Personal Insurance
Personal & Property Insurance is designed to protect your home, belongings, and personal liability exposures in Hong Kong and abroad. Expat Insurance helps individuals and families secure practical, value-for-money cover that reflects how you actually live — not just what a generic policy assumes.
Why Personal & Property Insurance Matters?
Living in Hong Kong often means high-value homes, expensive contents, and a fast-paced lifestyle where accidents, loss, or damage can happen unexpectedly. Without the right insurance in place, even relatively common events can result in significant out-of-pocket costs.
Personal & Property Insurance provides financial protection for your home, possessions, personal liability, and household staff, helping you avoid unexpected expenses and legal exposure that could otherwise be difficult to manage.
What Types of Personal & Property Insurance May You Need?
✅ Building (Fire) Insurance
Covers damage to your home and fixed structures from events such as typhoons, water damage, fire, or accidental damage. Particularly important for homeowners who are fully responsible for repairs and rebuilding costs. LEARN MORE
✅ Home Contents Insurance
Protects household contents such as furniture, electronics, and personal items against theft, loss, or damage. Coverage can often be extended worldwide and on an all-risks basis. LEARN MORE
✅ Jewellery, Watches & Valuables Insurance
Allows high-value items such as jewellery, watches, artwork, and collectibles to be insured on an agreed value basis. This means if an item is insured for a specific amount and lost, that amount is paid out. LEARN MORE
✅ Travel Insurance (Annual Policies Only)
Provides ongoing cover for frequent travellers, including medical emergencies, trip delays, baggage loss, and document replacement across multiple trips each year. LEARN MORE
✅ Personal Liability Insurance
Protects you and your family if you are held legally responsible for injury to another person or damage to their property, whether at home or abroad. LEARN MORE
✅ Personal Accident Insurance
Provides benefits in the event of accidental injury, disability, or death, offering additional financial support following serious accidents. LEARN MORE
✅ Motor Insurance
Covers liability and damage arising from vehicle ownership or use, including third-party claims and, where selected, damage to your own vehicle. LEARN MORE
✅ Domestic Helper Insurance
Mandatory in Hong Kong. Covers employees’ compensation for domestic helpers and can be extended to include medical care, reducing the financial burden on employers when helpers fall ill or are injured. LEARN MORE
Practical Advice. Real-World Coverage.
Personal insurance policies often differ significantly in what they actually cover, particularly around valuables, unexplained loss, worldwide protection, and liability limits. We help you understand these differences clearly before you commit.
We start with your needs.
We take time to understand your lifestyle, property setup, and risk tolerance, then compare options across insurers to find coverage that fits your lifestyle.
We compare policies clearly.
We compare leading insurers side-by-side to highlight meaningful differences in limits, benefits, and exclusions.
We Manage Everything.
From applications and renewals to claims support, we deal directly with insurers on your behalf.
We’re with you for the long haul.
As your circumstances change — relocation, family growth, or career moves — we help adjust your coverage accordingly.
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How Can We Help you?
Your home, belongings, and personal security deserve thoughtful protection. Expat Insurance helps you put the right policies in place — clearly explained, competitively priced, and supported long after the policy is issued — so you can live with confidence and peace of mind.
We Ensure Professional Insurance Services
Need Other Insurance Products?
Medical Insurance
Comprehensive coverage for individuals and families — from hospital and surgical care to maternity and critical illness protection.
Corporate / Group
Flexible group plans can help promote well-being for long-term business success, and increased staff retention for your business.
Business Insurance
Protects your company from property damage, liability, and income loss — ensuring long-term stability and business resilience.
Property Insurance
Safeguards your home and lifestyle from fire, theft, or accidental damage, keeping your property secure for your peace of mind secure.
Life Insurance
Provides financial security and peace of mind for your family, helping them stay stable and avoid any further stress if the unexpected occurs.
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.
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!
Real Stories That Show the Difference
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.
