One of the benefits of buying a home insurance is your personal belongings could be covered even you are not in Hong Kong (when you are in a business trip or travelling around the world). The benefit is up to HK$5,000 to HK$20,000. However, only MSIG, Dah Sing and Prudential provide free covereage for worldwide personal belongings, and Zurich provides optional plan with additional price so you could choose the coverage that suit you the best.
| Insurance Company (Plan) | Personal Effects and ValuablesCover |
|---|---|
| Allied World (Plan I) | $5,000 |
| AXA (SmartHome Optimum) | $30,000 |
| Dah Sing (Plan B) | $15,000 |
| FWD (Easy HomeCare ) | Not applicable |
| MSIG (Plan B) | $11,250 |
| Prudential (Harmony) | $10,000 |
| Zurich (Standard) | Optional coverage, depends on additional premium (free coverage for mobile, tablet and laptop) |
| CHUBB MyHomeGuard Plan A - High Risk House | $2,500 |
Besides, majority of insurance companies will list the coverage and maximum limit per policy year for "Loss of Personal Money", "Unauthorized use of Credit Card" and "Loss of Personal Documents" separately.
| Insurance Company (Plan) | Loss of Personal Money | Unauthorized use of Credit Card | Loss of Personal Documents |
|---|---|---|---|
| Allied World (Plan I) | $2,500 | $2,500 | $2,500 |
| AXA (SmartHome Optimum) | $2,500 | $10,000 | $1,500 |
| Dah Sing (Plan B) | $1,500 | $3,000 | $1,000 |
| FWD (Easy HomeCare) | Not applicable | Not applicable | Not applicable |
| MSIG (Plan B) | $2,500 | $10,000 | $1,000 |
| Prudential (Harmony) | $2,000 | $2,000 | $1,000 |
| Zurich (Standard) | $5,000 | $20,000 | $5,000 |
| CHUBB MyHomeGuard Plan A - High Risk House | $2,500 | $2,500 | $2,500 |