Home Insurance Level Up

OneDegree Home Insurance covers not only your home, but also your beloved family members, children and furkids, and the inconvenience the pandemic caused. We are here to offer you comprehensive protection — time to level up your coverage!

OneDegree HK
OneDegree HK
Premium less than HKD 100, with up to HKD 15 million coverage
We cover all types of residential property including village houses with an average monthly premium less than HKD 1001, 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
Pets Owner Third-party Liabilities Protection
Furkids play a huge role in OneDegree, and we always try our best to look out for your furry buddies. Our third-party liability coverage for pets is not limited to your home, as we will cover you for any accidental damage caused by your pets to third-party property or person anywhere
OneDegree HK
No additional premium for home appliance repair coverage2
There is always a time when your home appliances are damaged, and you always struggle whether it is better to get it fixed or just buy a new one after the warranty expired. With our Home Insurance, you need not choose! We will share the cost without an additional premium—choose our All-Round Plan, which includes the cost of home appliance repair3.
OneDegree HK
The protection children and parents need amidst the pandemic
The pandemic has led to school closures and work-from-home arrangements; does this mean you have to pay for your child's school bus and lunch for nothing? Will there be 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
More flexible premiums for customized protection
We know everyone has different needs. Not a pawrent? You can exclude third-party liability coverage for pets; no kids and don't need School Closure Compensation for now? Feel free to remove options you don't need so as to enjoy a more affordable premium.
OneDegree HK
Secure and smooth enrollment and claims experience
Online quotation is available at any time, and the policy will be effective immediately. There is no paperwork from application to claim, do it all online and claims are guaranteed to be completed within 5 working days from application to approval, provided that all necessary documentations are completed4. We will inform you of the progress of your claim in real time by email to enhance the transparency of the claim process.
For more details about remarks, please refer to notes
OneDegree HK
OneDegree HK

Highlighted Benefits

OneDegree HK
OneDegree HK
Choose Your Plan
Standard
Plus
All-Round
OneDegree HK
Customized Benefits
OneDegree HK
Maximum Limit
Household Contents
Detailed Coverage
Personal Accidental Death
HKD 50,000/ Per person
Third-Party Liability
Pet Owner Third-party Liabilities
School Closure Compensation due to COVID-19 and Hospital Cash due to Accident at Home
School Closure Compensation due to COVID-19
1,000
Hospital Cash due to Accident at Home
500/day
Home Appliances Warranty
From
HKD
820
/yr
800,000
200,000
10,000,000
OneDegree HK
OneDegree HK
From
HKD
1,074
/yr
1,000,000
200,000
12,000,000
OneDegree HK
OneDegree HK
From
HKD
1,678
/yr
OneDegree HK
OneDegree HK
Recommended
1,200,000
200,000
15,000,000
OneDegree HK
OneDegree HK
10,000
Check out our brochure or premium table
OneDegree HK
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
1
Assuming that a unit with a saleable area of ​​less than 400 square feet is insured with an All-Round 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.
2
Home appliance repair coverage is a default coverage under the All-Round Plan.
3
Coverage is limited to TVs (excluding screens), refrigerators, air conditioners, washing machines, dryers, and washer dryer combo purchased from authorized dealers in Hong Kong with a purchase value of less than 5 years and a value of at least HKD 3,000 Receipt proof is required; the maximum claim limit is HKD 10,000 or the purchase price of the appliance (whichever is lower), excluding transportation and transportation costs.
4
Only applicable to claims below HKD 2,000