Since household items are tenants’ personal possessions, therefore tenants should purchase home insurance to cover their own household items. With home insurance, tenants, tenants’ family members, and their household items will be covered as well as their personal third-party liability.

Do tenants need to purchase home insurance?

Since household items are tenants’ personal possessions, therefore tenants should purchase home insurance to cover their own household items.

OneDegree Home Insurance offers landlord protection as an optional benefit. If a tenant fails to pay rent as per the lease agreement, the landlord can claim up to six months of actual rental loss after obtaining the Writ of Possession through legal action. Additionally, if the tenant intentionally damages home contents or specified appliances, the insurance company will cover the repair costs.

If I am a landlord and purchase home insurance for my rental property, what coverage will I receive?

OneDegree Home Insurance offers landlord protection as an optional benefit. If a tenant fails to pay rent as per the lease agreement, the landlord can claim up to six months of actual rental loss after obtaining the Writ of Possession through legal action.

Third-party liability coverage protects the policyholder (first party) from claims made by others (third parties) when the policyholder is found legally liable, with the insurance company serving as the second party. For home insurance, third-party liability coverage includes compensation arising from household accidents - for example, if a burst pipe in your home damages your neighbor's property, the insurance will cover the compensation costs you're liable for.

What is third-party liability coverage?

Third-party liability coverage protects the policyholder (first party) from claims made by others (third parties) when the policyholder is found legally liable, with the insurance company serving as the second party.

Home insurance does not cover items that are covered by fire insurance. While home insurance primarily covers household contents, fire insurance protects the building structure, including original doors and windows, walls, floors, and plumbing. OneDegree Home Insurance offers optional building structure coverage that covers the expenses incurred from repairing or reinstating the building to its original condition due to specified incidents.

Does home insurance include coverage by a fire insurance?

Home insurance does not cover items that are covered by fire insurance. While home insurance primarily covers household contents, fire insurance protects the building structure, including original doors and windows, walls, floors, and plumbing.

Home insurance protects against accidental home contents loss, including damage from water leakage, flooding, burst pipes, and natural disasters like typhoons and rainstorms. The third-party liability coverage helps cover compensation expenses if visitors are injured or their property is damaged due to accidents in your home. The policy also extends its protection to personal accidental death, accidental loss of properties in the open, and even your actual rental loss.

What does home insurance cover?

Home insurance protects against accidental home contents loss, including damage from water leakage, flooding, burst pipes, and natural disasters like typhoons and rainstorms.

Unlike fire insurance, home insurance is not mandatory for mortgage applications. However, home insurance offers protection for your household contents, and there is more to cover - it provides third-party liability coverage and landlord protection as an optional benefit. Home insurance delivers comprehensive protection for all aspects of your home, including household contents of yours and your family members, as well as rental loss.

Do I need home insurance?

Unlike fire insurance, home insurance is not mandatory for mortgage applications. However, home insurance offers protection for your household contents, and there is more to cover.

Yes, when the policyholder is the landlord or occupant of the insured address, we will pay for the window glass breakage at the insured property caused by typhoon, windstorm, fire, landslide, flooding, Robbery or Burglary.

Please note that if the policy is purchased after the Hong Kong Observatory has issued a Typhoon Signal No. 8 or above/Black Rainstorm Warning, any related losses caused by that particular typhoon or rainstorm warning signal will not be covered.

For more details, please refer to the Home Insurance Policy Wording.

If the windows at home are damaged by a typhoon, will OneDegree Home Insurance provide coverage?

Yes, we cover the breakage of window glass at your home caused by typhoon, windstorm, fire, landslide, flooding, robbery or burglary. 

For more details, refer to our insurance policy wording. 

Yes. You can now manage your Home Insurance policy and view policy documents through your OneDegree online account*.

*Only applicable to Home Insurance Policyholders who purchased their policies on or after 22 December 2022. If you purchased the policy before the mentioned date, you may refer to the confirmation email we sent to you after the policy was issued for the policy documents. 

Can I view and manage my home insurance policy through my OneDegree online account?

