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American Express

Home Plus Insurance Plan


Let you and your family enjoy extra peace of mind


Underwritten by:


We value you plus your home


Home is where the heart is, let's protect it. With our multiple protections and optional benefits, you can customize the sum insured and simply enjoy the fact that life can be full of flexibility.

Enrollment Offer for American Express Cardmembers


From June 15 to September 30, 2023, successfully enroll in the American Express Home Plus Insurance Plan and meet the monthly premium amount requirement, be rewarded with up to HK$800 supermarket coupon* per policy.

Monthly premium amount reached Supermarket coupons awarded
HK$150 to below HK$200
HK$200 or above

Here’s a glance of what we cover

Up to HK$3,000,0001,2 home contents3 protection


  • Cover for any accidental loss, destruction or damage to home contents3 at your home, including personal belongings4, furniture, computers, mobile phones as well as windows, doors and floor tiles
  • Up to HK$500,000 valuables4 protection, including your jewellery, gold, silver, precious metals, furs, watches, curios, works of art and antiques
  • Unlimited number of claims within the maximum annual coverage5

HK$10,000,000 legal liability protection


  • Cover for legal liability compensation payable for accidental bodily injury to another person or accidental damage to another person’s property as an owner or occupier of your home, a pet owner or a tenant
  • Include home owner’s liability in common areas of the building
  • Cover for worldwide personal legal liability

Customize the maximum amount and optional benefits flexibly


  • Adjust the sum insured amount of designated benefits under core benefits of DIY Plan6
  • Optional benefits of building7, worldwide personal possessions8 and personal fine art collection9 cover

Multiple protections catering to your multidimensional lifestyle


  • Repair cost reimbursement for accidental and physical damage to mobile phones, tablets and laptops worldwide
  • Cover loss of money and unauthorized use of credit cards due to loss of personal properties
  • Feng Shui consultation costs reimbursement and alternative accommodation protection
  • Pet-related protection, including legal liability protection as a pet owner and alternative accommodation costs and expenses for your pets

24-Hour Emergency Home Assistance Services


  • Hassle-free cashless approach10 for emergency plumbing, electrical or locksmith assistance
  • Other free referral services

Ready to apply?


Home sweet home and leave the worrying to us!

Zurich Insurance Company Ltd ("Zurich") is the insurance underwriter of American Express Home Plus  Insurance Plan ("this Plan") and solely responsible for all coverage and compensation. Zurich is not a subsidiary or an affiliate of American Express International, Inc. ("We/we/us"). Zurich reserves the right of final approval of this Plan. The above information is only a summary and does not constitute any part of the contract. For details, please refer to policy terms and conditions and exclusion clauses of this Plan and the above description is neither an offer to sell nor a solicitation to purchase any particular insurance product.

We identify insurance providers and products that may be of interest to you. In this role we do not act as an agent or fiduciary for you, and we may act on behalf of the insurance provider, as permitted by law. We want you to be aware that we receive commissions from providers and commissions may vary by provider and product. Also, in some cases, an American Express entity outside of the country may be the reinsurer and may earn reinsurance income. The arrangements we have with certain providers, including the potential to reinsure products, may also influence what products we identify. Zurich and we only provide general advice and do not consider your objectives, financial situation or needs. We do not require you to purchase any insurance product, and you may choose to cover your insurance needs from other sources on terms they may make available to you.
In the event of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between us and the customer out of the selling process or processing of the related transaction, we will enter into a Financial Dispute Resolution Scheme process with the customer; however any disputes over the contractual terms of the product should be resolved directly between Zurich and the customer.

American Express