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You are here: Skip Navigation LinksHome > Insurance > Products > Product Gallery > Houseowner and Householder Insurance
HOUSEOWNER AND HOUSEHOLDER INSURANCE
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POLICY DETAILS
Basic Cover
Interest / Property Insured
Eligible Proposer
Premium & Extensions
Product Disclosure Sheets
How To Buy
 
Houseowner & Householder Insurance


BASIC COVER back to top
 
This policy covers the loss of or damage to the building and/or contents of residential houses, flats and condominiums (excluding buildings under construction) owned by:
 
Fire, lightning, thunderbolt, subterranean fire
Explosion
Aircraft and other aerial devices and / or articles dropped therefrom
Impact by any road vehicles or animals not belonging to or under the control of the Insured or any member of his family
Bursting or overflowing of domestic water tanks, apparatus or pipes
Theft but only if accompanied by actual forcible and violent breaking into or out of a building or any attempt thereat
Hurricane, cyclone, typhoon, windstorm
Earthquake, volcanic eruption
Flood but excluding loss or damage caused by subsidence or landslip


INTEREST / PROPERTY INSURED back to top
 
Section I
Buildings
   
Section II
Household contents
 
a)
Loss or Damage to Contents
b) Property Temporarily Removed
c) Damage to Mirrors by breakage (excluding hand mirrors)
d) Compensation for Death of the Insured provided death occurs within 3 calendar months of injury
e) Servants' Property
   
Section III (A)
Loss of Rent if dwelling is rendered uninhabitable
   
Section III (B)
Liability to the public up to RM50,000


ELIGIBLE PROPOSER back to top
 
Houseowners, householders and house renters


PREMIUM & EXTENSIONS back to top
 
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:
 
Applicable to Section I - Buildings
Plate glass
Alterations, repairs and additions
 
Applicable to Section II - Contents
Unoccupancy in excess of 90 days
Full theft
 
Applicable for both Sections
Riot, Strike and Malicious Damage
Subsidence and Landslip
Liability to the Public


PRODUCT DISCLOSURE SHEETS back to top
 
Click here to view Product Disclosure Sheets (PDS).


HOW TO BUY back to top
1 Buy directly from Kurnia Branch
2 Buy directly from our Agents
3 Make Product Enquiry


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