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Houseowners and Householders Insurance

Houseowners and Householders Insurance
  • Comprehensive coverage for wide range of perils
  • Flexible and extendable coverage
  • Covered against any rental losses incurred for the period necessary for reinstatement
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Home Content Insurance

Home Content Insurance
  • 24-hours worldwide personal accident protection
  • Protect your valuable jewellery to the food in your fridge
  • Insure your cash keep at home against theft
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Disclaimer
The information above is just a summary of this product. For more information on precise terms, exclusions and conditions, you may read the policy wordings, product disclosure sheet and brochure or you may send in your enquiry.

Houseowners and Householders Insurance
Benefits
1.  Comprehensive Coverage For Both Your Building And Contents
Your house and its contents are covered if they are affected by a wide range of perils including fire damage, water damage, theft and natural disasters.
2.  Flexible Coverage Of Your Choice
As the policyholder, you determine the amount to be insured.
3.  Extended Coverage For Additional Perils
Upgrade to benefits such as coverage for riot, strike & malicious damage, subsidence & landslip, unoccupancy of residence and full theft at an additional premium.
4.  Feel Secure With Rent Insurance
You’re covered against any rental losses incurred for the period necessary for reinstatement if your property is so damaged that it is inhabitable.
5.  Compensation For Death
The Company will pay out if you succumb to an injury resulting in death due to violent theft or fire in your house.
Table of Benefits
Benefits Sum Insured
Building To be declared
Loss or Damage to Contents To be declared
Property Temporarily Removed 15% of the Total Sum Insured on Contents
Damage to Mirrors Up to RM500 per piece any one incident
Compensation for Death of the Insured Person Up to the sum being RM10,000 or one-half of the Total Sum Insured on Contents, whichever is lesser provided that death ensues within three (3) calendar months of the injury
Servants’ Property Reimburses the actual loss up to the Total Sum Insured on Contents
Rent Insurance Up to 10% of the Total Sum Insured on Building and Contents respectively
Liability to Public Up to RM50,000
Eligibility

Any person who owns or has legal interest over a property

Proposal Form
Brochure
Policy Wordings
Product Disclosure Sheet
Home Content Insurance
Benefits
1.  Protect your possessions
If your home has been exposed to a break-in, fire, explosion or a natural disaster, we will cover the loss or damage to the contents of your home, from your most valuable jewellery to the food in your fridge.
2.  Insure your cash
We provide coverage for the cash you keep at home against theft and other man-made or natural tragedies as well as any loss of cash from an ATM withdrawal made by burglars.
3.  Flexible coverage
The amount of coverage is determined by you based on the value of your home contents.
4.  Coverage for your guests’ and servants’ properties
We will even cover any losses or damage to your guests’ or servants’ personal effects if your home has been affected by any of the Insured Perils.
5.  24-hours worldwide personal accident protection
Your family will be compensated with a lump sum payment in the event of your death arising from, or caused by, an accident.
Table of Benefits
Benefits Sum Insured (RM)
A. Home Contents To be declared
B. Property Temporarily Removed 1,000
C. Damage to Mirrors 500
D. Guest and/or Servants Property 1,000
E. Liability to Public (within premise) 50,000
F. Cash at Home 2,000
G. ATM Cash 2,000
H. Alternate Accommodation (RM300/day, max: 10 days) 3,000
I. Replacement of External Locks 500
J. Food in the Refrigerator 500
K. Personal Accident (Death or Permanent Disablement only) 100,000
L. Personal Liability 100,000
Eligibility

Any person who owns or has legal interest over a property

Proposal Form
Brochure
Policy Wordings
Product Disclosure Sheet