Personal Insurance Hong Kong

Personal & Home Insurance

Protect Your Personal Belongings and Lifestyle in Hong Kong

From home contents and valuables to travel, motor and domestic helper cover - MGG arranges comprehensive personal insurance for individuals, families and expats living in Hong Kong. Simple packages or fully tailored solutions - we find the right cover for your lifestyle.

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Exclusive Personal Insurance Plans

Comprehensive Cover for Every Part of Your Life in Hong Kong

Tailored for Hong Kong — typhoon, flooding and water damage cover included

Size-based packages or fully customised solutions

Cover for expats - worldwide possessions and international travel

What We Offer

Key Features of Our Personal Insurance Service

Home & Contents Protection

Valuables & Personal Possessions

Personal
Liability
Cover

Worldwide Personal Possessions

Personal Insurance Solutions For Life in Hong Kong

Living in Hong Kong is exciting, dynamic and fast-paced - but it also comes with risks that residents from other countries often underestimate. Typhoons, flooding, theft in densely populated areas, the obligations of employing domestic helpers, and the complexity of insuring high-value personal possessions in a small apartment all require a broker who understands the local environment. At M.G. Geraghty, we have been helping individuals and families navigate Hong Kong's personal insurance market since 1990. We take the time to understand your living situation, your assets and your lifestyle — and we find cover that genuinely fits.

What personal insurance do I need as a renter in Hong Kong?

As a renter, you should consider at minimum: home contents insurance (to cover your belongings — your landlord's building insurance does not cover your possessions), personal liability insurance (often required by landlords in the tenancy agreement), and domestic helper insurance if you employ a helper. If you have high-value items such as jewellery or electronics, a valuables or worldwide possessions extension is also advisable.

Does home insurance in Hong Kong cover typhoon damage?

Yes - if arranged correctly. Standard overseas home insurance policies often have limitations or exclusions around storm damage that do not adequately address the Hong Kong typhoon environment. Our local policies are specifically worded to cover typhoon-related damage, flooding, water ingress and associated repair costs. We explain exactly what is and is not covered at the time of placement.

Do I need Employees' Compensation insurance for my domestic helper?

Yes. Under Hong Kong's Employees' Compensation Ordinance, all employers - including domestic employers - are legally required to hold valid EC insurance for their helpers. Failure to do so is a criminal offence. We arrange domestic helper insurance that includes EC cover as standard, combined with medical, personal accident and liability protection in one simple policy.

What Our Clients Say

Trusted by Individuals & Families Across Hong Kong

Daniel Foster

Hong Kong

^“MGG's team built a business insurance package that truly fits our operations in Hong Kong. From liability to employee protection, every detail was clearly explained. Their professionalism gave us confidence from day one. _“

Managing Director

James O’Brien

Hong Kong

^“Michael Hurley’s knowledge of the equine industry is exceptional. He doesn’t just arrange a policy — he explains exactly what the cover means for your horse and ownership structure. We now have complete confidence that we are properly protected. _“

Racehorse Owner

Sophia Bennett

Hong Kong

^“We needed urgent event cancellation and public liability cover for a corporate function in Hong Kong. The team arranged everything quickly and explained the risks clearly. Their service removed a huge amount of stress from the planning process. _“

Event Planner

Aarav Mehta

Hong Kong

^“Their medical insurance advice was clear, honest, and highly personalised. They helped us compare international plans and select the right family cover without overcomplicating the process. Excellent service throughout. _“

Private Client

Edward Collins

Hong Kong

^“Finding proper agreed-value cover for classic vehicles can be difficult, but Michael’s team made it seamless. The attention to detail and understanding of collector needs was outstanding. I wouldn’t insure my collection anywhere else. _“

Classic Car Collector

Oliver Hughes

Hong Kong

^“Their yacht insurance knowledge is second to none. From marina liability to storm damage risks, every aspect was covered thoroughly. When we needed advice during renewal, the support was immediate and highly professional. _“

Yacht Owner

We Have More
Than 5k Global Clients

Frequently Asked Questions

Personal Insurance - Your Questions Answered

What is the difference between home contents insurance and buildings insurance?

Home contents insurance covers your personal belongings - furniture, appliances, clothing, electronics and valuables - against damage, theft and loss. Buildings insurance covers the physical structure of the property itself - walls, floors, roof, fixtures and fittings. In Hong Kong, most apartment owners in managed buildings are covered for buildings insurance through the building's management company, so contents insurance is typically the priority for flat owners and renters. Standalone property owners - including village house owners - need both.

Does my home insurance cover typhoon damage in Hong Kong?

It can - if arranged correctly. Not all home insurance policies available in Hong Kong explicitly cover typhoon-related flooding, water ingress and storm damage in the same way. Our policies are specifically designed for the Hong Kong environment and include clear provisions for typhoon and severe weather damage. We explain exactly what is covered - and what is not - before you take out a policy.

Do I need to insure my domestic helper separately?

Yes. As a domestic employer in Hong Kong, you are legally required to hold Employees' Compensation insurance for your helper under the Employees' Compensation Ordinance. We arrange domestic helper insurance packages that include EC cover as a standard component, combined with personal accident, medical and third-party liability protection. Policies can be set up quickly and renewed annually.

What does worldwide personal possessions cover include?

Worldwide personal possessions insurance covers the items you regularly take outside your home - laptops, mobile phones, cameras, handbags, sunglasses, keys and similar personal accessories - against theft, accidental damage and loss, anywhere in the world. This is particularly useful for Hong Kong residents who travel frequently for work or leisure.

Can I insure my jewellery and watches under my home insurance?

Yes - but it is important to specify high-value items individually to ensure they are properly covered. Standard home contents policies often include a blanket valuables limit that may not be sufficient for significant jewellery collections, luxury watches or antiques. We recommend itemising high-value pieces with agreed values to avoid any disputes at claim time.

Is travel insurance available as part of a personal insurance package?

Yes. We can arrange single trip or annual multi-trip travel insurance for individuals and families. Annual policies are typically more cost-effective for frequent travellers and cover all trips taken during the policy year up to a defined duration per trip. Cover includes overseas medical expenses, emergency evacuation, cancellation, baggage and personal liability.

How quickly can you arrange personal insurance?

For standard personal insurance products — home contents, domestic helper, travel — we typically provide quotes within 24 hours and can bind cover the same day if required. For more complex arrangements involving high-value properties or significant valuables, allow 2–3 business days. Contact us on (852) 2877 8006 or WhatsApp (852) 5579 5542 for urgent requirements.

What We Offer

OUR POPULAR SERVICES

At M.G. Geraghty, we combine decades of expertise with a personal approach to insurance broking. Whether you need cover for your business, your family, or something truly specialist — we find the right solution at the right price.