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Premium discount
From now to 31 December 2025, enrol to enjoy 20% off first-year premium discount . Terms and conditions apply.
Mileage rewards
Earn the best annual reward — HKD1 = 1 upon enrolment via Cathay, and provide your Cathay membership number to start your rewarding journey. Terms and conditions apply
Product highlight
Allows you to choose the optional benefits and home contents coverage limit you need flexibly1, giving you superior protection inside and outside your home at an affordable price. With clearly-listed fixed excess, each claim is more predictable.
Provides free recycling referral service while rewarding your green living
Covers both multistorey residential buildings and detached houses
Coverage summary
Home coverage
- Covers the cost of replacing or repairing your home contents such as furniture, fixtures, interior decorations, and household goods, due to accidental damage
- Covers the accidental deterioration of frozen food and damage by firemen during the execution of duties
- Covers the accidental damage to mobile phones and computers1
- Protects your valuables and wine collections
- Covers the accidental loss of personal money
- Legal liability coverage: gives you extra peace of mind for the legal liability to another person’s bodily injury or property damage
Outdoor coverage
- Protects your outdoor home contents, including tables, chairs, washing machines and fridge
- Worldwide personal legal liability coverage: gives you extra peace of mind for the worldwide legal liability to another person’s bodily injury or property damage when you are away from home
Support in various situations
- Offers cashless emergency assistance services on electrical, plumbing and locksmith1 2
- Covers the home content accidental damage during home renovation and moving to new home
- Covers debris removal and temporary removal fees associated with accidental damage to home content
- Provides alternative accommodation with meals when your home is uninhabitable due to accidental damage
- Provides up to HKD200,000 accidental death benefit per accident
Sustainable elements
- Gives you extra peace of mind for the liability arising from using EV charger and the damage to solar panels within the insured location3
- Provides free recycling referral service
- Rewards you with additional benefit for using recycling service1 and adopting a green lifestyle
For more coverage details, download policy wording
Comparison of home protection insurance products
| Breezy Home | Other home insurance products in the market | |
|---|---|---|
| Limit of home content protection (Applicable to Household Plan) |
Basic Protection limit ranges from HKD 600K to 1.25M ✓ Top up your plan with an additional HKD 2M coverage1 |
Not common to have top-up options |
| Special coverages | ✓ Outdoor properties ✓ Mobile phones and other electronic communication products (HKD 2,500/item or set)1 |
Not common to cover outdoor property and mobile phones or with a relatively lower coverage limit |
| Emergency home assistance service | Cashless onsite support for plumbing, electrical or locksmith assistance (only limited to standard hour and standard areas)1 | Most products only provide referral service |
| Claims submission | eClaim is available without requiring an app. | Usually submit via app/ email/ post/ fax |
| Sustainability features | ✓ Cover green equipment including solar PV panel and EV charger3 ✓ Incentive for using recycling service1 ✓ Perform carbon offset for your household electricity consumption ✓ Renewal discount will be rewarded for your year-on-year household electricity saving |
Not common to have sustainability features |
Our partner
About Zurich Insurance (Hong Kong)
Zurich Insurance (Hong Kong) is part of Zurich Insurance Group. In Hong Kong, we offer a full range of flexible insurance solutions to individuals, as well as commercial and corporate customers. Zurich’s presence in Hong Kong dates back to 1961. Since then, the company has dedicated to serving the Hong Kong community.
Cathay Pacific Airways (license number: FA3522) is appointed by Zurich as its insurance agency.
Frequently asked questions
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1 Only applicable to Comprehensive plan
2 The cashless approach is limited to standard hour and standard area
3 Only applicable to Comprehensive plan with optional Building coverage
Miles reward terms and conditions apply.
Bonus miles reward terms and conditions apply.
Discount offer terms and conditions apply.
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