Does It Cover Flooding, Power Outages & Liability?
Home Insurance Typhoon Rainstorm Coverage
Published on: 18 September 2025 | Last Updated on: 18 September 2025 | Reading Time: 5 minutes
Is Your Hong Kong Home Prepared for Typhoon and Rainstorm Season?
As Hong Kong’s rainy season approaches, unpredictable typhoons and torrential rains threaten homes with water seepage, flooding, and power outages—leaving vulnerable to costly repairs and liability risks. Below, we will explore common home insurance issues related to water seepage, flooding, and power outages.
TL;DR: Does Hong Kong Home Insurance Cover Typhoon Damage?
Allianz Home Insurance offers comprehensive coverage protecting against typhoon and rainstorm related losses including:
Hong Kong Home Insurance FAQ: Protecting Your Property from Typhoons & Natural Disasters
Q: Does home insurance cover water damage to furniture, home appliances, and valuables caused by water seepage during a typhoon?
A: Yes, your policy covers damage to Contents (e.g., household appliances, furniture, personal belongings) caused by typhoon-related water seepage. Contents includes household goods and personal effect being the property of the Insured or any member of his/her family normally residing with him, in the insured premises.
Q: Are you covered if a loose window falls into street, causing injures to someone?
A: Third party claim caused by fallen window is covered if it is shattered by typhoons. However, reasonable precautions must be taken before the typhoon to prevent any accident.
Q: Does insurance cover fridge food spoilage or appliance damage due to power cut during typhoon?
A: Yes, food spoilage or appliance damage, due to short- term power cut during typhoon are covered. However, gradual deterioration, wear and tear, and depreciation (e.g., aging wiring) is excluded.
Q: Is flood damage from rainwater entering through broken windows covered?
A: Yes, damaged Contents (e.g., furniture, electronics) caused by rainwater entering through typhoon-damaged windows is covered.
Common Hong Kong Home Insurance Claims Scenarios
Interior Water Damage
Mr. Ho faced severe water leakage during a typhoon, damaging his walls and paint. With Allianz’s Platinum Home Insurance plan, covering home assets up to $1.5 million. This plan also includes compensation for temporary relocation and accommodation expenses, allowing Mr. Ho to repair his window and ease his financial burden smoothly.
Typhoon Shatters Windows & Damages Home Contents
During a typhoon, strong winds shattered Ms. Cheung’s apartment windows, causing rainwater to damage his leather sofa. He successfully claimed repair costs under Allianz Home Insurance’s "Home Contents Protection," covering furniture and appliances (e.g., TVs, pianos, sofas) with up to HK$300,000 per item.
Fire Damage Recovery
After a fire damaged Mr. Chan’s apartment, his mortgage-linked Fire Insurance covered structural repairs, while Allianz Home Insurance reimbursed custom renovations and personal belongings like clothing and appliances.
Fire Insurance covers building structures, whereas Home Insurance protects personal contents. Combining these policies ensures comprehensive coverage, as relying solely on Fire Insurance leaves personal belongings unprotected.
Key Reminder
Home risks are ever-present! Before purchasing home insurance, ensure you fully understand the coverage details.
📋 3-Step Guide to Filing an Allianz Home Insurance Claim:
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1Take clear photos of damaged items and preserve on-site evidence
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2Notify Allianz Home Insurance Claims Department immediately via email: claimshk@allianz.com
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3Submit all claims within 30 days of the incident
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Protect your home contents up to HKD 1.5 million. Personal Liability from negligence by you or your family members up to HKD 12 million.