Home mishaps? Major storms? Always calm.
Your home should be your sanctuary. Yet water can flood while you sleep.💦 Fire can force you out for months.🔥 When disaster strikes, you realised that filing claims for traditional insurance policies comes with various challenges that could drain your savings: depreciation slashing payouts, coverage ending when you move or insurers arguing "building or contents?"
Home Cushion does things differently! True to our spirit of breaking tradition, Mox Insure introduces the all-new Home Cushion insurance: one policy, zero depreciation, protection that follows you when you move, and rewards up to 20% off for staying claim-free¹. Designed specifically for how Hong Kong people live!
Every coverage gap costs you real money out of pocket. Home Cushion plugs them all:
| Home Cushion Insurance solution🌟 | Traditional insurance gaps❌ |
|---|---|
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🛡️ Seamless all-in-one protection Home contents and building structure are covered under a single policy of up to HKD1,500,000 and HKD100,000 respectively, eliminating grey areas and insurer disputes for faster claims. |
Water damage to custom built-in furniture? Dispute: Is it "Building Structure" or "Home Contents"? |
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🛡️ New-for-old protection Full replacement cost coverage with zero depreciation deduction - never calculated at "second-hand value." |
Accidental damage to a 5-year-old TV? Payout is next to nothing after depreciation. |
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🛡️ Seamless moving dual protection Up to 28 days of simultaneous dual protection for both old and new homes during relocations, plus transit coverage up to HKD 225,000 - leaving zero coverage gaps. |
Belongings stolen or damaged on moving day? Coverage gap between old and new homes. |
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🛡️ 4 steps to instant effect Fastest purchasing journey2 in just 1 min 18 sec. Fully digital application in 1 single app. Auto-prefilled details with zero hidden fees or tedious forms. |
Complex and hassle-filled application forms? Form filling plus approval delays ruin your entire weekend. |
💡Home Cushion also cover third-party liability and personal accident up to HKD 10,000,000 and HKD 100,000 respectively.
See all benefits
Other Coverages
Staying claim-free should be rewarded🎁
| 1 year | 2 years | 3 years | 4 years or more |
|---|---|---|---|
| 5% off | 10% off | 15% off | 20% off |
🌟Your future premium is automatically discounted, no need for extra application and hassle.
Limited-time welcome offer: up to HKD200 supermarket vouchers³
Apply for Home Cushion for the first time during the promotion period to enjoy the following rewards:
| Plan | Welcome Reward | 🚀 With loyalty booster* |
|---|---|---|
| Basic | HKD50 supermarket voucher | Total of HKD100 supermarket voucher |
| Value | HKD100 supermarket voucher | Total of HKD150 supermarket voucher |
| Max | HKD150 supermarket voucher | Total of HKD200 supermarket voucher |
*🌟Our way to say thank you for customers who paid premium for Personal Accident Cushion or Travel Pick & Go before. Enjoy an extra HKD50 supermarket voucher as our appreciation for your continued support.
Apply now and live worry-free from today
Apply via the Mox app in a few simple steps
- Step 1: Open the Mox app, tap "More" > "Home Cushion"
- Step 2: Follow the on-screen instructions to complete application instantly
Documents and resources
Frequently Asked Questions
Home Cushion is a comprehensive home insurance product that offers protection for damage to home contents and building, third-party liability and personal accident for residential properties in Hong Kong. Home Cushion is underwritten and issued by QBE Hong Kong.
We currently provide 3 plans for Home Cushion - Basic, Value and Max. Each plan has different coverage, limits and pricing.
For information about the benefits of each Home Cushion plan, please refer to the policy wording in the Mox app and/or our website.
You can purchase a Home Cushion policy if you are a Mox customer with an active Mox Account.
When purchasing a Home Cushion policy, choose:
- Tenant if you are renting and occupying a property under a valid tenancy agreement;
- Owner Occupier if you legally own and personally live in the property;
- Landlord if you own the property but lease it out to tenant(s) in return for rent.
You can purchase and hold more than one Home Cushion policies at any one time, provided that the period of insurance for any additional policy you want to purchase does not overlap with the periods of insurance for any existing policies you hold for the same insured property.
Home Cushion provides coverage for three building type options:
- Multi-storey building
- Village house
- Semi-detached house