Home Protection | Self-occupied / tenant

Home protection with boosted flexibility

Customise your home protection with various optional benefits, alongside coverage for home contents and legal liabilities
Identity
Self-occupied#
Tenant#
Leasing out your property? Avo also offers home protection for landlords that cover loss of rent and more. Click here to learn more
#Policy holder must be the owner of the property or tenant listed in the tenancy agreement

#1 mix-and-match, ultra-flex home insurance

Avo Home Protection is designed to give you the greatest freedom. With optional benefits such as ‘Gadget’, you are free to mix and match protection items to cater the needs of your family. With the highly flexible design, you can personalise your home insurance plan and no need to take up unnecessary coverage at your own cost.

Take full control of your protection. Pick only what you find helpful
Break free from bundled benefits that do not fit your needs at all. Avo provides a wide range of options to DIY your insurance plan. Almost everything is up to you, including the sum insured!
Buildings aged 55 or below are under our wing
Usually, home insurance only covers buildings with building years of 40 or below. Traditional housing estates like Taikoo Shing and Mei Foo Sun Chuen are left out. Avo wants to shake up the status quo. Whether living in or renting an older building, you can get protected at an affordable rate!
Stretched definition of family: common-law/ same-sex partners and even friends living together enjoy equal benefits
Avo embraces diverse definitions of the family. Not only traditional families are covered, but opposite-sex and same-sex couples who live together can also enjoy the protection. Even if your roommate isn’t your partner, you can still get protected – we truly care for all families*
Premium floats according to what you’ve picked
The larger the home, the more expensive your premium? Avo disrupts the usual practice of home insurance, and the premium varies mainly according to your customised sum insured and optional benefits instead of your home size
Opt for up to HKD 10 million legal liabilities coverage
If you accidentally cause damages to others’ property or third-party bodily injury due to insured events, the legal liability coverage can share your compensation and legal fee up to 10 million
Extend your home contents protection to worldwide coverage
Do you love flash travel, or are you a frequent traveller? With the Traveller optional benefit, you can get compensated for the loss of personal belongings of your family and yours around the globe. Our coverage follows as you go!

Optional Benefits

Always lose your keys or cards? Relax, we’ll cover the costs. Also, loss from unexpected power or water failures, thefts and burglaries are covered
The above coverages are for reference only. For details, please refer to the Policy Wordings.

Featured mix

Metropolitan
Designed for connoisseurs to make the most out of life. Your pets, wine and more are covered
Select
Tech Guru
For the most on-edge, sharing your cost for repairing or replacing your accidentally damaged gadgets
Select
Smart Decider
Best price-performance ratio, with all essential protections in one go
Select

Benefit summary

Home Content
HKD600,000 - 1,500,000
Legal Liabilities
HKD5,000,000 - 10,000,000
Age of Building Covered
Up to 55 years
Worldwide Personal Belongings (Traveller)#
HKD10,000
Windows / Door Locks / Keys Replacement (Laid-back)#
HKD3,500
PC / Game Consoles / Accessories (Gadget)#
HKD10,000
#Some of the benefit items are optional. For details, please refer to the Optional Benefits Item list below.
Home Content
HKD600,000 - 1,500,000
Legal Liabilities
HKD5,000,000 - 10,000,000
Age of Building Covered
Up to 55 years
Worldwide Personal Belongings (Traveller)#
HKD10,000
Windows / Door Locks / Keys Replacement (Laid-back)#
HKD3,500
PC / Game Consoles / Accessories (Gadget)#
HKD10,000
#Some of the benefit items are optional. For details, please refer to the Optional Benefits Item list below.
Optional Benefits Item
The above information is for reference only and does not constitute any contract between Policy Holder and Avo. Please read the Policy Wordings for details.

Product documents

For details on our Benefits, refer to the documents below:
Policy Wordings

For details on the benefits and coverage for the self-occupied or tenants, please refer to the following table:
Landlord Occupier
Tenant

For eligible Personal Computer Equipment and Game Consoles, refer to the link below:
*Including your partner or housemate (who has lived with you for at least 12 months), and immediate family members

Important stuff

  • We provide cover for private dwelling with saleable area of 1,200 square feet of below, located in a building aged 55 or below and located in a non low-rise building (more than 5 storages).
  • Policy holder must be aged 18 or above, holds a valid HKID card and is the landlord occupier, tenant, or landlord (for leasing) of the risk of location.
  • According to your understanding, the risk of location has not been denied for new application or renewal of any home or property insurance, or has the insurance with additional premium imposed.
  • According to your understanding, the risk of location has not reported and settled claim(s) in regards to any loss, damage, liability or accident indemnified under any home insurance or the like during the past three years.
  • The above information is for reference only. For details please read the policy.

FAQs

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The above information is for reference only. Please read the Policy Wordings for details.
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