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🧑🏻‍💼 Owner and occupier／Tenant
🏢 Landlord

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cross Saleable Floor Area – 400 sq. ft or below
cross 50 Years Building Age
cross 2026/02/21 Effective
cross Low Rise House
crossCoverage Comparison
SmartClub Members Enjoy 20% Off
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SmartClub Members Enjoy 20% Off
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HomeSafe Protection Plus
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HomeSafe Protection Plus
Home Insurance
HomeSafe Protection Plus

Everything at Home is Well Protected

A comprehensive home insurance plan based on the size of your home.
Home Emergency? We're Here 24/7
Home Emergency? We're Here 24/7
24-hour Home Assistance Service provides cashless electrical, plumbing and locksmith assistance and referral services including general repair on household items, baby sitting, nursing, temporary domestic helper and more
Furniture, Appliances, Renovations... All Covered
Furniture, Appliances, Renovations... All Covered
Coverage for Household Contents up to HK$3,000,000, including furniture, household appliances, household renovation, valuables and more​
More Protection for Your Cozy Home​
More Protection for Your Cozy Home​
Extended benefits cover wine, contents in the open area, business property for work from home and more​​
5 optional benefits
5 optional benefits
All-Risks Coverage for Building | Car Parking Space and Electric Vehicle Charger Protection​ | Top-up Cover for the Basic Benefits of Public Liability | Personal Effects and Valuables (Worldwide Cover) | Top-up Cover for Loss of Rent​
Public Liability , No Worries
Public Liability , No Worries
Public liability coverage up to HK$2,000 million to protect your legal liability against third party property damage or injury
Older Homes, We've Got You Covered
Older Homes, We've Got You Covered
Coverage for building age up to 60 years; no excess for claims for most losses or damages if building aged 45 years or below​

Everything at Home is Well Protected

A comprehensive home insurance plan based on the size of your home.
Home Emergency? We're Here 24/7
Home Emergency? We're Here 24/7
24-hour Home Assistance Service provides cashless electrical, plumbing and locksmith assistance and referral services including general repair on household items, baby sitting, nursing, temporary domestic helper and more
Furniture, Appliances, Renovations... All Covered
Furniture, Appliances, Renovations... All Covered
Coverage for Household Contents up to HK$3,000,000, including furniture, household appliances, household renovation, valuables and more​
More Protection for Your Cozy Home​
More Protection for Your Cozy Home​
Extended benefits cover wine, contents in the open area, business property for work from home and more​​
5 optional benefits
5 optional benefits
All-Risks Coverage for Building | Car Parking Space and Electric Vehicle Charger Protection​ | Top-up Cover for the Basic Benefits of Public Liability | Personal Effects and Valuables (Worldwide Cover) | Top-up Cover for Loss of Rent​
Public Liability , No Worries
Public Liability , No Worries
Public liability coverage up to HK$2,000 million to protect your legal liability against third party property damage or injury
Older Homes, We've Got You Covered
Older Homes, We've Got You Covered
Coverage for building age up to 60 years; no excess for claims for most losses or damages if building aged 45 years or below​

Home Insurance Coverage Comparison

Six plan levels offering flexibility to match your budget and protection needs.
Owner and occupier／Tenant
Landlord
Comprehensive Protection

Plan 1

crossCoverage for Household Contents up to HK$3,000,000
crossCoverage for Contents in the Open Area up to HK$100,000​
crossCoverage for Public Liability up to HK$20,000,000​
From
HK$5,444.00
HK$ 4,899 .60

Plan 2

crossCoverage for Household Contents up to HK$1,300,000
crossCoverage for Contents in the Open Area up to HK$50,000
crossCoverage for Public Liability up to HK$10,000,000​
From
HK$1,248.00
HK$ 1,123 .20

Plan 3

crossCoverage for Household Contents up to HK$800,000​
crossCoverage for Contents in the Open Area up to HK$20,000
crossCoverage for Public Liability up to HK$10,000,000
From
HK$941.00
HK$ 846 .90
Full Protection

Plan 4

crossCoverage for Household Contents up to HK$600,000
crossCoverage for Public Liability up to HK$10,000,000
From
HK$807.00
HK$ 726 .30
Comprehensive Protection

Plan 5

crossCoverage for Household Contents up to HK$500,000​
crossMalicious Damage by Tenant Protection up to HK$500,000​
crossLoss of Rent Protection up to HK$240,000​
From
HK$938.00
HK$ 844 .20
Full Protection

Plan 6

crossCoverage for Household Contents up to HK$200,000​
crossMalicious Damage by Tenant Protection up to HK$200,000
crossLoss of Rent Protection up to HK$120,000​​
From
HK$750.00
HK$ 675 .00
Benefit Details

