AIG Home Insurance | Comprehensive Insurance

AIG Home Insurance Benefits

AIG A Plus Home Insurance provides comprehensive home contents insurance and building structural protection. No matter where you are, you and your family’s personal effects and valuables are fully protected!

In addition, we also cover for bodily injury and property damage to a third party, which could be in millions. We offer two different plans, providing flexible coverage to meet your family’s needs.
Learn more now!

All Risks Cover

Cover loss of and damage to your properties at home against any perils including water seepage through windowsill, typhoon, landslide etc.

New for Old Indemnity by Cash

Instead of getting a replacement item for your home contents and personal effects, we will settle the actual cost of repairment or full replacement cost by cash!

Extension Cover for Building Betterment

Unlike other home contents insurance policy, renovations, fixture and fittings and built-in items are also covered!

Worldwide Personal Effects & Valuables Coverage

No matter where you are, you and your family’s personal effects and valuables can be fully protected, coverage up to HK$1 million!

For example:

Loss of Personal Documents
Loss of Money or Traveler's Cheque
Unauthorized Use of Credit Card / Cash Card

The Widest Contents and Treasures Cover

Cover for outdoor household content
Accidental breakage of window glass
Wine and vintage wine
Non-fragile fine arts
Accidental Death or Theft of Dog and Cat (with Registered chips)

*The above information is for reference only. For a full benefit table and premium, please refer to our Policy Wording or click Buy Now.

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Plan coverage and benefits

Part 1- Household Contents "All Risks"

Benefit Coverage	Plan A	Plan B
	Maximum Limit Per Year (HK$)
A. Household Contents	500,000 (50,000/item)	1,000,000 (100,000/item)
- Outdoor household content	N/A	30,000 (3,000/item)
B. Personal Effects & Valuables (Inside Your Home) Total Sub-Limit for Section B	100,000	200,000
- Non-fragile fine arts	100,000 (5,000/item)	100,000 (10,000/item)
- Wine and Vintage wine	1,000 (500/item)	2,000 (1,000/item)
- Stamps, coins & collectibles	1,000 (400/item)	2,000 (400/item)
- Camera, furs, silverware, musical instrument	100,000 (5,000/item)	100,000 (20,000/item)
- Other Personal Effects & Valuables	100,000 (5,000/item)	200,000(15,000/item)

Part 1- Free Extra Benefits

Benefit Coverage	Plan A	Plan B
	Maximum Limit Per Year (HK$)
1. Building Betterment	100,000	200,000
2. Temporary Removal	30,000	50,000
3. Temporary Storage	30,000 (3,000/item)	50,000 (3,000/item)
4. Frozen Food	2,000	3,000
5. Accidental Breakage of Window Glass	3,000	5,000
6. Personal Accident	50,000	50,000
7. Temporary Accommodation	20,000 (1,000/day)	35,000 (1,500/day)
8. Debris Removal	5,000	50,000
9. Replacement of Locks and Keys	2,000	2,000
10. Accidental Death or Theft of Dog and Cat (with Registered chips)	N/A	2,000
11. Rainwater Seepage	(Please refer to the limits of Section 1 Household Content "All Risks")
12. Unauthorized Use of Credit Card / Cash Card	3,000	3,000
13. Loss of Personal Documents	1,500	2,000
14. Loss of Money or Traveler's Cheque	1,000	2,000
15. Accidental Damage to Mobile Phone, Notebook or Tablet Computer	5,000 （Up to 2 reimbursements)	10,000 (Up to 2 reimbursements)
- Accidental Damage to Mobile Phone	1,500	2,000
- Loss or Accidental Damage to Notebook or Tablet Computer	5,000	10,000

*Item 12 to 15 are applicable to Section 1 and 2.

Part 2- Worldwide Personal Effects & Valuables "All Risks"

Benefit Coverage	Plan A	Plan B
	Maximum Limit Per Year (HK$)
Worldwide (Outside Your Home)	10,000	25,000
- Camera, furs, silverware, musical instrument	2,500/item	7,000/item
- Other Personal Effects & Valuable	2,500/item	7,000/item

Part 3- Legal Liability

Benefit Coverage	Plan A	Plan B
	Maximum Limit Per Year (HK$)
Legal Liability	5,000,000	10,000,000

*Part 1-4: For flats/ apartments on the lower floor (1st to 3rd floor), with Rooftop/Garden/Balcony/Utility Platform, Village/ Individual Houses or Buildings other than those referred to in the previous sentence or flats/apartments with gross floor areas over 3,000 sq.ft., an additional loading will apply.

*The above information is for reference only. For a full benefit table and premium, please refer to our Policy Wording or click Buy Now.

