Home Insurance for Super Parents

Make your abode a loving home for your kids with a comprehensive cover featuring the town’s widest-range home appliances warranty and a third-party liability cover of up to HK$15 million. Enroll by 30 Nov 2022 to enjoy 30% off your first year's premium!

OneDegree HK
OneDegree HK
Premium less than HKD100, with up to HKD 15 million coverage
OneDegree Home Insurance covers residential properties of all types, including village houses and detached houses. With an average monthly premium less than HKD 100*, you can enjoy up to HKD 15 million in third-party liability coverage, enabling you to enjoy greater protection with a limited premium
OneDegree HK
Best Home Appliances Warranty in town covering 14 major appliances
After your home appliance warranty expires, it will be up to you to bear the cost of dealing with any faults. We understand how costly a repair or replacement can be, so we are here to share your financial burden. OneDegree Home Insurance offers the best Home Appliances Warranty in town covering repair costs of 14 major appliances including vacuum cleaners, air purifiers and water filtration systems! **.
OneDegree HK
Equal benefits for same-sex and opposite-sex marriage and domestic partnership
At OneDegree we care about equality and we are here to provide everyone with equal protection for their homes. Our Home Insurance provides the same benefit coverage for all, from opposite-sex couples to same-sex partners – and it doesn’t matter if you are married or living together#.
OneDegree HK
Loss and damage to home possessions during renovation covered
We understand homes under renovations are more susceptible to accidents. That’s why OneDegree’s Home Insurance covers unexpected losses and damages to home possessions caused by your contractor during renovation in your place.
OneDegree HK
Pets Owner Third-party Liabilities Protection
Protecting furkids is at the heart of OneDegree. We always try our best to look out for your furry buddies. Our third-party liability coverage for pets will gives you peace of mind as we cover you for any accidental damage caused by your pets to third-party property or person.
OneDegree HK
Pandemic protection for class suspension and working from home
The pandemic has led to school closures and work-from-home arrangements. Feeling frustrated about having paid for your child's school bus and lunch for nothing? Worrying about an increased risk of home accidents due to longer stays at home? We'll cover you for specific losses due to school suspensions and hospitalization expenses due to accidents at home.
OneDegree HK
Secure and smooth enrollment and claims experience
Request an online quotation any time, OneDegree's Home Insurance policy will be effective immediately. It is completely paperlesss from application to claim, and claims are guaranteed to be completed within 5 working days after submission, provided that all necessary documents have been provided to us##. We will inform you of the progress of your claim by email and keep the claim process transparent.
For more details about remarks, please refer to notes
Check out our brochure or premium table
OneDegree HK
OneDegree HK

Highlighted Benefits

OneDegree HK
OneDegree HK
Choose Your Plan
Standard
Plus
OneDegree HK
Recommended
Prestige
Core
Household Contents
Detailed Coverage
Coverage of Household Contents on Wine, Frozen Food, Unauthorized Use of Credit Card, Loss of Personal Documents, Alternative Accommodation and Personal Accidental Death does not apply if the policyholder is landlord of the address insured.
Personal Accidental Death
Per Person
HKD 50,000
Third-Party Liability
Customize
Exclude optional benefits that you don't need
Pet Owner Third-party Liabilities
Total Maximum Limit under Pets Owner's Third-party Liability is subject to the Plan’s Maximum Limit under the Third-party Liabilities section
School Closure Compensation due to COVID-19 and Hospital Cash due to Accident at Home
Not applicable if the Policyholder is the landlord and does not live in the address
School Closure Compensation due to COVID-19
HKD 1,000
Hospital Cash due to Accident at Home
HKD 500/day
Home Appliances Warranty
From
HKD
-
/yr
approx. HKD
-
/mo
From
HKD
-
/yr
approx. HKD
-
/mo
From
HKD
-
/yr
approx. HKD
-
/mo
How Claim Works?
OneDegree HK

Paperless Claim Process

File your claim online with a completely paperless process

OneDegree HK

5-day Claim Service Guarantee

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

OneDegree HK

Instant Claim Status Notification

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

OneDegree HK
OneDegree HK
OneDegree HK
OneDegree HK
OneDegree HK
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.
OneDegree HK

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.
#
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 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 and a warranty certificate. 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.
##
Only applicable to claims below HKD 2,000.
Terms and Conditions
1.

This promotion is valid from now until 30 November 2022 ("Promotion Period").

2.

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.

3.

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.

4.

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

5.

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

6.

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. 

7.

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