Home Insurance Premiums

When you choose CCW Global as your insurance broker we will contact a number of different insurers to find Home Insurance solutions which meet your specific requirements. Once we have identified a number of optimal solutions for your Home insurance coverage in Hong Kong we will present these to you in an easy comparison table, enabling you to quickly identify the differences between the various options available.

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Calculating Home Insurance Premiums

One of the major differences which will be readily apparent is in regard to the premiums, or cost, of the various plans on offer. Because CCW works with a number of leading Hong Kong Insurance Companies, and because each of those companies will have their own underwriting methods for Home policies, the premiums between plans can vary greatly.

To help you understand the basics of calculating a Home Insurance premium in Hong Kong we have provided some clarification on the important premium variables below. Please note that while all the insurance companies we work with may use each variable in a Home Insurance premium calculation, the weighting of each variable may be slightly different between providers leading to differing premium values for the same policy from different insurance companies.


Home Contents Insurance Premiums

Home Contents Insurance is, as mentioned elsewhere on this site, designed to protect your household possessions against loss, theft, or accidental damage.

When calculating the premium of your Home Contents insurance policy Hong Kong insurance companies will typically look at the following variables:

  • Your home address
  • The size of the property in Square Feet
  • The year the property was built
  • The total monetary value of your household contents in the event of total loss
  • A description and value for all items to be covered on an individual/named basis under the policy (watches, jewellery, artwork, precious metals and stones, musical instruments, etc.)
  • A description and value for items to be covered outside of the home on a worldwide basis
  • Details of any previous losses or claims history under a Home Insurance Policy in Hong Kong

When requesting a Home Contents insurance Quote it is important that you supply all the relevant information as accurately as possible. Providing incomplete information, or not providing the information under a certain field (such as the size of your home) may lead to a quotation which is not accurate for your Home Contents policy.

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Fire Insurance Premiums

When calculating a fire insurance premium in Hong Kong, insurance companies will normally request the following information:

  • The nature of the insured property, whether a family home, business warehouse, etc.
  • The sum insured of the property; the replacement value and rebuilding cost
  • The location of the insured property
  • Security Arrangements for the physical structure of the property
  • The age of the building, if building cover is taken.

If you are requesting a quotation for a Hong Kong Fire Insurance plan it is important that you provide all the requested details as accurately as possible. Failure to disclose a specific variable or providing misleading information will result in a quotation which is incorrect.

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Free Hong Kong Home Insurance Quotes

If you would like to receive a free quote for a Hong Kong Home Insurance plan to cover the physical structure of your property simply complete this short form. Once we have received your quotation request and expert Hong Kong Insurance broker will contact you to discuss an extensive comparison of all the leading Fire Insurance plans best suited to meet your requirements.

For more information about the comprehensive Fire Insurance Quotes offered by CCW Global in Hong Kong please click Our Fire Insurance Quotation Process.

You can also speak to a CCW Insurance Broker directly by Contacting Us Today.

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