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Home Insurance - Ensures Comprehensive Protection

Safeguard your family and home in unexpected circumstances like extreme storms. With OneDegree Home Insurance, you receive up to HK$15 million in third-party liability coverage, along with protection for your home contents and major appliance repairs. Enroll by 31 Dec 2024 for 30% off your first year’s premium.

Home Insurance Product Features

Coverage of up to HKD 15 million for a premium of less than HKD 100

OneDegree Home Insurance covers residential properties of all types, including village houses and detached houses. With an average monthly of premium less than HKD 100*, experience the benefits of up to HKD 15 million in third-party liability coverage, providing you with enhanced protection at an affordable premium.

Up to HKD1.2 Million in Household Contents Coverage

In the event of extreme weather or household accidents resulting in damage or loss to your contents, we provide comprehensive household contents coverage up to HKD1.2 million tailored to meet your needs. This can help cover costs from water leakage damaging furniture, broken window glass, theft, or other unexpected expenses that may arise.

Best Home Appliances Warranty in town covering 14 major appliances (Optional Benefit)

We understand the high costs associated with repairing or replacing home appliances, which can reach up to HKD 9,500^ per year. That's why we're here to help ease your financial burden. OneDegree Home Insurance offers the best Home Appliances Warranty in town covering repair costs for 14 major appliances, including vacuum cleaners, air purifiers, and water filtration systems! **.

Building Structure Coverage for Only 0.038% of Sum Insurred (Optional Benefit)

In the face of unexpected events like fires or flooding that result in damage to your property's structure, homeowners often experience significant financial setbacks. OneDegree Home Insurance provides the necessary financial support during these challenging times, as our Building Structure Coverage covers the expenses incurred from repairing or reinstating the building to its original condition.

Landlord Protection (Optional Benefit)

If your tenant fails to pay rent in accordance with the lease agreement, you can have peace of mind knowing that you are covered for the actual rental loss. What's more, we offer indemnification for any loss of home contents, which are identified in the Tenancy Agreement, resulting from intentional damage caused by your tenant.

Pets Owner Third-party Liabilities Protection (Optional Benefit)

At OneDegree, safeguarding your furkids is our top priority, and we are dedicated to providing the best care for your beloved companions. With our third-party liability coverage for pets, you can have peace of mind knowing that you are protected against any accidental damage caused by your pets to third-party property or person.

Equal benefits for same-sex and opposite-sex marriage and domestic partnership

At OneDegree, we prioritize equality and provide equal protection for every household. Our Home Insurance offers the same benefits to all families, no matter if you're an opposite-sex couple or a same-sex partner, married or living together#.

For more details about remarks, please refer to notes

Check out our brochure

Highlighted Benefits

Choose Your Plan

Enter your housing info and get a quote instantly

We insure buildings aged 50 or below

Standard

Plus

Recommended

Prestige

Core

Household Contents

Coverage of Household Contents on Wine, Frozen Food, Unauthorized Use of Credit Card, Loss of Personal Documents, Alternative Accommodation and Personal Accidental Death is applicable only if You are the Occupier.

Detailed Coverage

Personal Accidental Death

Per Person

HKD 50,000

Third-Party Liability

Optional

Exclude optional benefits that you don't need

Home Appliances Warranty

Applicable only if You are the Occupier

Max claim payment limit

40,000

Exclusive Prestige Plan

Enjoy 14 types of appliances warranty as low as HKD- every year.

Building Structure

Applicable only if You are the property owner

Covers the building's cost of reinstatement due to covered incidents

School Closure Compensation due to WHO declared pandemic and Hospital Cash due to Accident

Applicable only if You are the Occupier

School Closure Compensation due to WHO declared pandemic

HKD 1,000

Hospital Cash due to Accident at Home

HKD 500/ Day

Landlord Protection

Applicable only if You are the Landlord

Pet Owner Third-party Liabilities

Applicable only if You are the Occupier

From

HKD

/yr

approx. HKD

/mo

From

HKD

/yr

approx. HKD

/mo

From

HKD

/yr

approx. HKD

/mo

How Claim Works?

Paperless Claim Process

File your claim online with a completely paperless process. Please download the claim forms from the below links, and email the form, along with the required documents stated on the form, to us at claims@onedegree.hk.

Property/Home Appliances Warranty Insurance Claim Form: Download

5-day Claim Service Guarantee

We guarantee to precess a claim within 5 working days upon receipt of all necessary application documents##

Instant Claim Status Notification

Timely email updates on claim status allow you to know exactly where you are at throughout the process

What's Not Covered

The following is a summary of the exclusion, please refer to the policy for details

Uninsurable risk such as scratching, corrosion, wear and tear;
Items which are insured under a separate policy;
Malicious damage or vandalism by a person residing in the insured premises;
Contact lenses, mobile/portable phone, laptop, computer;
The insured premises unoccupied for more than 30 days

For more details about exclusions, refer to sample policy wordings.

FAQ

Note

Assuming that a unit with a saleable area of less than 400 square feet is insured with a Prestige Plan and does not include any customized benefits, the annual premium for the first year after the 30% discount is HKD 1,032, and the average monthly premium is HKD 86.

Only TVs (excluding screens), air conditioners, refrigerators, washing machines, dryers, washer dryer combos, cooker hoods, stoves, ovens, dehumidifiers, air purifiers, water heaters, vacuum cleaners and water purifiers that have been purchased in Hong Kong for no longer than 60 months with a value between HKD3,000 and HKD30,000 are covered, subject to a receipt proof. The maximum claim is limited at HKD40,000 or the repair cost as on the reimbursement invoice of the concerned appliance (whichever is lower), excluding transportation and delivery costs. Applicable to Prestige Plan only.

Based on the repairing cost of 5 major appliances in a 700sq. ft household in OneDegree's internal research in 2023. The repairing cost is for reference only and may vary depending on the brand, type of appliance and repairing details.

Someone with whom You live in a relationship equivalent to marriage, whether of the same or opposite gender. Your Partner should have lived with You in the same home for at least 12 months.

Only applicable to claims below HKD 2,000.

Terms and Conditions

This promotion is valid from now until 31 Dec 2024 ("Promotion Period").

OneDegree’s system will automatically apply the 30% premium discount on Home Insurance (“Offer”) to applicable plans and payment mode and display it on the website.

The discounted premium will be rounded to the nearest whole number during quotation for display purposes. The actual premium payable will be shown at checkout and shall be the final amount.

Only the applicants who do not currently hold any effective Home Insurance and have not held any effective Home Insurance policy(ies) in the past 3 months from the date of application of the Home Insurance are eligible for this promotion.

The Offer is only applicable to premium for the first year of a policy.

For details of coverage, terms, conditions, and exclusions of Home Insurance, please refer to the policy wordings.

OneDegree may terminate this promotion without notice. All matters or disputes in relation to the promotion and the interpretation of terms and conditions shall be subject to the decision of OneDegree, which shall be final and binding. 

In case of any discrepancy between the English and Chinese versions, the English version shall prevail.