OneDegree Home Insurance
Protect Your Home from Head to Toe
Up to HKD1.2M Household Contents Coverage¹ - Water Damage Included
Extreme weather can strike anytime, causing water damage that leads to costly household content losses. Stay protected with coverage up to HKD1.2M¹ because peace of mind shouldn't be left to chance.
Up to HKD15M Third-Party Liability Coverage¹
For under HKD100² per month, get up to HK$15 million in third-party liability coverage¹. If a home accident causes bodily injury or property damage to others, we’ll cover the compensation to help ease your financial burden.
Optional Home Maintenance Service Coverage — Basic electrical and plumbing maintenance assistance³
Our Optional Home Maintenance Service Coverage provides a hotline to arrange basic maintenance assistance by a registered electrician, plumbing specialist, drainage specialist or locksmith. Available across Hong Kong, excluding outlying island districts and designated restricted areas³.
Optional Pet Third-Party Liability Coverage⁴ — Up to HK$15M protection¹
This Optional Pet Third-Party Liability Coverage will be automatically included within your up to HK$15M¹ third-party liability protection. Whether at home or out with your pet, you're covered⁴.
Exclusive Optional Protection for Damages by Pet — Repairs or replacements for 10 specified household items⁵
Our Optional Protection for Damages by Pet reimburses repair costs for 10 specified household items directly damaged by your pet, including footwear, water pipes, refrigerator, washing machine, dryer, washer dryer combo, dehumidifier, air purifier, vacuum cleaner and water filtration system⁵.
Optional Home Appliance Warranty Coverage — One premium, repairs for 14 appliance types
Coverage for original manufacturer repair costs of 14 major appliances, including television (excluding the screen), air conditioner, refrigerator, washing machine, dryer, washer dryer combo, hood, hobs, oven, dehumidifier, air purifier, water heater, vacuum cleaner and water filtration system⁶.
Optional Building Structure and Solar Photovoltaic System Coverage — Protect your home and pursue sustainable living
Our Optional Building Structure and Solar Photovoltaic System Coverage protect up to HK$2 million against accidental damage, giving you peace of mind as you embrace renewable energy at home.
Save Energy, Protect the Environment, and Enjoy Renewal Discounts
At renewal, simply upload your household electricity bill showing either a 10% reduction in annual consumption versus last year or daily usage under 8 units to unlock an extra 5% premium discount⁷.
OneDegree Home Insurance
Protect Your Home from Head to Toe
^Enroll now to enjoy 30% off your first year's premium by 30 Sep 2026! Please refer to the T&Cs at the bottom of the page.
- 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)
- 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
Do You Need Home Insurance?
Whether you are an owner-occupier, landlord, or tenant, home insurance is essential to help you handle unexpected property losses and legal claims.
Covers replacement costs for floors and walls damaged by water, fire, or accidents, up to HK$100,000¹.
Covers replacement costs for glass windows damaged by natural disasters or accidents, up to HK$6,000¹.
Protects outdoor items like furniture and tools from natural disasters or theft, up to HK$50,000¹.
Covers accidental damage to building structures and solar PV systems, up to HK$2,000,000.
Compensates landlords for unpaid rent (up to 6 months and HK$20,000/month) and intentional tenant damage to contents (up to HK$200,000).
Covers temporary housing costs if your home is uninhabitable due to accidental damage, up to HK$100,000¹.
Which Home Insurance is Best for You?
OneDegree Home Insurance provides an exclusive Optional Protection for Damages by Pet⁵, complemented by exceptionally high coverage for household contents and third-party liability (with our Optional Pet Third-Party Liability Coverage⁴!). With comprehensive protection from home accidents to pet damage, you can freely enjoy a comfortable life with your pet!
 | OneDegree Home Insurance Prestige Plan | Company Z Home Insurance Plan | Company B Home Insurance Plan |
|---|---|---|---|
Household Contents Coverage | HK$1.2M¹ regardless of flat size | Coverage based on flat size: Saleable Floor Area ≤ 560 sq ft: HKD 0.75M Saleable Floor Area 561 - 1,200 sq ft: HKD 1M Saleable Floor Area ≥ 1,201 sq ft: HKD 1.25M | Coverage based on flat size: Saleable Floor Area ≤ 560 sq ft: HKD 0.5M Saleable Floor Area 561 - 680 sq ft: HKD 0.75M Saleable Floor Area ≥ 681 sq ft: HKD 1M |
Third-Party Liability Coverage | HK$15M¹ | HK$10M | HK$5M |
Optional Protection for Damages by Pet⁵ | ✓ Unique in Hong Kong⁵ | ✗ | ✗ |
Optional Pet Third-Party Liability Coverage⁴ | HK$15M¹ | HK$10M | ✗ |
Appliance Warranty Coverage | Optional coverage for 14 types of appliances Annual coverage: HK$40,000 Unlimited repair claims⁶ | Covers accidental loss, destruction, or damage to Electronic Communication Products, laptops, and tablet computers only Annual coverage: HK$2,500 or HK$5,000 Maximum 2 claims per year | ✗ |
Optional Building Structure and Solar Photovoltaic System Coverage | Maximum sum insured: HK$2M Flat premium rate: 0.042% of sum insured | Sum insured based on rebuilding cost Premium based on flat size | ✗ |
Energy Saving Renewal Discount | 5% premium discount for: 10% reduction in electricity consumption vs. previous year OR daily usage <8 kWh⁷ | Renewal premium discount for year-on-year electricity savings Discount details not specified | ✗ |
Temporary Accommodation | Annual Coverage HK$100,000¹ | HK$50,000/accident | Annual Coverage HK$50,000 |
Optional Landlord Protection Coverage | Loss of Rent Coverage (Maximum 6 months): HK$20,000 per month Malicious Damage by Tenant: Up to HK$20,000 per item Maximum HK$200,000 per year | Requires separate Landlord Insurance Plan | ✗ |
Optional Building Structure Coverage | Flexible sum insured options: HK$500K/HK$1M/HK$1.5M/HK$2M Flat premium rate: 0.042% of sum insured | No flexibility in sum insured Fixed sum insured based on rebuilding cost Premium based on flat size | Sum insured selectable: HK$470K to HK$10M Flat premium rate: 0.085% of sum insured |
Village House and Detached House Coverage | ✓ No extra fees or approval process Online direct application available | ✓ | ✓ Requires broker arrangement |
Claims Service Guarantee | 5-day claims processing guarantee⁸ | ✗ | ✗ |
FAQ
Note
Terms and Conditions
- This promotion is valid from now until 30 Sep 2026 ("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.