Not at this time. Please contact us at care@onedegree.hk if you need support or have any questions. 

If you have added on “Home Appliances Warranty” coverage to your Home Policy, or purchase Home Appliances Warranty Insurance, we will reimburse the repair fee of the following listed Appliances which have been purchased for no longer than 5 years (by the time of claim submission):


This newly launched “Home Appliances Warranty” coverage is only applicable to those Home Policy enrolled on or after 31 Oct 2022. For those Home Policies purchased before this date, the coverage terms and conditions should be according to the issued policy wording as final.

P.S. This “Home Appliances Warranty” additional coverage must also fulfill the specific criteria/conditions indicated in the relevant sections. Please refer to the policy wording for a comprehensive reference.

If the television I just bought breaks down, can OneDegree's Home Insurance provide coverage for this?

Yes. If you select the Prestige Plan and select the Home Appliance Extended Warranty, or purchase Home Appliances Warranty Insurance, we will provide coverage over the repair cost of the home appliances you purchase within 5 years (including television, air-conditioner, refrigerator, washing machine, dryer). 


For more details, refer to our insurance policy wording. 

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. Our claims team will contact you for additional information & supportive documents if needed. Please download the Claim form here: Download. Please submit your claim with the required documents within 30 days from the date of occurrence or discovery. 

How do I file a Home Appliances Warranty Insurance claim?

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. Our claims team will contact you for additional information & supportive documents if needed.

Yes, OneDegree's Home Insurance allows you to customize your own coverage. If you do not need Pet Owners' 3rd party liability coverage, School Closure Compensation due to WHO declared pandemic and Hospital Cash due to Accident, you can remove these coverage and we will adjust your premium based on your policy coverage.

If I do not have children or pets, can I remove Pet Owners' 3rd party liability coverage, School Closure Compensation due to WHO declared pandemic and Hospital Cash due to Accident from my policy?

Yes, OneDegree's Home Insurance allows you to customize your own coverage. If you do not need Pet Owners' 3rd party liability coverage or school closure compensation, you can remove these coverage and we will adjust your premium based on your policy coverage. 

If I do not have children or pets, can I remove Pet Owners' 3rd party liability coverage or school closure compensation from my policy?

1. Please ensure that the property age is 50 years or below on the Policy start date.

2. Enter the saleable area of your property through the OneDegree website.

3. Enter the Info page and click “Login”

4. Please click “Sign up now”, do not click “Sign in”

5. Enter your email for policy contact purposes, then click “Send Verification Code”

6. Please enter the 6 digits verification code sent to your email, then click “Complete verification”

7. Please click “Continue” after the email address has been verified

8. Please enter the rest of the information after the account creation, the policy document will be issued and sent to your registered email address after the premium payment is completed.

If you have any questions, don’t hesitate to contact our Customer Service team. Thank you.

How do I renew my home insurance policy?

Please ensure that the property age is 50 years or below on the Policy start date.

The premium of OneDegree’s Home Appliances Warranty Insurance is calculated based on the floor size of the insured property.

How is the premium of Home Appliances Warranty Insurance calculated?

Pet, Critical Illness and Home* policy holders can handily access to their online OneDegree account both by computer and mobile browsers (such as, Google Chrome/Edge/Safari, etc); whilst, online account management is not yet extended to other insurance products. Policy holders can simply login at www.onedegree.hk by inputting their registered email address and with One Time Password (OTP).

* Home policyholders who purchase their policies on or after 22 December 2022.

If you face problem to login your account, please check if:

OTP will be sent while Microsoft on behalf of OneDegree Hong Kong Limited <msonlineservicesteam@microsoftonline.com>, and the code will be valid for 5 minutes only. If you have not entered the OTP in time, you would need to request a new OTP again. At the same time, if you repeatedly request a OTP, the previously requested password will become invalid after a repeat request.