Additional Benefits

No underwiting
Alternative Accommodation and Meal Allowance​
Alternative accommodation expenses and/or the meal allowance incurred within Hong Kong if specific events occur.
Coverage acceptance of pre-existing conditions
Accidental Death
Cover the insured/insured household for those aged 75 or below and due to accidental death occurs anywhere in the world and accidental death of pet due to fire or robbery or burglary occurred at home.
Retire, move to a new job
24-Hour Home Assistance Service
Provides cashless electrical, plumbing and locksmith assistance and referral services including general repair on household items, baby sitting, nursing, temporary domestic helper and more​.
Elderly, Guaranteed renewal
Replacement of Locks or Keys​
Replacement and installation of door locks and/or keys due to burglary, attempted theft or theft​.
Endoscopy servies, Cashless arrangement
Business Property for Work From Home​
Accidental loss of or damage to the employer's property used for clerical work at home.
Claim assessment
Unauthorised Use of Credit Cards​
Accidental loss arising out of unauthorised use of credit cards due to burglary, robbery or theft occurring anywhere in the world​​.
71-year-old birthday, Flexible enrolment age
Personal Documents​
Replacement cost of personal documents due to accidental loss or damage occurring anywhere in the world​.
Enrol online, fast & convenience
Moving to a New Home or Temporary Removal​​
Accidental loss of or damage to household contents while being in transit and moved by professional mover from home to a new permanent residence in Hong Kong; or being in transit and temporarily removed from home for professional cleaning, repair, renovation or maintenance within Hong Kong​.
Enrol online, fast & convenience
Storage of Household Contents​
Cash allowance will be payable if the household contents (excluding valuables) stored in a professional storage facility (e.g. mini-storage) in Hong Kong​ are damaged due to fire, flood, water discharged or overflowing or leakage from any water system or installation in such facility​.
71-year-old birthday, Flexible enrolment age
Frozen Food
Replacement cost of spoilt frozen food due to accidental change in temperature of refrigerator or freezer​.
Enrol online, fast & convenience
Domestic Helper's Property​
Accidental loss of or damage to the domestic helper's personal effects due to fire, robbery or burglary at home
Enrol online, fast & convenience
Specified Electronic Products​
Repair cost resulting from accidental physical damage to mobile phone, tablet computer or laptop computer occurring anywhere in the world​.
No underwiting
Alternative Accommodation and Meal Allowance​
Alternative accommodation expenses and/or the meal allowance incurred within Hong Kong if specific events occur.
Coverage acceptance of pre-existing conditions
Accidental Death
Cover the insured/insured household for those aged 75 or below and due to accidental death occurs anywhere in the world and accidental death of pet due to fire or robbery or burglary occurred at home.
Retire, move to a new job
24-Hour Home Assistance Service
Provides cashless electrical, plumbing and locksmith assistance and referral services including general repair on household items, baby sitting, nursing, temporary domestic helper and more​.
Elderly, Guaranteed renewal
Replacement of Locks or Keys​
Replacement and installation of door locks and/or keys due to burglary, attempted theft or theft​.
Endoscopy servies, Cashless arrangement
Business Property for Work From Home​
Accidental loss of or damage to the employer's property used for clerical work at home.
Claim assessment
Unauthorised Use of Credit Cards​
Accidental loss arising out of unauthorised use of credit cards due to burglary, robbery or theft occurring anywhere in the world​​.
71-year-old birthday, Flexible enrolment age
Personal Documents​
Replacement cost of personal documents due to accidental loss or damage occurring anywhere in the world​.
Enrol online, fast & convenience
Moving to a New Home or Temporary Removal​​
Accidental loss of or damage to household contents while being in transit and moved by professional mover from home to a new permanent residence in Hong Kong; or being in transit and temporarily removed from home for professional cleaning, repair, renovation or maintenance within Hong Kong​.
Enrol online, fast & convenience
Storage of Household Contents​
Cash allowance will be payable if the household contents (excluding valuables) stored in a professional storage facility (e.g. mini-storage) in Hong Kong​ are damaged due to fire, flood, water discharged or overflowing or leakage from any water system or installation in such facility​.
71-year-old birthday, Flexible enrolment age
Frozen Food
Replacement cost of spoilt frozen food due to accidental change in temperature of refrigerator or freezer​.
Enrol online, fast & convenience
Domestic Helper's Property​
Accidental loss of or damage to the domestic helper's personal effects due to fire, robbery or burglary at home
Enrol online, fast & convenience
Specified Electronic Products​
Repair cost resulting from accidental physical damage to mobile phone, tablet computer or laptop computer occurring anywhere in the world​.

FAQs

BlueCross+
A New Way to Experience Insurance
BlueCross+ offers a comprehensive one‑stop insurance platform that lets you manage your policies, claims, and rewards anytime, anywhere. Medical insurance members can also enjoy convenient healthcare services such as searching for network doctors, using the e-Medical Card for cashless doctor visits1, and applying for pre‑approval services. The intuitive card‑style interface keeps all your policy information right at your fingertips.
Learn More
1 Applicable to designated plans only.

Document Download

We provide a comprehensive home insurance plan tailored to the size of your residence.
Product Leaflet
Download
Benefit Details
Download
Terms and Conditions
Download
Application Form
Download
Note:
1. The above information does not contain the full policy terms and is for reference only. In case of any inconsistency between the Chinese and English versions, the English version shall prevail. For coverage details, please refer to all exclusions, disclaimers and policy terms stated in the policy document.
2. This product is available in Hong Kong only and is underwritten by Blue Cross (Asia-Pacific) Insurance Limited, a licensed insurance company in Hong Kong.