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 |
Plan A - $500,000/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 |
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 :
|
$5,000,000 |
and
extends cover
|
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 |
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 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.
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