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Insure Today, Preserve Tomorrow
OneDegree Home Insurance

Climate change is fueling extreme weather, putting your home at risk of disaster. OneDegree Home Insurance offers up to HK$1.2 million in coverage^, plus solar photovoltaic system coverage and a renewal discount for energy-saving. Act now for green living - get 30% off the first year's premium on insurance until July 31, 2025!

Home Insurance Product Features

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OneDegree HK

Home Insurance Product Features

OneDegree HK

Home Insurance Product Features

OneDegree HK
Up to HK$1.2 Million in Household Contents Coverage^ Including Water Leakage and Other Household Accidents
With extreme weather persisting, heavy rain and typhoons can cause household accidents like water leakage, leading to significant property damage. We provide up to HK$1.2 million in household contents coverage^, allowing you to prevent risks and have peace of mind.
OneDegree HK
Up to HK$15 Million in Third-Party Liability Coverage^ to Reduce Claim Losses
With a monthly premium of less than HK$100*, you can enjoy up to HK$15 million in third-party liability coverage^. If a household accident causes bodily injury or property damage to others, we will cover the compensation, reducing your losses.
OneDegree HK
Optional Appliance Warranty Coverage - One Premium Covers Repairs for 14 Types of Appliances
This optional coverage includes original repair costs for 14 major appliances, such as air conditioners, washing machines, water heaters, and dehumidifiers**. New appliances provided by developers with the property are also covered. By choosing repair over replacement, you contribute to environmental protection.
OneDegree HK
Optional Coverage for Solar Photovoltaic System to Help You Live an Environmentally Friendly Life
This optional coverage provides up to HK$2 million for building structure and solar power systems, including damage to solar power systems caused by accidents. This allows you to confidently introduce renewable energy to your home, taking a step towards environmental protection.
OneDegree HK
Save Electricity to Protect the Environment and Enjoy Renewal Discount Benefits
When renewing your policy, simply upload your household electricity bill to prove that your annual electricity consumption has decreased by 10% compared to the previous year, or that your daily electricity consumption is less than 8 kWh, and you can enjoy an additional 5% premium discount^^. Mitigate extreme weather by starting with daily electricity conservation.
OneDegree HK
Village Houses and Independent Houses Are Equally Covered, with the Same Pricing and Coverage
Unlike some home insurance plans in the market, we cover all types of residential properties, including village houses and independent houses. There are no additional premiums or extra underwriting requirements, ensuring that every home receives the protection it deserves.
For more details about remarks, please refer to notes
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Scope of Coverage

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Choose Your Plan
Enter your housing info and get a quote instantly
OneDegree HK
We insure buildings aged 50 or below
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Standard
Plus
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Recommended
Prestige
Core
Household Contents
Detailed Coverage
Personal Accidental Death
Third-Party Liability
Optional
Exclude optional benefits that you don't need
Home Appliances Warranty
Applicable only if You are the Occupier
Max claim payment limit
Not applicable
Exclusive Prestige Plan
Enjoy 14 types of appliances warranty as low as HKD- every year.
Building Structure
Applicable only if You are the Property Owner
Building Structure and Solar Photovoltaic System
Applicable only if You are the Property Owner
School Closure Compensation and Hospital Cash Benefit
Applicable only if You are the Occupier
Landlord Protection
Applicable only if You are the Landlord
Pet Owner Third-party Liabilities
Applicable only if You are the Occupier
From
HKD
-
/yr
approx. HKD
-
/mo
From
HKD
-
/yr
approx. HKD
-
/mo
From
HKD
-
/yr
approx. HKD
-
/mo
OneDegree HK
How Claim Works?
OneDegree HK

Paperless Claim Process

File your claim online with a completely paperless process. 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.

Property/Home Appliances Warranty Insurance Claim Form: Download

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

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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
^
Applicable to the Prestige Plan only
*
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.
**
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. 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. Applicable to Prestige Plan only.
^^
The offer is subject to terms and conditions. Please refer to the relevant webpage for details.
#
Only applicable to claims below HKD 2,000.
Terms and Conditions
1.

This promotion is valid from now until 31 July 2025 ("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.

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.

5.

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

6.

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

7.

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. 

8.

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