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5 Best Home Insurance in Hong Kong (2026)

Independently ranked by our review of ratings, reviews and reputation · How we chose

Lorian Hartfield
By Lorian Hartfield, Real Estate and Financial Expert · ✓ Data verified July 2026 · 7 min read

A pipe bursts, a typhoon takes out a window, and the difference between a smooth payout and months of chasing emails usually traces back to who you bought the policy from in the first place. The names on this page have logged nearly 2,500 Google reviews between them, ranging from a 4.2-rated comparison platform to a perfect 5.0 broker, which tells you that for home insurance in Hong Kong, the provider matters as much as the policy itself.

Short answer: MoneyHero is the most-reviewed name here, a comparison platform rated 4.2 across 1,558 Google reviews, covering home, travel, and other insurance products. Kwiksure (4.8, 269 reviews) is a direct home-insurance broker comparing 60-plus insurers, and Alea holds a perfect 5.0 across 136 reviews for personalized broker support. Several reviewers highlight fast claims turnaround as the deciding factor after a real incident.
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Hong Kong Home Insurance Options, Compared

# Business Rating Reviews Best for
1 MoneyHero 4.2 ★ 1,558 Comparing multiple policies at once View ›
2 Kwiksure Motor Insurance 4.8 ★ 269 Comparing 60-plus insurers directly View ›
3 OneDegree 4.6 ★ 315 Digital-first, fast claims View ›
4 Alea - Insurance Broker 5.0 ★ 136 Personalized broker service View ›
5 Blue Cross (Asia-Pacific) Insurance Ltd 4.2 ★ 199 Established insurer with home cover View ›
5 Best Home Insurance in Hong Kong (2026)

Our top picks, reviewed

MoneyHero | 比較熱門信用卡、 私人貸款﹑保險及其他金融產品 logo
#1 Overall🕑 Open 5 days/wk↩ Responds to reviews

MoneyHero | 比較熱門信用卡、 私人貸款﹑保險及其他金融產品

4.21,558 Google reviews

MoneyHero is a Hong Kong personal-finance comparison platform covering credit cards, personal loans, and insurance products including home, travel, and car policies, alongside a broader insurance marketplace with promotional prize draws. It functions as a broker-style aggregator rather than an insurer itself, letting shoppers compare products from multiple providers in one place.

What people praise

  • One of the widest product comparisons on the market, covering home insurance alongside other categories
  • Some reviewers describe fast, responsive customer service resolving specific issues
  • Large review base gives a broad read on typical customer experience

Worth knowing

  • Multiple reviewers describe slow or unresponsive follow-up on claims and reward redemptions
  • Complaints about a confusing or unhelpful automated support chat
Reputation scorecardrank in Hong Kong
Rating4.2 / 5
Review volume1,558 · 97th
Confidencehigh
Recency2 months ago
Info completenesssite · phone · hours
Rating breakdown70% 5-star
✓ VerifiedSource: Google

Our take: It's the most-reviewed platform here by far, useful for comparing home insurance against other financial products in one search, but the review pattern suggests you should follow up in writing and keep records if a claim or redemption stalls.

Website+85230189760 Directions

22/F, East Exchange Tower, 38 Leighton Rd, Causeway Bay

Kwiksure Motor Insurance logo
#2🕑 Open 5 days/wk↩ Responds to reviews

Kwiksure Motor Insurance

4.8269 Google reviews

Kwiksure is a Hong Kong insurance broker comparing more than 60 insurers across car, home, domestic-helper, travel, and health insurance. It has served customers for over two decades and positions its home-insurance comparison as part of a broader one-stop insurance shopping service, with named account managers handling renewals and claims.

What people praise

  • Reviewers name specific staff members repeatedly across years of repeat business
  • Described as responsive by email and quick with renewal reminders
  • Praised for hands-on support during actual claims, not just at sign-up
  • One reviewer specifically credits Kwiksure's home-insurance guidance during a claim

Worth knowing

  • A handful of lower ratings exist among the largely five-star reviews
  • As a broker across 60-plus insurers, expect some back-and-forth comparing quotes rather than a single instant price
Reputation scorecardrank in Hong Kong
Rating4.8 / 5
Review volume269 · 86th
Confidencehigh
Recency6 months ago
Info completenesssite · phone · hours
Rating breakdown89% 5-star
✓ VerifiedSource: Google

Our take: The strongest broker pick here for anyone who wants a person to call when something actually goes wrong, not just at purchase. Reviewers consistently credit the same staff by name across years, which is a good sign for long-term service.

Website+85231132112 Directions

Kwun Tong, Hung To Rd, 1號37/F Unit 15-20

OneDegree logo
#3🕑 Open 5 days/wk

OneDegree

4.6315 Google reviews

OneDegree is a Hong Kong virtual insurer offering home insurance, fire insurance, pet insurance, and critical illness cover through an app-based platform. It positions itself around digital simplicity, with online quoting and claims submission designed to avoid paperwork-heavy processes.

What people praise

  • Reviewers consistently describe claims settled within about a week
  • App-based process is simple: upload receipts, answer basic questions
  • Compared favorably by reviewers against insurers requiring more detailed claim documentation

Worth knowing

  • One reviewer noted a claim took longer than usual with limited explanation for the delay
  • Reviews on this page mostly discuss pet insurance rather than home insurance specifically
Reputation scorecardrank in Hong Kong
Rating4.6 / 5
Review volume315 · 92th
Confidencehigh
Recency2 months ago
Info completenesssite · phone · hours
Rating breakdown85% 5-star
✓ VerifiedSource: Google

Our take: The fastest claims process described on this page, though most of the detailed reviews here are about its pet-insurance product rather than home cover. Worth asking directly about home-claim turnaround before you commit.

