HOUSEOWNER / HOUSEHOLDER

Your home is the shelter of love and security for you and your family. Providing protection for your home is definitely not a luxury but a prudent investment. With our comprehensive house owner policy, your dearest home and loved ones are protected.

Basic Cover This policy covers the loss of or damage to the building and/or contents of residential houses, flats and condominiums (excluding buildings under construction) against: 

1. Fire, lightning and thunderbolt 
2. Explosion 
3. Aircraft and other aerial devices and / or articles dropped therefrom 
4. Impact by any road vehicles or animals not belonging to or under the control of the Insured or any member of his family 
5. Bursting or overflowing of domestic water tanks, apparatus or pipes 
6. Theft but only if accompanied by actual forcible and violent breaking into or out of a building or any attempt threat 
7. Hurricane, cyclone, typhoon, windstorm 
8. Earthquake, volcanic eruption 
9. Flood 
10. Damage to Mirrors by breakage (excluding hand mirrors) up to RM500 
11. Compensation for Death of the Insured provided death caused by thief or fire


Eligible Proposer Houseowners, householders and house renters (contents).

Premiums & Extensions The basic premium is calculated based on a standard fire tariff rate prescribed by Persatuan Insurans Am Malaysia (PIAM) and is affected by the type of building (detached, non-detached, flats or apartment), construction classification of the building. At an additional premium, the basic policy can be extended to cover loss of or damage to property caused by: 

1. Plate glass up to RM1000 
2. Unoccupancy in excess of 90 days 
3. Full theft 
4. Riot, Strike and Malicious Damage 
5. Subsidence and Landslip


Types of Online Payment System offered are: 
1) Credit Card (VISA or MASTERCARD) 
2) FPX Internet Banking 
3) Maybank2u.com