Sweet Home Insurance

Our Sweet Home Insurance plan gives you peace of mind by providing a wide range of insurance protection for you and your family.

From NOW, apply Sweet Home Insurance online to enjoy 30% premium discount.

Three different plans and coverage for your choice
Alternative Accommodation are covered up to HK$50,000
Fatal Accident Benefits are incurred by Fire or burglar in your home
Free Benefits of Personal and Occupier’s Liability are covered up to HK$5,000,000
Optional Cover of Building can be covered as low as HK$250,000 with extra premium only HK$300

Section 1 - Household Contents (Basic Cover)

Household Contents	Max. Indemnity
Household Contents Due to any unforeseen, sudden, accidental physical loss or damage such as by fire, explosion, typhoon, bursting of water pipes, flood, landslip and subsidence or theft	Plan A - $500,000/Year Plan B - $750,000/Year Plan C - $1,000,000/Year Limit per item/set : $100,000
- Valuable Property (e.g. jewellery, gold, silver, crystal &precious stones, watches, photographicequipment, binoculars, works of art, chinaware, furs, musical instruments but except pianos.)	Up to 1/3 of Sum Insured in Section 1 Limit per item/set : $15,000
- Money, coins and stamps	$5,000/Year $1,000/Claim

Household Contents

Max. Indemnity

Household Contents
Due to any unforeseen, sudden, accidental physical loss or damage such as by fire, explosion, typhoon, bursting of water pipes, flood, landslip and subsidence or theft

Plan A - $500,000/Year
Plan B - $750,000/Year
Plan C - $1,000,000/Year

Limit per item/set : $100,000

- Valuable Property (e.g. jewellery, gold, silver, crystal &precious stones, watches, photographicequipment, binoculars, works of art, chinaware, furs, musical instruments but except pianos.)

Up to 1/3 of Sum Insured in Section 1

Limit per item/set : $15,000

- Money, coins and stamps

$5,000/Year
$1,000/Claim

Free Extra Benefits		Max. Indemnity
1.	Alternative Accommodation - should your home become uninhabitable due to an insured accident	$50,000
2.	Fatal Accident Benefit - should you or your spouse pass away within 3 months from injury caused by fire or burglar in your home	$50,000
3.	Burglary / Robbery Harm Allowance - if you or your spouse sustains injury caused by burglar in your home	$5,000
4.	Damaged locks - reimburses you the cost of replacement due to burglary	$2,500
5.	Frozen Food & Drinks - if food and drinks in freezer rots due to accidental breakdown of freezer	$5,000
6.	Loss of personal effects in office (you and your spouse)	$2,500
7.	Loss of personal money/effects belongs to you and your spouse while on business trips	$2,500
8.	Temporary Removal of Household Contents - for repairing, cleaning or modificatio	$50,000
9.	Removal of Debris - reimburses you the cost of removal of debris when your home is accidentally damaged due to an insured accident	$10,000
10.	Domestic Servant's Property	$5,000
11.	Household Removal - for loss or damage whilst moving between your insured home and your new home by professional remover	$100,000
12.	Emigration Extended Cover (whilst kept in the hotel or at an alternative accommodation for a maximum period of one month pending emigration overseas)	$50,000
The total compensation under this section including other benefits should not exceed the total sum insured.

Section 2 - Personal &Occupier's Liability (Free Cover)

Coverage	Max. Indemnity
Any claim against you or your family members in event of your negligence causing third party bodily injury or property damage subject to Hong Kong jurisdiction : as a private householder occupying your home as an owner of your home if it is occupied by you and your family only as an owner of your building if Section 3 "Building" is effected in a personal capacity (other than as an occupier or owner) in Hong Kong, Macau or anywhere in the world (excluding USA and Canada) during temporary visit not exceeding 60 days	$5,000,000
and extends cover Liability in relation to the alterations, additions or repairs by an independent contractor for any one contract subject to the total aggregate of the contract value during the Period of Insurance not exceeding HK$200,000 Tenant's Liability Owner's liability in common areas subject to a sub-limit of HK$1,000,000

Coverage

Max. Indemnity

Any claim against you or your family members in event of your negligence causing third party bodily injury or property damage subject to Hong Kong jurisdiction :

as a private householder occupying your home
as an owner of your home if it is occupied by you and your family only
as an owner of your building if Section 3 "Building" is effected
in a personal capacity (other than as an occupier or owner) in Hong Kong, Macau or anywhere in the world (excluding USA and Canada) during temporary visit not exceeding 60 days

$5,000,000

and extends cover

Liability in relation to the alterations, additions or repairs by an independent contractor for any one contract subject to the total aggregate of the contract value during the Period of Insurance not exceeding HK$200,000
Tenant's Liability
Owner's liability in common areas subject to a sub-limit of HK$1,000,000

Section 3 - Building (Optional Cover)

On Building	Max. Indemnity
Cover the building structure of your home including walls, flooring, doors and windows against any unforeseen, sudden, accidental physical loss or damage such as by fire, explosion, typhoon, bursting of water pipes, flood, landslip and subsidence or theft	Sum Insured (min. $250,000)

	FREE EXTRA BENEFITS	MAX. INDEMNITY (HK$)
1.	Alternative Accommodation - should your home become uninhabitable due to an insured accident	$50,000
2.	Removal of Debris - reimburses you the cost of removal of debris when your home is accidentally damaged due to an insured accident	$10,000

Premium Table (All in HKD)

	SECTIONS	Annual Premium
1.	Household Contents	Sum Insured
	Gross Floor Area (sq.ft.)	Plan A $500,000	Plan B $750,000	Plan C $1,000,000
	Less than 500	$570	$820	$1,070
	501 - 700	$880	$1,100	$1,380
	701 - 1,000	$1,170	$1,400	$1,700
	1,001 - 1,500	$1,450	$1,750	$2,200
	1,501 - 2,000	$1,800	$2,050	$2,500
	over 2,000	please refer to us or your insurance agent.
	Note: If sum insured required is over HK$ 1,000,000, please refer to us or your insurance agent.
2.	Personal &Occupier's Liability	Free Cover HK$5,000,000
3.	Building (Optional Cover)	0.12% on Sum Insured Min.Premium $300

Major Exclusions

Wear and tear, mildew, corrosion, denting, scratching, mechanical or electrical breakdown
Loss of or damage to contact lenses, portable mobile phones and pagers
Contents on roof or in open area
Loss if insured premises is unoccupied for more than 30 consecutive days
Loss or damage due to war, civil commotion and terrorism
Loss or damage due to nuclear, radiations, pollution and contamination
Certain excess applies to some of the sections

Excess

Household Removal Free Extra Benefits under Section 1	$1,000
Landslip and Subsidence under Section 1 &3	$10,000/ 10% of the adjusted loss
Other loss under Section 1 &3	$250

Minimum premium for each policy: HK$570

Remarks: The information above provides a brief introduction only. Please refer to the insurance policy for Terms and Conditions and other specific details. In the event of any discrepancy or inconsistency between the English version and the Chinese version of this Terms and Conditions, the English version shall prevail.