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Some insurers may charge up to 0.15% of the Sum Insured annually for fire coverage. With OneDegree, you’ll pay just 0.034% for the first year for a policy, which is the lowest in town!

Best Price In Town

In our standard Fire Insurance policy, damages from earthquakes, forest/bush fires, riot and strikes are among items that are excluded. However, this may differ from policy to policy, coverage can be extended depending on your mortgage bank's needs.

Customized Coverage

We insure from HKD 500,000 to HKD 50,000,000. If you need more or less coverage, get in touch and we'll see what we can do for you. Please note that the minimum premium is set at HKD 400/year.

Save Up to 80% Annually

Why homeowners choose OneDegree

From now till 31 Dec 2025, OneDegree Policyholders can enjoy a 30% rebate of premium when enrolling for our Fire Insurance with the referral code "MULTIFIRE30"!

To express our gratitude and appreciation for your continuous support, you can enjoy a 30% premium rebate on your OneDegree Fire Insurance with the referral code "MULTIFIRE30"!

Premium Rebate on Fire Insurance

Enter your mortgage amount to get an instant quote

1. Click the "Quote" button

2. Enter referral code "MULTIFIRE30"

We’ll inform your lender about your policy switch. You just have to sit back and enjoy the savings!

3. Enrollment done

If you are switching from another insurance provider, don’t forget to ask them for a premium refund.

4. Handle other insurance plans on hand

Quote

Only valid before the promotional period ends, enter the referral code "MULTIFIRE30" to enroll:

OneDegree Fire Insurance Promotion

This promotion is valid from now until 31 Dec 2025 ("Promotion Period").

To enjoy discount (“Offer”) underwritten by OneDegree Hong Kong Limited (“OneDegree”) below：

2.1 The 30% discount (“Offer”) on Pet Insurance;

2.2 The 30% discount (“Offer”) on InfiniCare Critical Illness Insurance (“InfiniCare”);

2.3 The 35% discount (“Offer”) on Home Insurance;

2.4 The 30% cash rebate on Fire Insurance (“Cash Rebate”);

2.5  The 30% discount and receive a HK$300 PARKnSHOP supermarket voucher (“Reward”) on Home Appliances Warranty Insurance (“Offer”).

The applicant must be an existing OneDegree policyholder who has at least one inforce OneDegree policy during the Promotion Period, and shall use the same Policyholder name and identify document as the inforce policy to apply for new policy, and enter “MULTIPET30 ” for Pet Insurance or “MULTICI30 ” for Critical Illness Insurance or “MULTIFIRE30 ” for Fire Insurance or “MULTIHOME35” for Home Insurance or “MULTIWAR30” for Home Appliances Warranty Insurance as the promo code and complete policy purchase using the designated button above within the Promotion Period. Any failure in doing so will result in loss if discount and no refunds shall be arranged afterwards.

OneDegree reserves the right to claw back the Offer or Cash Rebate on a pro-rata basis if the Policyholder does not hold an existing OneDegree policy, terminates one or more policies during the first policy year such that the Policyholder only holds one OneDegree policy at any given time during that year, or uses a different name to purchase the additional policy.

The Cash Rebate will be credited to an eligible customer’s credit card account within 4 months of the policy issue date provided that the policy is still effective on such date.  

If the policyholder cancels the policy during the first policy year, OneDegree reserves the right to deduct the Cash Rebate and the Reward from any premium refund.

The Offer is not applicable to existing policyholder of InfiniCare Critical Illness Insurance purchasing a new InfiniCare Critical Illness Insurance policy. 

The Offer or Cash Rebate is only applicable to premiums for the first year of a policy.

The Offer or Cash Rebate cannot be used in conjunction with any other promotional offer (Except for system automatic offer).

For details of coverage, terms, conditions, and exclusions of insurance policies, refer to the related policy wordings.

OneDegree may terminate this promotion without notice. All matters or disputes in relation to the promotion and the interpretation of these 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.

Fire Insurance Special Promo