing, and Locksmith services
    • Other Free 24-hour referral services, including home cleaning and pest control, house call / dental referral, baby sitting, home nursing care, etc.



It all depends on your individual needs & selected plan.


Worldwide Personal Possessions section is subject to a deductible of HK$350 for each and every loss.