If you are using Google Chrome browser, please check if you have already allowed cookies and have not pre-set us (www.onedegree.hk) as one of your unaccepting websites in “Setting” page. Please be aware: 

o        Block third-party cookies 

o        Block all cookies (not recommended) 

o        our website (www.onedegree.hk) in “Sites that can never use cookies”

⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀ 

You may also try if able to access through Incognito Window (below image as reference).

⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀ ⠀⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀ 

In case, you have already gone through all our above suggestions and the problem persists, please refer to our guide at What do I need to provide for reporting a technical issue? . Then, contact with us with the necessary details sharing, we will be best to assist accordingly. 

You may contact us through diverse channels (https://www.onedegree.hk/en-us/contact-us ).

Why am I not able to login my OneDegree account?

Pet, Critical Illness and Home* policy holders can handily access to their online OneDegree account both by computer and mobile browsers (such as, Google Chrome/Edge/Safari, etc); whilst, online account management is not yet extended to other insurance products. Policy holders can simply login at www.onedegree.hk by inputting their registered email address and with One Time Password

We understand you’re facing technical issues when using OneDegree website. 

First, please try to using Google Chrome - Incognito browser to perform the same action when you get the error message. If the issue persists, please share the following details with us for case investigation, it will enable us detecting and tackling the problem efficiently:

1. Screen capture of the full page showing the action or click before you get the error message, and the screen capture of the full page when the error messages appear

2. Device currently in use(desktop / mobile / laptop / tablet, etc)

4. The Operating System of your device(Windows / macOS / iOS / Android / Linux, etc)

To check on the exact version of your browser in current use, you may simply visit https://www.whatismybrowser.com . 

And, please approach us by diverse channels (https://www.onedegree.hk/en-us/contact-us) at your convenience. 

What do I need to provide for reporting a technical issue?

We understand you’re facing technical issues when trying to login your online account. To enable us detecting and tackling the problem efficiently ...

You will need to provide: 
1. Completed Claim Form 

3. Colour photos showing the scene of accident, the extent of injury and damaged properties 
4. (For claims involving injuries) Treatment record / medical report of the injured person 
5. (For claims involving property damages) Purchase / replacement receipts  
6. Police report / incident report provided by authorities 
7. Any correspondence / legal statement you received from the third party 

8. Copy of your pet’s identity proof –vaccination record/ veterinary receipt if applicable 
 
For details, please refer to the list of documents stated on the claim form. 

Third party liability claim form: (Download)

What documents do I need to submit when I file a claim against third party liability?

You will need to provide: 1. Completed Claim Form 

2. Copy of policyholder’s HKID card 
...

Fire Insurance and home Insurance are different, but complementary. Home Insurance covers the content in your home, such as furniture, fixtures and fittings, clothing, household goods, personal effects, valuables and interior decorations.

It also provides coverage over third-party liabilities, protecting you in the event that you or your family member becomes legally responsible for others’ bodily injury or property damage, as an owner, occupier of your home and as a private individual.
 
Fire Insurance covers the building structure, including walls, windows, ceiling, floor, pipes and the property's original fixtures and fittings. When these are damaged by fire, typhoons/windstorms, explosions, or other covered events, your fire policy will help cover the repair costs.
 
 Having both types of insurance will give your home comprehensive protection.

I already have a fire insurance policy, do I still need a home Insurance policy?

Fire Insurance and home Insurance are different, but complementary. Home Insurance covers the content in your home, such as furniture, fixtures and fittings, clothing, household goods, personaleffects, valuables and interior decorations.

Yes, OneDegree's home insurance provides coverage over your valuables, including jewellery, watches, photographic equipment, works of arts, furs, coin collection, etc.

For more details, please refer to the insurance policy wording.

Does OneDegree's home insurance cover jewellery and art pieces?

Yes, OneDegree's home insurance provides coverage over your valuables, including jewellery, watches, photographic equipment, works of arts, furs, coin collection, etc.For more details, please refer to the insurance policy wording.

1. Uninsurable risk such as scratching, corrosion, wear and tear;

2. Items which are insured under a separate policy;
3. Malicious damage or vandalism by a person residing in the insured premises;
4. Contact lenses, mobile/portable phone, laptop, computer;
5. The insured premises unoccupied for more than 30 days.
 
