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 till 31st December 2019, apply Sweet Home Insurance online to enjoy
50% off discount on first year premium payment and up to maximum HK$100 Shopping Cash Coupon.
The offers are subject to relevant terms and conditions. For details, please refer to the Terms and Conditions.

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  • 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



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


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)
Premium Table (All in HKD)
  SECTIONS Annual Premium
1. Household Contents Sum Insured
Gross Floor Area (sq.ft.)

Plan A

Plan B

Plan C

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
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
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.

In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Bank and the customer out of the selling process or processing of the related transaction, the Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of this Plan should be resolved between directly CMB Wing Lung Insurance and the customer.

More Information

Claim Notice
Download Claims Form
Frequently Asked Question

Please read the CMB Wing Lung Insurance Co. Ltd.'s Notice to Customers Relating to the Personal Data (Privacy) Ordinance.


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