What are the common exclusions?

Zurich Home Insurance Plan excludes loss that cannot be explained, illegal building works, electrical and mechanical breakdown, wear and tear.

Should I buy Home Insurance even if I am only a tenant?

Yes. You will get protection for the household contents including your personal belongings and legal liability.

What items are classified as valuable property under Zurich Splendor Deluxe Property and Home Insurance Plan?

Jewellery and watches Gold, silver or other precious metals Curios and works of art Fine wine Furs, and personal possessions e.g. designer handbags Photographic and portable telecommunications electronic equipment, e.g. mobile phones, portable/ notebook computers, etc.

Can village houses or properties in aged buildings be insured?

Yes, village houses or properties in aged buildings will be insured and they can get an instant quotation online but the premium may vary depending on circumstances.

Compare Zurich Home Insurance in Hong Kong 2024

Looking for Zurich property insurance, home insurance, landlord insurance or renter insurance? We have picked highlighted plans for you!

Looking for Home Content Insurance for Floor Area: 500

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Zurich Home Insurance Plan

Zurich Home Insurance Plan	Product Highlights	Home contents protection
HomeChoice Insurance Plan	A customised plan which allows policyholders to adjust the maximum amount of protection and add extra benefits	Up to HK$1,250,000
Splendor Deluxe Property and Home Insurance Plan	Cover deluxe household contents including jewellery, home décor and personal liability	Up to HK$3,000,000

Zurich Householder Insurance VS Landlord Insurance

Householder Insurance

Householder insurance is designed especially for householders, tenants and self-occupied landlords. This plan is characterized by its coverage for home contents from stamps, coins, medals collection to wine. The maximum annual coverage is HK$1,250,000. Also, alternative accommodation and meal allowance are available if the insured premise is made uninhabitable by an insured cause.

Landlord Insurance

Landlord insurance is designed especially for leasing property. The major highlight of this plan is the protection against loss of rent. If the leasing property is made uninhabitable by an insured accident or when the tenant fails to pay the rent, the landlord can receive HK$20,000 per month for a maximum of 6 months.

Up to HK$1,250,000 Home Contents Protection

Cover home contents, personal belongings, valuables, wine for an unlimited number of times within the maximum annual coverage. The maximum protection is HK$1,250,000.

Up to HK$ 10,000,000 Legal Liability Protection

Cover worldwide personal liability and liability as an occupier, a pets owner and a tenant and legal liability as a homeowner and home owner’s liability in the common area. The maximum protection is HK$10,000,000.

2 Different Solutions

Zurich HomeChoice Insurance Plan offers different plans namely householder insurance and landlord insurance. The former one is for householders, tenants and self-occupied landlords while the latter is for leasing property.

Customised Home Insurance Plan

Adjust the protection amount and add additional benefits such as building, worldwide personal possession and personal fine art collection cover according to needs.

Worldwide Protection

Cover loss of money and illegal use of credit cards worldwide. Cover repair cost for mobile phones, tablets and laptops.

24-Hour Emergency Home Assistance Services

Provide 24-hour emergency home assistance services for free referral services including plumbing, electrical or locksmith assistance.

Comprehensive Insurance Protection

Provide comprehensive insurance protection for wine, mobile phones and other portable electronic devices, personal belongings, jewellery, home decor and personal liability

Valuable Property Protection

Provide up to HK$50,000 valuable property protection for each item/set with a total sum insured HK$500,000 at home and HK$300,000 worldwide per incident

Special coverage

Provide special protection for lifestyle elements such as covering green living, pets, missed events, etc.

Step 1

Submit claims online through "Zurich HK" App/ "eClaim" online claim platform/ email with supporting documents e.g. original receipt

Step 2

Receive an acknowledgement SMS and/ or email from Zurich in 2 working days after submission of the claim

Step 3

The claims assessment will then be carried out when all required documents are received

Zurich Home Insurance FAQ

What are the common exclusions?: Zurich Home Insurance Plan excludes loss that cannot be explained, illegal building works, electrical and mechanical breakdown, wear and tear.
Should I buy Home Insurance even if I am only a tenant?: Yes. You will get protection for the household contents including your personal belongings and legal liability.
What items are classified as valuable property under Zurich Splendor Deluxe Property and Home Insurance Plan?: Jewellery and watches

Gold, silver or other precious metals

Curios and works of art

Fine wine

Furs, and personal possessions e.g. designer handbags

Photographic and portable telecommunications electronic equipment, e.g. mobile phones, portable/ notebook computers, etc.
Can village houses or properties in aged buildings be insured?: Yes, village houses or properties in aged buildings will be insured and they can get an instant quotation online but the premium may vary depending on circumstances.