Part 4 - Building "All Risks" (Optional & Standalone)

Benefit Coverage	Plan A	Plan B
	Maximum Limit Per Year (HK$)
Building "All Risks" (Optional & Standalone)	As Per Rebuilding Cost
Free Extra Benefits:
1. Debris Removal	10,000	50,000
2. Architects', Surveyors' and Consulting Engineers' Fee	10,000	50,000
Optional: Legal Liability	5,000,000	5,000,000

Rebuilding Cost

Base on Gross Floor Area (Square Ft.)	Based on Net Floor (Square Ft.)	Rebuilding Cost (HK$)
1 - 700	1 - 560	5,000,000
701 - 1,500	561 - 1,200	7,500,000
1,501 - 4,000	1,201 - 3,200	10,000,000

Excess Fee: Multi-Storey Building

	Apply to Section 1 (Household Content except for item no. 5-10) + Section 4 (Building)		Apply to Section 2 (Worldwide Personal Effects & Valuables)
Building Age	Non-Water Damage	Water Damage or Rainwater Seepage	Non-Water Damage and/or Water Damage
Up to 40	HK$250	10% or HK$250 for each and every claim whichever is higher	HK$250
41-49	10% or HK$500 for each and every claim whichever is higher	10% or HK$3,000.00 for each and every claim whichever is higher
50-54	10% or HK$1,000 for each and every claim whichever is higher	10% or HK$5,000 for each and every claim whichever is higher

Excess Fee: Village House / Individual House

	Apply to Section 1 (Household Content except for item no. 5-10) + Section 4 (Building)		Apply to Section 2 (Worldwide Personal Effects & Valuables)
Building Age	Non-Water Damage	Water Damage or Rainwater Seepage	Non-Water Damage and/or Water Damage
Up to 49	10% or HK$3,000 for each and every claim whichever is higher		HK$250
50-54	10% or HK$3,500 for each and every claim whichever is higher	10% or HK$5,500 for each and every claim whichever is higher

How To Buy Home Insurance – AIG Home Insurance

In 4 easy steps, get immediate price quotes, compare, and purchase AIG home insurance in just minutes.

Provide information

Enter information about the property.

Select the preferred plan

Choose between Plan A and Plan B, plus any additional supplementary coverage.

Fill out personal and contact information

Enter personal details.

Payment and Confirmation

Pay online, and the system will successfully issue the policy.

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FAQs

Yes, we offer worldwide coverage (including USA/Canada) for personal legal liability arising from lawsuit based on bodily injury suffered by a third party and damage to a third-party property due to your negligence. The cover also includes legal costs awarded against you as property owner or as tenant, for damages caused to a third party or your neighbour in case of unexpected incidents. Your potential financial obligations or those of your family members living in the insured property including any settlement with the claimant adjudicated by the court and the legal defence costs are protected, subject to liability being established under Hong Kong laws and jurisdiction.

Yes, building structure insurance (fire insurance) can be added to the household contents cover or on standalone basis under AIG Home Insurance. You can enjoy 5% discount off for insuring Household Contents All Risks cover together with Building All Risks cover with us. If you require fire insurance only, please select 'Building Structure' in Coverage Type when you purchase it online. Please note that AIG Home Insurance covers Building Structure by the insured property’s rebuilding cost only. We do not offer fire coverage by mortgage loan value.

If you want to protect your own property inside the rental premises, your valuables, personal effects and your personal liability worldwide, you are recommended to buy AIG Home Insurance. AIG Home Insurance even covers the damage to the owner’s property caused by you. You may buy Section 1 to cover your household contents.

Please note that since you are not the owner of the insured property, you are not qualified to apply for building structure insurance policy.

Other than the building structure insurance policy, you may also need a home contents insurance policy to cover your renovations, furniture and electrical appliances, fixtures and fittings in the rent-out property. Most importantly, AIG Home Insurance covers your legal liability arising from the insured property, and lawsuit based on bodily injury suffered by a third party or damage to a third-party property.

Your lender probably required you to purchase a fire insurance policy as a condition of your mortgage loan. The aim of this was primarily to protect your lender’s interest in the property as the mortgage provider against fire risks, which focuses on the physical structure of the property, commonly known as fire insurance. 

In addition to damage covered by fire insurance (such as floor, ceiling and pipes), your home contents (such as furniture, electrical appliances and valuables) and personal effects may still be at risk. AIG Home Insurance does not only help you prevent such risks, but also cover for bodily injury suffered by a third party or damage to a third-party property.

If there is any inconsistency between this English version and its translated Chinese version, this English version shall prevail. The information given above is for reference only, please request for the relevant policy contract to understand the terms, conditions and exclusions of the coverage or indemnity.

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AIG Home Insurance Benefits

The Widest Contents and Treasures Cover

Plan coverage and benefits

Part 1 - 3 Household Contents "All Risks" | Worldwide Personal Effects & Valuables "All Risks" | Legal Liability

Part 4 - Building "All Risks" (Optional & Standalone)

Excess Fee

How To Buy Home Insurance – AIG Home Insurance

FAQs

Does AIG Home Insurance cover rainwater seepage?

Can a village house be covered by AIG Home Insurance?

Is legal liability benefit a worldwide cover?

If I need building structure insurance (fire insurance) to satisfy the requirement of my mortgage loan lender, can I buy AIG Home Insurance?

As a tenant, can I apply for AIG Home Insurance?

I am a property owner who rents out my apartment, do I need home contents insurance?

I had already bought a fire insurance policy when I applied for a mortgage loan. Do I need AIG Home Insurance?

I am going to move to a new flat, do I need to cancel my existing AIG Home Insurance policy and buy a new one because of the change of address?

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