Website+85228869892 Directions

Unit 2520, 25/F, Two Harbour Square, 180 Wai Yip St, Kwun Tong

Alea - Insurance Broker logo
#4🕑 Open 7 days↩ Responds to reviews

Alea - Insurance Broker

5.0136 Google reviews

Alea is an international insurance broker with a Hong Kong office in Sheung Wan, comparing more than 50 insurers for health, group, and related insurance products, with a stated focus on personalized, unbiased advice over pure price comparison. It works with expat and long-term Hong Kong residents navigating insurance decisions during major life events.

What people praise

  • Holds a perfect 5.0 rating across 136 reviews
  • Reviewers repeatedly name specific advisors who guided them through complex decisions
  • Described as unpressured and genuinely comparative rather than pushing one insurer
  • Long-term relationships mentioned, spanning years and multiple life events

Worth knowing

  • Reviews on this page focus mainly on health insurance rather than home insurance specifically
  • As a broker working across many countries, confirm their home-insurance offering directly
Reputation scorecardrank in Hong Kong
Rating5 / 5
Review volume136 · 75th
Confidencemoderate
Recency3 months ago
Info completenesssite · phone · hours
Rating breakdown98% 5-star
✓ VerifiedSource: Google

Our take: The highest-rated name on this list, with reviewers consistently praising the human side of the advice rather than just price. Confirm home-insurance specifics directly, since most of its visible reviews describe health cover.

Website+85226062668 Directions

21-24 Connaught Rd W, Sheung Wan

Blue Cross (Asia-Pacific) Insurance Ltd logo
#5🕑 Open 5 days/wk

Blue Cross (Asia-Pacific) Insurance Ltd

4.2199 Google reviews

Blue Cross (Asia-Pacific) Insurance Ltd is a long-established Hong Kong insurer offering home insurance, travel insurance, medical cover, and related general insurance products directly, rather than as a broker. Its site lists a dedicated home-insurance comparison tool alongside travel and other policies.

What people praise

  • Reviewers describe fast, no-hassle payouts for lost items and specific incidents
  • Straightforward online enrollment for some product lines, with policy delivered by email
  • Established, direct insurer rather than a third-party broker

Worth knowing

  • A detailed complaint describes a difficult, months-long dispute over a large claim involving a pre-existing condition clause
  • Lowest rating on this list, and the negative reviews are specific rather than vague
Reputation scorecardrank in Hong Kong
Rating4.2 / 5
Review volume199 · 81th
Confidencemoderate
Recency5 weeks ago
Info completenesssite · phone · hours
Rating breakdown74% 5-star
✓ VerifiedSource: Google

Our take: It ranks here on volume and name recognition as a direct insurer, but the lowest rating on this list comes with some detailed, serious complaints about claims disputes. Read the policy's exclusions carefully before you rely on it for a major loss.

Website+85228396333 Directions

Wan Chai, Queen's Rd E, 183號合和中心54樓

6

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How we score these providers

Every number on this page is computed from public Google data on the date shown, not from opinion or payment. Rating is the provider’s live Google star average. Review volume is how many customers have rated them, measured against the other home-insurance providers on this page. Confidence weighs the rating by that volume, so a 4.8 from hundreds of reviews carries more weight than a 5.0 from a smaller sample. Recency reflects how recently customers are still leaving reviews. No provider can pay to change these numbers.

What does home insurance cost in Hong Kong?

Premiums depend on property value, contents coverage, building type, and whether you’re insuring an owned flat or a rented home. Comparison platforms and brokers on this page can generate a quote based on your specific property, so pricing isn’t a single fixed figure across the market.

Home insurance access across Hong Kong

The providers above operate from Causeway Bay, Kwun Tong, Sheung Wan, and Wan Chai, with most offering service across Hong Kong Island, Kowloon, and the New Territories through phone, email, or app-based channels. If you’re comparing home insurance near me, every listing below shows a live phone number so you can get a quote or ask about your specific property directly.

What to ask before you buy home insurance

  • What’s covered for contents versus structure, and are there sub-limits on high-value items?
  • How long does a typical claim take to settle, and what documentation is required?
  • Are pre-existing conditions or prior damage excluded, and how is that defined?
  • Is the quote from a direct insurer or a broker comparing multiple providers?
  • What’s the process for renewing, and does the premium change automatically?

Frequently asked questions

How did you choose these home insurance providers?

We started from home-insurance brokers and insurers in Hong Kong with a public Google presence, then ranked by rating, review volume, consistency, and recency. See How we score above.

Are these rankings paid?

No. Rankings come from public Google data. A business can pay to be a Featured Partner, which adds a badge and top placement, but that never changes another business’s score or position.

How often is this updated?

The data carries a verified date (July 2026 on this page). We refresh listings periodically so ratings and review counts stay current.

Should I use a broker or buy directly from an insurer?

Brokers like Kwiksure and Alea compare multiple insurers and can help during a claim, while direct insurers like Blue Cross and OneDegree sell their own policies without a middleman. Reviewers on this page describe good experiences with both approaches; the difference tends to come down to how much hands-on help you want.

Which of these providers has the fastest claims process?

Reviewers most consistently describe fast turnaround with OneDegree’s app-based claims process and with Kwiksure’s hands-on broker support during a claim.

The bottom line

Kwiksure is the safe default if you want a broker who stays involved after the sale, while Alea is the strongest pick for genuinely personalized advice. Whichever route you take, read the exclusions on pre-existing damage before you sign, since that’s where the one serious complaint on this page originated.

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