Coverage
Single Items and Worldwide All Risks Home Insurance
The basic protection offered by a Hong Kong Home Contents Insurance policy can often be extended to include coverage for specific valuable items such as jewellery items, artwork, musical instruments and other collections if you itemise them on the policy. However, each policy is different and you would need to check the limits of the policy for individual items, and whether there is flexibility on those limits.
Additionally, for an increased Home Content Insurance Premium, many insurers will provide the option to cover certain personal property outside the home on a worldwide basis (if worldwide cover is not already included in the package). This means that you may insure specified items to be covered for accidental loss or damage happening anywhere in the world, including around Hong Kong.
Some insurers also offer cover for unspecified items (with a maximum limit per item) so that you do not have to list each and every personal item you carry with you. Again each policy is different and you would need to check the limits of the policy for individual items, and whether there is flexibility on those limits. The additional premium for worldwide cover is usually based on the value and nature of the item.