For more details, refer to our insurance policy wording.

Is there any exclusion?

We don’t cover you for:1. Uninsurable risk such as scratching, corrosion, wear and tear,

2. Items which are insured under a separate policy...

Yes. Even if you are not the property owner, OneDegree's Home Insurance can provide coverage over household contents and 3rd party liability to you and your family members as occupiers of the property.

If I am not the property owner, can I purchase a home insurance policy?

Yes, you can apply for coverage as long as the building age of your property is not above 50 years.

My property is more than 40 years old. Is it eligible for coverage?

You can cancel your policy anytime, and the refund amount will be based on the number of months left in the current policy year, subject to a minimum amount of HKD500 retained from the premium paid. 

For more details, refer to our insurance policy wording. 

Is there any service charge for cancellation on home insurance?

You can cancel your policy anytime, and the refund amount will be based on the number of months left in the current policy year, subject to a minimum amount of HKD500 retained from the premium paid. 

For more details, refer to our insurance policy wording. 

When you file a claim, you shall provide us with residential address proof(s) to show that you and your partner have been living in the same residential address for at least 12 months before the date of incident, and a recent address proof of the insured address under the name of your partner which is dated within 3 months before the date of incident.

Will my partner, whom I'm living with, to be covered after I sign up OneDegree Home Insurance? Are there any specific requirements when filing a claim?

Yes, the 3rd party liability coverage under OneDegree's Home Insurance can be extended to cover the legal liability of you or your family members as pet owners. Of course, if you do not have pets, you can also remove this coverage from your policy. 

For more details, please refer to our insurance policy wording. 

If my pet accidentally bites a person, will OneDegree's home insurance provide coverage for this situation?

Yes, the 3rd party liability coverage under OneDegree's Home Insurance can be extended to cover the legal liability of you or your family members as pet owners. Of course, if you do not have pets, you can also remove this coverage from your policy. 

 
For more details, refer to our insurance policy wording. 

2. Copy of policyholder’s HKID card  

3. Copy of policyholder’s ATM card or bank statement 

4. Colour photos showing the scene of accident and damaged properties 
5. Purchase / replacement receipts  
6. Quotations from contractors 
7. Police report / incident report provided by authorities 
8. Building management office's incident report 

9. (For claims involving accident at home) Copy of hospital’s receipt and hospital discharge summary  

10. (For claims involving school closure compensation) Copy of school buses, meal and extra-curricular activities’ receipts  
 ⠀⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀ 
For details, please refer to the list of documents stated on the claim form. 

Household property damages claim form: (Download)

What documents do I need to submit when I file a claim against household property damages/ school closure compensation/ accident at home?

You will need to provide: 1. Completed Claim Form 

2. Copy of policyholder’s HKID card  

...

Yes, OneDegree's Home Insurance covers the property of you and your immediate family members residing with you in your home.

Does the home insurance protect my family member's property?

The premium of OneDegree’s home insurance is calculated based on the floor size of the insured property.

How is the premium of home insurance calculated?

Household property damages claim form: Download

(For documents required to apply for claims for household property damages, please refer to: What documents do I need to submit when I file a claim against household property damages/ school closure compensation/ accident at home?)
⠀⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀


Third-party liability claim form: Download

(For documents required to apply for third-party liability, please refer to: What documents do I need to submit when I file a claim against third-party liability?)

Please submit your claim with the required documents within 30 days from the date of occurrence or discovery. As a part of your claim application, please carefully note the following important information:

1) In the event of any accident involved injured person and/or loss due to theft, burglary or robbery, report to the Police within 24 hours and retain a copy of the Police Report.

2) Do not dispose of any damaged items prior our inspection and approval. The disposal of damaged items without our authorization may result in rejection of your claim.

3) No liability should be admitted or offered or promise of payment made to the third party without our prior approval.

How do I file a home insurance claim?

Home Insurance

Get answers fast on our FAQ page, where we address questions you may have about OneDegree and our plans.