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American Express

Home Insurance Plan


Covering your home against unforeseen events


Underwritten by:


Home is where the heart is


There's no place like home, let's protect it and keep it that way. We'd like to bring you and your precious belongings multiple protections, so that you can enjoy extra peace of mind.

Here’s a glance of what we cover

Take a look at the key benefit levels

Major Exclusions:

  • Unexplained loss
  • Illegal building works
  • Electrical and mechanical breakdown
  • Wear and tear
  • War
  • Terrorism
  • Radioactive contamination
  • Nuclear
  • Pollution contamination
Policy exclusions and limitations apply.  Please refer to the policy terms and conditions for full details.

Policy Wordings

Would you like to learn more about the Plan?

All the information you need is in the policy document.


The Insured must be:


• American Express Cardmember

• Aged 18 or above

• Residing in Hong Kong with a valid Hong Kong Identity Card

Important Note

Upon Zurich Insurance Company Ltd (“Zurich”)’s consent, American Express Home Insurance Plan which underwritten by Zurich will be automatically renewed. Nevertheless, it’s subject to Zurich’s review from time to time and successful receipt of premium from American Express Cardmembers.

About Zurich

Zurich Insurance
Being part of Zurich Insurance Group ("Zurich"), Zurich Insurance (Hong Kong) offers a full range of flexible general insurance and life insurance products for individuals as well as corporate customers, catering to their insurance, protection and investment needs. Our presence in Hong Kong dates back to 1961. We are one of the top five general insurance providers in Hong Kong*.
Zurich is a leading multi-line insurer that serves its customers in global and local markets. With about 54,000 employees, it provides a wide range of property and casualty, and life insurance products and services in more than 210 countries and territories. Zurich’s customers include individuals, small businesses, and mid-sized and large companies, as well as multinational corporations. The Group is headquartered in Zurich, Switzerland, where it was founded in 1872. The holding company, Zurich Insurance Group Ltd (ZURN), is listed on the SIX Swiss Exchange and has a level I American Depositary Receipt (ZURVY) program, which is traded over-the-counter on OTCQX. Further information about Zurich is available at www.zurich.com.
* Source: Insurance Authority, based on gross premiums, 2018.

We're here if you need us


We and Zurich Insurance Company Ltd ("Zurich") work together to deliver quality insurance products to our customers. Zurich is committed to providing you with a high level of customer service. Contact Zurich for enrollment or further information about American Express Home Insurance Plan.

Ready to apply?


Home Sweet Home and leave the worrying to us!


(852) 2903 9432#

# Please note that this hotline is handled by Zurich Insurance Company Ltd, the underwriter of American Express Home Insurance Plan.


Service Hours:

9:00 a.m. to 5:30 p.m., Monday to Friday

9:00 a.m. to 1:00 p.m., Saturday (except public holidays)

Zurich Insurance Company Ltd ("Zurich") (a company incorporated in Switzerland with limited liability) is the insurance underwriter of American Express Home 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.