Typhoon, Flooding and Water Damage: What Is Covered
Hong Kong gets between four and six tropical cyclones close enough to raise a signal in a typical year, and the Observatory has raised the No. 10 Hurricane Signal often enough in the last decade that nobody here treats it as theoretical.[1] What is far less well understood is which of the resulting damage a […]
Renting in Hong Kong: What Your Landlord Does Not Cover
Almost every tenant in Hong Kong believes their landlord’s insurance covers them, and almost none of them has read the clause that says it does not. The building is insured. The flat is insured. Your possessions inside it are not, and neither is your liability if something you did causes damage to somebody else’s property.[6] […]
Household Insurance Hong Kong: How Much Home Cover
Almost everybody guesses this number, and almost everybody guesses low[1]. The sum insured on a contents policy is not a formality and it is not a maximum you hope never to reach. It is the figure against which every claim you ever make is measured — including small ones — because of a clause most […]
What Home Contents Insurance Really Covers in a Hong Kong Flat
Home contents insurance Hong Kong residents buy is often misunderstood, and if you are in your forties, fifties or sixties it deserves a fresh look. By this stage of life there is usually more under your roof — years of belongings, a few pieces that really matter, and often family around you — so a […]
Your Ring: Wedding Insurance Policy vs Marriage Insurance
I hear the same assumption almost weekly. Clients walk into my office convinced that standalone wedding ring insurance is the only proper way to protect their wedding ring. This is not true about 80%…
Why Your Engagement Ring Might Already Be Insured (And You Don’t Know It)
I’ve had this conversation dozens of times.A client gets engaged. The ring cost HK$20,000 or more. They want to protect it. They search “engagement ring insurance Hong Kong” and assume they need a…
Engagement Ring Insurance in Hong Kong — Cost Guide
I hear the same assumption almost weekly. Clients walk into my office convinced that standalone engagement ring insurance is the only proper way to protect their engagement ring. This is not true…
Third Party Liability Insurance Hong Kong — The Gap
You’ve spent hours comparing medical insurance policies. You’ve invested thousands in comprehensive cover. You’ve ticked every box for healthcare protection.And you’re still dangerously exposed to…
Home Content Insurance in Hong Kong: The Security Gap
You live in a Hong Kong high-rise with 24-hour security, CCTV cameras covering every angle, and a lobby that looks like a five-star hotel entrance.So when someone mentions home insurance Hong Kong,…
Personal Liability Insurance Gap in Hong Kong Explained
You’ve spent hours comparing medical insurance policies. You’ve invested thousands in comprehensive cover. You’ve ticked every box for healthcare protection.And you’re still dangerously exposed to…
